Skip to content
Get started Dashboard

Guide

How to acceptstablecoin payments

Send your customer a crypto invoice or a payment link. They pay in USDC or another US-dollar stablecoin, and the amount lands in your own wallet, with every fee shown first.

By Swaps teamPublished 6 min read

Quick answer

  1. Pick the tool: a crypto invoice, or a payment link if your customer may pay by bank.
  2. Create the request in USD and choose where it settles.
  3. Send the link. Your customer pays on Tempo or from another network.
  4. Follow it to Settled. Bank services and other provider routes have their own verification requirements.
Swaps fee on a crypto invoice
1%, paid by your customer
You receive
The full amount
Bank account for a crypto invoice
Not needed
Read the four steps

At a glance

Stablecoin payments with Swaps, in seven facts.

Accepting stablecoin payments with Swaps: tools, coins, networks, fees
Two ways to get paidA crypto invoice from Crypto processing, where enabled for your account. Or a payment link, which also takes bank transfers.
On TempoUS-dollar stablecoins: USDC.e, pathUSD, USDT0, USD1 or cUSD.
From another networkUSDC from Base, Ethereum, Polygon, Arbitrum or Optimism, carried to Tempo by Relay. Solana is not available yet.
Where it landsA crypto invoice settles in full to your own Swaps Wallet on Tempo.
Fee1% Swaps fee, added on top for your customer. You receive 100% of the invoice.
Currency and minimumCrypto invoices are in USD and start at 5.00 USD.
Bank accountNot needed. Bank services and other provider routes have their own verification requirements.

From the Swaps product and pricing, checked 1 October 2026. Availability depends on your account.

Basics

A stablecoin payment is a dollar token sent on one network.

A stablecoin is a token designed to track a currency, most often the US dollar. Your customer sends it from a wallet or an exchange account to an address made for the payment, on one specific network. Once the network confirms the transfer, the payment counts.

Two details decide whether the money arrives: the coin and the network. That is why a Swaps payment page names both, and the exact total, before your customer sends anything.

One coin, one network. Sending a different coin, or on a different network, can lose the funds.

Choose

Crypto invoice or payment link: choose by how your customer pays.

Both are a link your customer opens without a Swaps account. A crypto invoice is built for stablecoins only. A payment link adds bank transfers.

Crypto processing and payment links compared
QuestionCrypto invoicePayment link
Best forSelling online or billing in stablecoinsBilling a client who may pay by bank
Your customer pays withStablecoins on Tempo, or USDC from five networksBank transfer, or USDC
Where it landsThe full amount, in your own Swaps WalletA saved address, a bank account or your Swaps wallet
Swaps fee1%, paid by your customer on topCrypto on Tempo or Relay: payer adds 1%. Cross-chain via Bridge and bank: 1% is deducted from what you receive
VerificationRequired for bank services; other provider routes may have checksNeeded to activate a link
AvailabilityAny time, with a Swaps WalletAfter activation

Billing a client who wants to pay by bank? Follow how to create a crypto payment link.

Step by step

Accept your first stablecoin payment in four steps.

These steps use Crypto processing, where enabled for your account. The dashboard shows whether it is on before you start.

  1. 01Wallet

    Set up your Swaps Wallet.

    Crypto invoices settle to your own Swaps Wallet on Tempo. You create it with a passkey on your device: there is no seed phrase, and only you can move what lands in it.

    In Crypto processing settings you see the wallet that receives, the accepted networks and the fee.

    Keep your passkey safe. Swaps cannot recover a wallet if no usable passkey or synced copy remains.

    Example

    Settings

    Money lands in
    Swaps wallet · Tempo
    Wallet address
    0x7a3c…e91f

    Accepted networks

    • TempoUSDC.e, pathUSD, USDT0, USD1, cUSDEnabled
    Swaps fee
    1% · paid by the payer

  2. 02Invoice

    Create a crypto invoice.

    Set the amount in USD, from 5.00 USD, and what it is for. The invoice settles to your Swaps Wallet, and the 1% Swaps fee is added on top for your customer.

    A new invoice is a draft. Going live is always your own step, also when you create invoices through the API.

