Accept USDC payments
USDC is the dollar that finance teams sign off on. Circle issues it under regulatory supervision and publishes reserve attestations, which is usually what a cautious accountant wants to hear before a business touches crypto at all. It is also the coin where paying without a gas token works most widely.
How USDC settles here
Each payment gets its own forwarding address whose destination is fixed to your treasury when the address is created, and where the setup allows it the payment settles into your treasury directly. NoHoldPay's job is narrow: watch the chain, match the transfer to your invoice, and sign the webhook that tells your store it confirmed. Custody never enters the picture.
| Network | Confirmation rule (live) | Typical time |
|---|---|---|
| Ethereum | Payments confirm when the network finalizes the block that contains them. | varies |
| Solana | Payments are final as soon as the network validates the transaction. There is no reorg window. | a few seconds |
| Base | Payments confirm when the network finalizes the block that contains them. | varies |
| Polygon | Payments confirm when the network finalizes the block that contains them. | varies |
| BNB Smart Chain | Payments confirm when the network finalizes the block that contains them. | varies |
On Ethereum and Solana and Base and Polygon, customers can pay USDC without holding the network's gas token through gasless checkout.
Why merchants take USDC
Businesses that would never touch a volatile coin still accept USDC, because it behaves like a dollar with better plumbing. The buyer sends a token designed to hold at a dollar, and the transfer settles into a wallet you control rather than onto a processor's balance sheet. USDC carries EIP-3009 transfer authorizations, so on eligible EVM networks a buyer can sign an authorization and pay with no gas token at all. On Solana, sponsored fee-payer signing produces the same experience for SPL USDC. That matters at checkout, because the buyer who bought USDC on an exchange last month and holds nothing else can still complete the purchase.
Worth knowing
Circle can freeze specific addresses under its compliance policies, a property USDC shares with other centrally issued tokens and one your finance team should know exists. Payments arrive through a per-payment address into your own wallet, so incoming funds are never pooled with anyone else's. USDC exists on several networks, and the checkout page lists which are live at the moment of purchase. Where gasless is enabled, the buyer signs an authorization instead of broadcasting a transaction and the transfer is relayed for them. Everywhere else, a normal token transfer with buyer-paid gas does the job.
The platform fee is 0.5% per confirmed payment, prepaid. New accounts start with $50 of live credit, covering roughly the first $10,000 processed. Checkout ships hosted, or through the WooCommerce and OpenCart plugins.
Common questions
- What does a gasless USDC payment look like for the buyer?
- Instead of broadcasting a transaction, the buyer's wallet signs an EIP-3009 transfer authorization and NoHoldPay relays it on-chain. The buyer needs USDC and nothing else, with no gas token of any kind. The checkout offers this only on networks where it is currently supported, so nothing is promised that cannot happen.
- Does accepting USDC create a relationship with Circle?
- No. You are receiving a token transfer into your own wallet, the same way you would receive any on-chain asset. Circle's obligations run to parties who redeem with it directly, which you may never do. The gateway does not hold the funds in between either.
- Is USDC only for businesses already deep in crypto?
- The opposite is more common. USDC tends to be the coin a conventional business turns on before any other, because the issuer is regulated and the price is built to track the dollar. Staff keep quoting in dollars, and finance watches a stable-value asset arrive in a company-controlled wallet.
Take your first USDC payment
Add a wallet, create a payment, and watch it confirm on a testnet before going live.
Accept USDC