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Accept USDC Payments.

The most regulated stablecoin, issued by Circle. Accept USDC across 4 chains with 1% flat fees and instant settlement. Customers must already hold USDC. PYMSTR does not convert fiat.

1% flat
Fee
Circle
Issuer
None
Custody
On-chain
Settlement
//Why USDCoverview

Why USDC?

USDC is issued by Circle and backed 1:1 by US dollar reserves held in regulated financial institutions. It's the most transparent stablecoin with monthly attestation reports from Deloitte, and at over $75B in circulation it's the stablecoin your customers are most likely to already hold. PYMSTR lets you accept native USDC across 4 chains at 1% flat, settled straight to your own wallet. You pick which chains to accept and enforced payments stop customers paying on a chain or token you don't support, so wrong-chain mistakes can't happen. PYMSTR accepts native USDC only, not the older bridged USDC.e.

//USDC availability · 4 chains4 networks
// chain.01

Ethereum

Gas~$2-10
Settle~15 sec
USDCUSDT
// chain.02

Base

Gas~$0.05
Settle~2 sec
USDCUSDT
// chain.03

Polygon

Gas~$0.01
Settle~2 sec
USDCUSDT
// chain.04

Arbitrum

Gas~$0.10
Settle~2 sec
USDCUSDT
//ways to accept USDC · non-custodial vs the alternativescompiled
MethodFeeWho holds the moneySettlementChargebacks
Card rail, then convert to USDC5-10%+ on high-riskProcessor holds it3-7 days2-3% + dispute fees
Custodial crypto PSP2-3.5% all-inProcessor wallet firstTheir payout schedule0%, but custodial hack risk
PYMSTR (native USDC)1% flatYou do. Direct to your wallet2-15 sec on-chain0%, final on-chain
//Benefits4 primitives

USDC on PYMSTR.

01

Fully Backed & Audited

Circle publishes monthly attestation reports from Deloitte. Every USDC is backed by cash and short-term US treasuries.

02

Multi-Chain Support

Accept USDC on Ethereum, Base, Polygon, and Arbitrum. Your choice. Enforced payments prevent customers from sending on the wrong chain.

03

Institutional Trust

USDC is used by Coinbase, Visa, and major financial institutions. Your customers recognize and trust it.

04

1% Flat Fee

No conversion spreads, no monthly charges. 1% on every USDC transaction, regardless of volume.

//USDC questions7 answers

Short
answers.
No jargon.

USDC (USD Coin) is a stablecoin pegged 1:1 to the US dollar, issued by Circle. It's backed by cash and US treasury reserves with monthly Deloitte attestations. Over $75B in circulation.
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 1% 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 1% 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.
More payment options
Why accept with PYMSTR
Build
Integrating USDC? See the APIOne POST creates a payment URL on any chain you accept. HMAC-signed webhooks for completion.
→Read the full stablecoin payment gateway overview→

Start accepting USDC.

Non-custodial. Stable-in, stable-out. Funds settle directly to your wallet on-chain. Live in minutes, not months.

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