    DraftExample

    New crypto invoice

    Amount · paid in stablecoins

    1,000.00 USD

    ItemOrder 1042
    PayerAnyone with the link
    Settles to
    Your Swaps Wallet · Tempo
    Swaps fee, 1%
    10.00 USD · paid by your customer
    You receive
    1,000.00 USD

  3. 03Your customer pays

    Send the link. Your customer pays.

    Your customer opens the link, sees the exact total and picks a network: Tempo directly, or Base, Ethereum, Polygon, Arbitrum or Optimism, where Relay carries the USDC to Tempo. Each payment gets its own deposit address.

    Paying from another network adds Relay's cost to what your customer sends. You still receive the full invoice.

    swaps.app/pay/q4Tn8wLz…

    Arden Supply requests

    1,000.00 USD

    Order 1042

    • Tempo, selectedDirect · USDC.e, pathUSD, USDT0, USD1, cUSD
    • Another networkUSDC via Relay
    Swaps fee, 1%
    10.00 USD
    You pay
    1,010.00 USD

  4. 04Settled

    Follow it to Settled.

    The payment moves from Awaiting to Detected, Processing, Paid and Settled. Crypto transfers are usually detected within minutes, and nothing is released until the transfer is confirmed.

    If less arrives, the payment reads Underpaid and your customer sends the rest to the same address. If more arrives, it reads Overpaid, and support reviews the extra for a possible return after checking its source and a safe destination; network fees may apply.

    SettledExample

    Settled to your Swaps Wallet

    1,000.00 USD

    1. Awaiting, done
    2. Detected, done
    3. Processing, done
    4. Paid, done
    5. Settled, current
    Swaps fee
    10.00 USD · paid by your customer
    Settlement transaction
    0x4be1…07ac

Cost

On a crypto invoice, your customer pays 1%. You receive the full amount.

On a crypto invoice the 1% Swaps fee is added on top, and your customer sees it with the exact total before paying. Their own network cost is theirs too. A payment link has no setup or monthly fee. Crypto on Tempo or Relay: payer adds 1%. Cross-chain via Bridge and bank: 1% is deducted from what you receive.

Crypto invoice on Tempo

Example
Invoice
1,000.00 USD
Swaps fee, 1%, paid by your customer
10.00 USD
Your customer sends
1,010.00 USD
You receive
1,000.00 USD

See all pricing

Trust

In your wallet, only you can move the money.

A passkey on your device signs every move from your Swaps Wallet. Swaps has no wallet key. Provider and token restrictions may still apply.

On the way in, each payment on Tempo goes to a deposit address made for it, and a payment contract releases it on-chain to your wallet. The contract can pay only two places: you, and the Swaps fee. From another network, Relay carries the USDC to Tempo. On payment links, bank payments are processed by Bridge, the provider for supported bank services.

Swaps provides the interface and transaction coordination.

FAQ

Questions about stablecoin payments.

Can my business accept USDC without a bank account?

Yes, with Crypto processing where enabled for your account. Payments settle to your own Swaps Wallet on Tempo. Bank services and other provider routes have their own verification requirements.

Which stablecoins and networks can my customers use?

On Tempo: USDC.e, pathUSD, USDT0, USD1 or cUSD. From Base, Ethereum, Polygon, Arbitrum or Optimism: USDC, carried to Tempo by Relay. Solana is not available yet.

Who pays the fee?

Your customer. A 1% Swaps fee is added on top of a crypto invoice, so you receive the full amount. Paying from another network also adds Relay's cost to what your customer sends.

Can my customers pay by bank transfer instead?

With a payment link, yes, where enabled for your account: for example ACH, wire or FedNow in USD and SEPA in EUR, processed by Bridge. Crypto invoices take stablecoins only.

How fast does a stablecoin payment arrive?

Crypto transfers are usually detected within minutes, and nothing is released until the transfer is confirmed. The payment page shows each status as it happens.

Can I create crypto invoices from my own code?

Yes. Create them with POST /v1/payment_links and follow them with /v1/payments. Agents can draft invoices through MCP. Going live is always your own step.

Get paid in
stablecoins.

No bank account needed. Your customer pays the 1%. You receive the full amount.

Create a crypto invoice About crypto processing