Accept USDC payments, direct to your wallet

Why USDC is the common choice for stablecoin payments

USDC is a digital dollar issued by Circle, and it has become the stablecoin businesses reach for first: it's widely held, it works across all six networks Settle supports, and its value is designed to track the US dollar — so a $250 invoice is paid with 250 USDC, with no exchange-rate guesswork on either side.

Because USDC exists natively on Base, Ethereum, Polygon, Arbitrum, Optimism, and Solana, your customer can pay from whichever network they already hold it on — and the cost of sending it follows the network, not the amount. On Base or Solana that's typically a fraction of a cent; on the other networks, a few cents.

You price in dollars and receive USDC. There's no settlement wait and no payout schedule: the transfer lands in your wallet on the blockchain, where you can hold it, move it, or send it on however you like. That's the difference between accepting USDC directly and receiving it through a custodial platform that converts and pays you out later.

How a USDC payment flows through Settle

When you create a payment link or invoice, Settle generates a hosted checkout with your branding. The customer picks a network, connects a wallet (or scans a QR code from a phone wallet), and sees the exact USDC amount to send — each checkout carries a tiny unique delta so an incoming transfer matches exactly one payment, without generating a new deposit address for every customer.

The moment the customer approves the transfer, Settle starts verifying it against the blockchain itself: on the EVM networks it reads the USDC contract's transfer record for that chain, and on Solana it compares the customer's token balance before and after the transaction. The amount, token, network, and destination wallet all have to match before anything is marked paid.

Once verified, everything you'd expect from a payment platform follows: the invoice flips to paid, your customer gets a receipt by email, your dashboard records the full event timeline, and if you use webhooks, your app is notified with a signed payload.

Getting paid in USDC, day to day

For one-off charges, payment links and invoices cover the basics — a link in a chat, an invoice emailed to a client with a due date. For selling things, product pages handle quantity, options, and shipping details, and a hosted storefront collects it all if you don't have a site.

For recurring customers, Settle runs subscription billing on renewal links: the subscriber gets an email before each cycle with a checkout to pay the renewal in USDC, and a self-service page to cancel or resume. Nothing is ever pulled from their wallet — every payment is one they approve.

And because Settle never holds funds, your money is never waiting on a platform. The USDC is in your wallet from the moment the transfer settles — the same wallet you use for everything else, with the keys and the control staying with you.

What it costs

During launch, Settle charges a 0% platform fee on USDC payments. The only cost is the network fee the sender pays to broadcast the transfer, which goes to the network — not to us. That's why network choice matters more than payment size: a $5 and a $5,000 USDC transfer cost the same tiny amount to send on the same network.

Test mode lets you walk the entire flow — checkout, payment, receipt, webhooks — with simulated payments and no real funds, before you share a single link with a customer.