How businesses get paid in stablecoins
How stores, services, digital products and creators take stablecoins, and what changes next to cards and bank transfers.
Made for the way you sell.
Online stores
Offer stablecoins next to your other payment methods. Your server creates a payment intent for each order, and a webhook marks it paid.
- One payment intent per order, through the API or the SDK
- The order is confirmed by a signed webhook
- Instant settlement, or a protected payment released on delivery
Built with the Payments API, webhooks and the hosted checkout.
Services across borders
Bill clients abroad in USDC or EURC and get paid in seconds, without wires, intermediary banks or banking hours.
- One payment link per invoice, sent by email or chat
- The invoice number in the payment’s message
- The payment lands at your own address
Built with payment links and the dashboard.
Digital products
Sell courses, licences and downloads, and deliver the moment the payment is confirmed.
- The webhook triggers the delivery
- The whole flow tested on testnet first
- No chargebacks after delivery
Built with the Payments API, webhooks and testnet.
Donations and creators
Send a link with an open amount, and the supporter chooses how much to give.
- The payer chooses the amount
- Share it as a link or a QR code
- Every payment confirmed on-chain
Built with payment links and their QR codes.
Cards and bank transfers, next to Cosmos Pay.
| Topic | Cards and bank transfers | Cosmos Pay |
|---|---|---|
| Chargebacks | A card payment can be disputed for months after the sale. | None. A confirmed payment is final. |
| Protection on orders | Disputes and chargebacks through the card network. | Protected payments: funds are held in a smart contract until delivery. |
| Money in your account | Usually one to three business days. | Seconds after the network confirms. |
| Availability | Payouts wait for banking days. | Every day, around the clock. |
| Customers abroad | International card, wire and currency-conversion fees. | The same link and the same rate in every country. |
| Where the money waits | With the processor until the next payout. | In your own wallet. On Monad, each payment’s deposit address can only forward funds to you. Protected payments wait in a smart contract, never with Cosmos Pay. |
| Fees | A percentage plus a fixed fee, higher for international cards. | One rate per payment, from 0.75% + 18¢. |
Card and bank terms vary by provider and country; the table shows the usual case, not a quote.
Start accepting stablecoins.
Create a free account, mint a test key and send your first payment link today.
