Payment gateway

Stripe

Mainstream payments infrastructure that added stablecoin acceptance, bringing USDC to merchants already on its rails.

custodial Fiat settlement API Hosted checkout Invoicing

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Stripe is the payments platform a very large share of internet businesses already use, and its move into stablecoin payments matters more for distribution than for technology. A merchant already running Stripe can enable stablecoin acceptance without adding a new provider, a new contract or a new reconciliation process — which removes most of the reasons merchants historically declined to accept crypto.

Capabilities

Custody model: custodial
Settlement: fiat, stablecoin
Settlement notes: Payments settle into the merchant's normal Stripe balance in their local currency, which is the main appeal — the money arrives exactly where card revenue already does. Refunds run the other way: Stripe returns them as stablecoins to the customer's original wallet, not as fiat.
Fees: 1.5% of the transaction amount for stablecoin payments, per Stripe's published pricing, with gas sponsored by Stripe. A separate 0.8% rate applies to stablecoins taken through Link. Confirm current pricing on Stripe's own page before relying on it.
Shopify: Partial
WooCommerce: Partial
API: Available
Hosted checkout: Available
Invoicing: Available
Merchant verification: Supported
Geographic availability: Customers can pay from anywhere except sanctioned countries. Accepting is narrower: generally available to businesses in the United States, and in private preview for the European Union, Switzerland, Hong Kong, Mexico, Norway and Gibraltar.
Merchant requirements: An existing Stripe account in good standing.

Integrations

Stripe Checkout
Payment Links
Custom API
Shopify via Stripe
WooCommerce via Stripe

Strengths

No new vendor, contract or reconciliation process for existing Stripe merchants
Fiat settlement into the existing Stripe balance
Mature dashboard, reporting and dispute tooling

Trade-offs

Narrow asset support compared with crypto-native gateways — no USDT
No dispute support, so a customer paying this way gives up the chargeback they would have had on a card
A 10,000 USD per-transaction ceiling rules out high-value purchases
Custodial, with none of the self-sovereignty appeal of direct wallet payment
Accepting is US-only in general availability; everywhere else is private preview

Stripe entering stablecoin payments is significant for distribution reasons rather than technical ones.

Why it changes the merchant calculus

Ask a merchant why they do not accept crypto and the answer is rarely ideological. It is that adding a payment provider means a new contract, a new integration, a new reconciliation process, a conversation with the finance team, and an ongoing operational surface — all for a payment method a small share of customers will use.

If the provider they already use offers it as a toggle, every one of those objections evaporates. That is the actual product here.

Trade-offs

Asset support is narrow relative to crypto-native gateways, and the model is fully custodial. A merchant choosing Stripe for stablecoins is choosing convenience and integration over breadth and self-custody, which is a perfectly reasonable trade for most businesses and the wrong one for merchants whose customers specifically want on-chain settlement.

For payers

The experience is a Stripe checkout with a stablecoin option, which means it looks and behaves like every other Stripe checkout. Network selection and address handling work as they do elsewhere; match the network shown.

Merchants using Stripe

1 merchant in the directory where we have identified this gateway.

Hostwinds

Web Hosting

US hosting provider offering shared, VPS, cloud and dedicated hosting with crypto payment support.

USDCUSDPUSDG

EthereumSolana +2 networks

Verified

Stripe questions

Can I add stablecoin payments to an existing Stripe checkout?

That is the central proposition — enabling it within an existing Stripe account rather than integrating a separate gateway. Availability depends on your country and account.

Does Stripe support USDT?

No. Stripe's stablecoin payment method reference lists USDC on Tempo, Ethereum, Solana, Polygon and Base, plus USDP on Ethereum and Solana and USDG on Ethereum, both US-only. Tether is not among them, which matters if your customers are outside North America and Europe, where USDT is the asset most people actually hold.

Do stablecoin payments through Stripe come with chargeback protection?

Neither party gets one. Stripe's documentation lists dispute support for this payment method as "No", so a merchant faces no chargebacks and a customer has no route to reverse a payment through their card issuer. Refunds are still possible at the merchant's discretion and are returned as stablecoins to the wallet that paid.

Is there a limit on how much a customer can pay?

Yes — Stripe documents a customer transaction limit of 10,000 USD per transaction, which rules the method out for high-value purchases.

Verification status: verified. Re-verified against Stripe's own stablecoin payment method reference, which is the strongest available source and confirms what a live merchant integration had already shown us. The reference states the accepted tokens as "USDC (Tempo, Ethereum, Solana, Polygon, and Base networks), USDP (Ethereum and Solana, US-only), USDG (Ethereum, US-only)", records dispute support as "No", states that "refunds are always returned as stablecoins to the customer's original wallet", sets a customer limit of "10,000 USD per transaction", and lists the United States as the only generally available business location with the EU, Switzerland, Hong Kong and Mexico in private preview. The 1.5% rate comes from Stripe's published pricing page. Hostwinds' documentation independently corroborates the token and network matrix from the merchant side.