01
Add your payout wallet
Connect the wallet where you want to receive payments, on each network you want to accept. You keep full control of it at all times.
Stablecoin payments
Accept stablecoin payments, straight to your wallet
Create a payment link or invoice, send it anywhere, and your customer pays you in USDC, USDT or DAI — the money moves directly from their wallet to yours.
HOW IT WORKS
Three steps.
No custody.
Everything runs on your wallet. Settle is the checkout, the verification, and the record-keeping — never the money.
02
Create a link or invoice
Set an amount in dollars — 25, 250, whatever you charge — and get a hosted checkout page you can send to anyone.
03
Get paid and verified
Your customer pays from their wallet. The transfer is verified on-chain before the payment is marked complete, and a receipt is issued.
What stablecoin payments actually are
A stablecoin is a digital dollar that lives on a blockchain — USDC, USDT, and DAI are the common ones, and each is designed to hold its value against the US dollar. When a customer pays you in a stablecoin, the transfer moves across a public network like Base, Ethereum, or Solana, and settles into a wallet you control.
For a business, this changes two things about taking money online. First, there is no payment processor sitting in the middle holding your balance: the transfer goes from your customer's wallet to your wallet, and you see it on the blockchain the moment it lands. Second, the payment is final — on-chain transfers cannot be reversed or charged back, which removes an entire category of fraud, and puts refund decisions in your hands.
The trade-off is that a blockchain payment needs a wallet and a network, not a card number. Settle exists to make that side of it invisible: you work with dollar amounts and familiar tools — links, invoices, product pages — and your customer gets a clean checkout where they pick a network, approve the transfer in their wallet, and they're done.
How Settle's model works
Settle is non-custodial payment software. When you create a payment link or invoice, we generate a hosted checkout for it, but the money never touches us: your customer's transfer goes directly to the payout wallet you configured, on the network they chose at checkout. There is no Settle balance, no withdrawal step, and no account for anyone to freeze.
Because we never hold funds, we also never need to hold your customers' money hostage while something clears. A settled payment is simply in your wallet — visible in your own wallet app, on the block explorer for that network, and in your Settle dashboard with the full verification record attached.
Every payment is verified on the blockchain itself before it is marked paid: the exact amount, the right token, the right network, to your wallet. A transaction hash alone settles nothing — the transfer has to actually exist on-chain, which is what protects you from spoofed or mistaken claims of payment.
What you can charge for
Payment links are permanent checkout URLs — set a price once and share it in a message, an email, or a bio. Invoices are for billing a specific customer by email, with due dates and automatic receipts. Product pages add quantity, options, and shipping details, and a hosted storefront ties your whole catalog together if you don't have a website.
Recurring billing works the way blockchain payments allow: customers approve each renewal rather than being debited automatically. Settle emails them a renewal link before each cycle, tracks the subscription, and handles cancellations — the customer stays in control of their wallet, which is exactly the point.
Everything works without code. If you build software, the checkout API creates payment sessions programmatically, and signed webhooks tell your app the moment a payment is verified on-chain.
Fees, networks, and getting started
During launch, Settle's platform fee is 0% on every payment, on every network. The only cost is the network fee your customer pays to broadcast the transfer — typically a fraction of a cent on Base or Solana, and a few cents on the other supported networks. Settle adds nothing to it.
You can accept payments on Base, Ethereum, Polygon, Arbitrum, Optimism, and Solana — add a payout wallet for each network you want to switch on, and your customers choose the network at checkout. If pricing ever changes, it will be announced in advance and published on the pricing page before taking effect.
Getting started takes minutes: create an account, connect a payout wallet, and share your first payment link. You can run a full test payment first in test mode — with a simulated checkout and no real funds — before you send anything to a customer.
GOOD QUESTIONS
Frequently
asked.
Do I need to write code to accept stablecoin payments?
No. Payment links, invoices, product pages, and storefronts are all no-code: create them in the dashboard and share the URL. Code is optional — the checkout API and webhooks are there if you're building software that needs payments.
Which stablecoins can I accept?
USDC, USDT, and DAI on the EVM networks we support (Base, Ethereum, Polygon, Arbitrum, Optimism), plus USDC and USDT on Solana, and the native coins ETH and SOL where they are the network's own currency. Available assets vary by network — the checkout only shows what your payout wallet on that network can receive.
How quickly does a payment reach my wallet?
The transfer itself settles at the speed of the network your customer chose — typically seconds on Base or Solana. Settle verifies the transfer on-chain and updates the payment record, sends the receipt, and fires your webhooks once it's confirmed.
Can my customers pay without creating an account?
Yes. A customer opens your link and pays from their own wallet — connect a wallet in the browser, or scan a QR code from any wallet app. You can collect an email for the receipt, or allow fully anonymous checkouts.
What happens if a customer sends the wrong amount?
Every Settle checkout asks for a unique exact amount, so a payment reconciles to exactly one invoice. If a transfer arrives that doesn't match — a different amount, token, or network — it shows up in your unmatched transfers inbox, where you can review it and decide what to do. You can also mark an invoice paid manually if you've confirmed the funds arrived.
Do you support recurring payments?
Yes, in the way blockchain payments allow: customers approve each renewal rather than being charged automatically. Settle sends the renewal link before each cycle, tracks subscription state, and gives subscribers a self-service page to cancel or resume.
KEEP READING
The checkout is ready. Your wallet is waiting. Say the price. Share the link. Set your own terms. Keep the whole payment. From first customer to a real business.