Enable merchants to accept stablecoin payments from consumers worldwide. Consumers can pay using their preferred crypto wallet and blockchain network as USDC, while transactions are seamlessly settled to the merchants in either stablecoins or in the preferred fiat currency.


Markets (consumer)	Global
Processing currencies	`USD`
Consumer currencies	`USD` `USDC` `USDT`
Authentication methods	`REDIRECT`
Authentication timeout	24 hours
Minimum payment amount	USD 1.00
Maximum payment amount	USD 10000.00
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	6 months
Disputes	No
Settlement risk	No

Make a Stablecoin payment

Stablecoin payments follow our standardized REDIRECT payment flow. We recommend including all relevant settings for any authentication methods you support.

To create a Stablecoin payment, you'll need to provide the following data at minimum when calling our payment charges endpoint:

Field	Description
`paymentMethod`	`STABLECOINS`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`USD`
authenticationSettings: REDIRECT `settings.returnUrl`	Specify the URL to which the consumer should be redirected after completing the payment. This is required for the `REDIRECT` payment flow.
`consumer.country`	The country of residence of the consumer.
`consumer.name`	(Optional for US) The name of the consumer.
`consumer.email`	(Optional for US) The email of the consumer.
`consumer.taxIdentification`	Optional but if consumer is based in Brazil then provide the CPF (individual tax Id) or CNPJ (business tax Id).

Merchant Processing Currency and Consumer Payment Assets

API processing currency for merchants: All API requests must always use USD as the processing currency.

Consumer Payment assets on the Hosted Payments Page: Payment assets are dynamically displayed based on the consumer’s available wallet balance. Consumers can pay with available USDC or USDT, both treated 1:1 with USD.

USDC: Payments are always gas-less.

USDT: The consumer must hold the native token (ETH) for the wallet’s first on-chain approval. Once this approval is completed, all subsequent payments for the same wallet address are gas-less.

If the merchant’s pricing or checkout experience is denominated in a currency other than USD, the merchant is responsible for performing any required currency conversion within their own systems. The resulting amount submitted in the API request must always be denominated in USD.

Request

POST /v1/payment-charges

{
    "paymentMethod": "STABLECOINS",
    "amount": {
        "currency": "USD",
        "value": 500
    },
    "authenticationSettings": [
        {
            "settings": {
                "returnUrl": "https://www.ppro.com/"
            },
            "type": "REDIRECT"
        }
    ],
    "consumer": {
        "country": "BR"
    }
}

Response

You'll receive our standard payment charge response with the available authentication methods:You'll receive our standard payment charge response with the available authentication methods:

{
    "id": "charge_2B96MkaL7paonKsFiiWsq",
    "paymentMethod": "STABLECOINS",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_NPPEHjd38wxhqEAE18h0w",
    "currency": "USD",
    "country": "BR",
    "status": "AUTHENTICATION_PENDING",
    "consumer": {
        "country": "BR"
    },
    "authenticationMethods": [
        {
            "details": {
                "requestUrl": "https://payments.coinbase.com/sandbox/payment-sessions/paymentSession_00733da7-8421-462c-ba9c-e1b1c4d33f27"
            },
            "type": "REDIRECT"
        },
        {
            "details": {
                "codeType": "QR",
                "codeImage": "https://payments-reverse-proxy.cdp.coinbase.com/sandbox/v1/qr/paymentSession_00733da7-8421-462c-ba9c-e1b1c4d33f27",
                "codePayload": "https://payments.coinbase.com/sandbox/payment-sessions/paymentSession_00733da7-8421-462c-ba9c-e1b1c4d33f27"
            },
            "type": "SCAN_CODE"
        }
    ],
    "authorizations": [
        {
            "id": "authz_gem4WRlHoezs8Da7rBvWO",
            "amount": 500,
            "status": "AUTHENTICATION_PENDING",
            "createdAt": "2026-07-28T16:54:19.419Z",
            "updatedAt": "2026-07-28T16:54:19.419Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "discards": [],
    "voids": [],
    "createdAt": "2026-07-28T16:54:18.475Z",
    "updatedAt": "2026-07-28T16:54:19.419Z",
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_2B96MkaL7paonKsFiiWsq/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_2B96MkaL7paonKsFiiWsq/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_2B96MkaL7paonKsFiiWsq/refunds"
        },
        "discards": {
            "href": "/v1/payment-charges/charge_2B96MkaL7paonKsFiiWsq/discards"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_2B96MkaL7paonKsFiiWsq/voids"
        }
    }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

A PASSTHROUGH_WALLET instrument will be created.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_NPPEHjd38wxhqEAE18h0w",
    "type": "PASSTHROUGH_WALLET"
}

Sandbox testing

Download a consumer wallet application such as Coinbase Wallet, MetaMask, Phantom, or Rabby, and enable the testnet network within the app.
USDC provides testnet tokens that have no monetary value and can be used to simulate on-chain payment charges in a sandbox environment. To obtain test USDC, visit the Circle Faucet, select the desired network, enter your consumer wallet address in the Send To field, and click Send USDC.
Once your wallet has a testnet USDC balance, you can complete a sandbox transaction by selecting the supported wallet or by scanning the provided QR code to pay with testnet USDC.

Before you go live

PPRO offers merchants the flexibility to choose between two settlement options: fiat settlement in their preferred currency through standard banking payout rails, similar to those used for conventional payment methods, or stablecoin settlement directly on-chain in the merchant's wallet. This provides merchants with the choice of using traditional banking infrastructure or digital asset-based settlement, depending on their preferences and requirements.

For more information on settlement flows and available payout options, please contact your PPRO Account Manager.