How to accept USDC and USDT stablecoin payments directly to your wallet

Stablecoins are the way most businesses actually want to be paid in crypto: no price swings between invoice and payment, and clean bookkeeping. Here's how to accept USDC and USDT on Ethereum with automatic matching and webhooks — without handing your funds to a processor.

Why stablecoins for invoicing

• No volatility: a $500 invoice is 500 USDC, today and tomorrow.
• Global: a client in another country pays in minutes, no SWIFT, no FX spread.
• Exact accounting: amounts map 1:1 to dollars on your books.

Setup in two minutes

1. Add an Ethereum address (0x…) in the dashboard. The same address receives ETH, USDC and USDT.
2. Create an invoice with asset: "USDC" or "USDT". Price in USD, EUR or GBP — EUR invoices convert at the live rate.
3. Share the link. The checkout shows the exact amount (e.g. 500.0037 USDC), your address and an EIP-681 QR that pre-fills the token transfer in compatible wallets.
4. Receive the webhook on paid and again on confirmed (6 blocks).

How matching works for tokens

Token transfers carry no memo, so each invoice gets a unique amount in the 3rd–4th decimal place (less than one cent of difference). Payments are matched by exact amount, then by tolerance (≥ 99%, oldest invoice first). Each transaction hash can only pay one invoice. Manual reconciliation by hash is available.

Network choice

Mainnet gas is paid by the sender and can be a few dollars; for invoices above ~$50 it's negligible. For micro-payments, consider XRP, which costs a fraction of a cent to send.

Bookkeeping tip

Attach your internal invoice number in metadata and the customer-facing reference in memo. Both come back in the webhook and in GET /api/invoices, so exporting to your accounting system is a single loop.

FAQ

More guides: XRP · Cardano · Ethereum · USDC & USDT