The Stablecoin Payment Gateway. 1% flat. 5 chains. We never hold your money.
Accept USDC and USDT across 5 blockchain networks. 1% flat fee, no rolling reserves, no chargebacks. On-chain settlement direct to your wallet. Funds never touch a PYMSTR balance sheet.
Most "crypto payment processors" inherit the worst parts of the card-rail business model and add a stack of new risks on top. They hold merchant funds in custodial hot wallets, which means an exchange-style breach drains every merchant on the platform at once (CoinsPaid lost $37M to a hack in July 2023, Alphapo $60M the same month). They accept hundreds of tokens, half of which are illiquid altcoins that bounce 10% between checkout and settlement, leaving merchants underpaid. They route customers through generic "pay with any wallet" flows that have no enforcement: a customer trying to pay in USDC on Polygon can accidentally send USDT on Ethereum, lose the funds to a wrong-token transfer, and now it's the merchant's support problem. And the fee model still mirrors the card-processor playbook: headline rate of 1%, but the all-in cost after FX spread, fiat withdrawal fees, monthly minimums, and inactivity charges lands at 2-3.5% in real practice.
PYMSTR is the stablecoin payment gateway that strips this category down to what merchants actually need. We accept exactly two stablecoins: USDC and USDT, both pegged 1:1 to the US dollar, both with combined market caps over $215B and the deepest on-chain liquidity in the market. No altcoins, no volatility. We run on five chains (Ethereum, Base, Polygon, Arbitrum, and BNB Smart Chain), and merchants choose which subset their checkout accepts so customers can't pick a chain that doesn't make sense for them. Payments settle on-chain directly from the customer's wallet to the merchant's wallet in 2-15 seconds depending on the chain. PYMSTR never holds the funds. There is no custodial hot wallet to hack, no rolling reserve to lock against future chargebacks (chargebacks don't exist on-chain), no merchant balance for an exchange-style breach to drain. Our fee is 1% flat, end to end, with no spreads, no withdrawal fees, no monthly minimums, no setup. The headline rate and the all-in cost are the same number.
Three steps, on-chain.
Customer selects stablecoin
Choose USDC or USDT. Enforced payments mean they can only use options you've approved.
Selects chain
Ethereum, Base, Polygon, Arbitrum, or BNB. Your merchant settings control which are available.
Pays exact amount
The exact amount transfers on-chain. No volatility between payment and settlement.
How iGaming operators take stablecoin deposits
For an iGaming operator, a deposit is a player paying through your PYMSTR checkout or payment link. The player chooses USDC or USDT on a network you allow, and the funds land directly in your operator wallet. Settlement is on-chain and fast: roughly 2 seconds on Base, Polygon, and Arbitrum, about 3 on BNB Chain, and around 15 on Ethereum. There is no processor balance in the middle and no multi-day settlement delay.
Enforced payments remove the most common deposit failure. You choose which chains and stablecoins your checkout accepts, and a player can only pick from those, so a deposit can never arrive on a network you do not support. That eliminates wrong-chain transfers and the lost-funds support tickets that come with them.
Once the network confirms, the deposit is final. There is no chargeback flow on the stablecoin rail, so a player cannot reverse a confirmed deposit weeks later the way a card deposit can be disputed, and no rolling reserve is held against your volume. Run it next to your card rail and route the crypto-native share of deposits through it.
Player picks coin and chain
At your checkout or payment link, the player selects USDC or USDT on a network you allow. Anything you have not enabled is not offered.
Player pays
They pay from a wallet created by their normal Google or Apple login, or connect their own. The exact amount, no conversion guesswork.
Funds land in your wallet
The deposit settles on-chain to your operator wallet in seconds and is final. You receive a webhook so your platform can credit the player.
Ethereum
Base
Polygon
Arbitrum
BNB Smart Chain
| Processor | Rate | Architecture | Risk Profile |
|---|---|---|---|
| Traditional card (Nuvei, Worldpay, Paysafe; MCC 7995) | 5-10%+ | Card-rail | 2-3% chargebacks, 5-15% reserves locked |
| CoinsPaid | 0.5-1.5% (2-3.5% all-in) | Custodial | $37M hack July 2023 |
| BitPay | 1-2% + $0.25/tx | Custodial | iGaming excluded under AUP |
| NOWPayments | 0.5-1% | Custodial | Hot-wallet exposure |
| Coinbase Commerce | 1% | Custodial | Hot-wallet exposure |
| PYMSTR | 1% flat | Non-custodial | ★ None. Funds never on PYMSTR balance sheet |
What you get.
Zero Volatility
USDC and USDT are pegged 1:1 to USD. The amount paid is the amount received. Always.
Two Coins, Not 300+
Unlike NOWPayments with 300+ tokens, PYMSTR focuses on the two stablecoins that matter. Less confusion, fewer errors.
No wrong-coin mistakes
Customers can only pay with options you've approved. No wrong-chain, wrong-token, or wrong-amount errors.
Multi-Chain Efficiency
5 chains from $0.01 gas (Polygon) to $10 (Ethereum). Match the chain to the transaction size.