Accept USDC Payments.

PYMSTR supports USDC on Ethereum, Base, Polygon, and Arbitrum. You choose which chains to accept. Enforced payments prevent customers from using unsupported chains.

No. PYMSTR's social login (Google, Email, SMS, Apple) creates an embedded wallet automatically. Customers who already have wallets can connect those too.

Instant crypto settlements. USDC arrives in your wallet the moment the transaction confirms on-chain, typically 2-15 seconds depending on the chain (Base/Polygon/Arbitrum: ~2 sec; Ethereum: ~15 sec). No batching, no holdback, no T+3 wait. See /features/instant-settlement for the full breakdown.

It depends on your customers. Base and Polygon are cheapest (gas around $0.01-$0.05, ~2 second settlement) and best for high volume. Arbitrum has the deepest DeFi liquidity, so many active stablecoin holders already keep USDC there. Ethereum costs more in gas (~$2-10) but offers the strongest settlement guarantees for large payments. You can accept several at once; enforced payments let customers pay only on the chains you choose.

PYMSTR is 0.5% flat with no spreads, no monthly fees, and no setup. For comparison, custodial crypto processors typically run 2-3.5% all-in once conversion spreads and withdrawal fees are counted, and card rails charge high-risk merchants 5-10%+ before chargebacks. The 0.5% is the full cost because PYMSTR never converts or holds the funds.

No. PYMSTR accepts native USDC only, the token issued directly by Circle on each chain. The older bridged USDC.e (moved across from Ethereum) is a different token contract and is not accepted. Most wallets and exchanges now default to native USDC, so this rarely comes up; if a customer holds USDC.e they can swap it to native USDC in one transaction.