Stablecoin Accepted

How to pay an online merchant with USDT or USDC

A short, practical checklist for paying a hosting, VPN, domain or software bill with a stablecoin. It is about the mechanics of the payment only; it is not financial advice and says nothing about prices or exchange rates.

1. Match the network, not just the coin

USDT and USDC exist on several blockchains (for example Ethereum, Tron, BNB Smart Chain, Polygon, Solana, Base and Arbitrum). The same token on a different network is a different payment. Use the network the merchant’s checkout shows (see which network is which). Each listing on this site states which networks the merchant says it accepts, and the category pages have combination pages such as hosting that accepts USDT on Ethereum and hosting that accepts USDC on Base.

2. Pay the invoice the merchant generates

  • Most merchants hand the checkout to a payment processor (such as CoinGate, BTCPay Server, NOWPayments or Cryptomus). The processor creates an invoice with a deposit address, an amount and a time limit.
  • Copy the address and amount from the invoice page itself, never from an email or chat message you did not request.
  • Invoices expire. If the window closes, create a new invoice instead of sending to the old address.

3. Send the exact amount

Network fees are charged by the blockchain, on top of the invoice amount, and are paid from your wallet. Make sure the sender pays the fee separately so the invoice receives the full amount. Under- or over-payments may need manual handling by the merchant’s support.

4. Pay from a wallet you control when you can

Some processors require a transfer from a self-custody wallet; others accept withdrawals from an exchange account. If you send from an exchange, check that it supports the network on the invoice and whether it adds withdrawal fees.

5. Keep the proof

  • Save the transaction hash and the invoice ID.
  • Check the merchant’s refund terms before paying: refunds on crypto payments are often handled case by case, and are listed under “Refunds” on each listing when the merchant states them.

Check before you pay

Payment options change. Each listing shows the date it was last verified and quotes the merchant’s own page. If something differs at checkout, tell us and we will re-check it. See how we verify for what the verification levels mean.

Something went wrong after paying? See payment problems: wrong network, underpaid and expired invoices.

Buying a domain or server? See what to expect at checkout.