# Stablecoin payment use cases for businesses | Cosmos Pay

URL: https://payments.cosmospay.lat/use-cases

> How stores, services, digital products and creators take stablecoins, and what changes next to cards and bank transfers.

## 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.

[Create a payment link](https://dev.cosmospay.lat/login?next=%2Fdashboard%3Fview%3Dpayments)

#### Write to us

Questions about plans, integration or protected payments? Tell us and we will reply by email.

[organization@cosmospay.lat](mailto:organization@cosmospay.lat)