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Crypto Payments (USDC)

PayRequest supports USDC payments on the Base network — a fast, low-cost stablecoin payment method that works worldwide. Customers pay USDC from their own wallet to a PayRequest treasury address; once the transaction is confirmed on-chain, PayRequest automatically forwards 98% to your connected wallet.
Crypto payments are available on your payment page alongside your existing payment methods (iDEAL, credit card, bank transfer, etc.). Enable it once in your settings and it appears on all your payment pages automatically.

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Why Add Crypto Payments

Worldwide reach

Crypto works everywhere — no country restrictions, no currency conversion issues. Anyone with a wallet on Base can pay you in seconds.

Zero chargebacks

USDC payments are irreversible once confirmed on-chain. No disputes, no chargeback fees, no refund fraud.

Instant settlement

Funds arrive in your wallet within seconds of the customer confirming the transaction. No 2–3 day bank delays.

Automatic forwarding

Once a payment is confirmed on-chain, PayRequest automatically forwards 98% to your connected wallet — 2% covers the platform fee. No manual transfers.

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How It Works

1

Connect your wallet

Go to Provider Settings and find the Crypto (USDC) card. Click Connect Wallet and scan the QR code with your wallet app (MetaMask, Coinbase Wallet, or any WalletConnect-compatible wallet).
2

Sign to verify ownership

Your wallet asks you to sign a short message. This confirms you own the wallet address. No gas fee — no transaction is sent.
3

Your wallet is connected

You’ll see your wallet address displayed with a green Connected badge. Crypto is now available as a payment method on all your payment pages.
4

Customers pay with USDC

When a customer selects “Pay with Crypto” on your payment page, a WalletConnect QR code appears. They scan it with their wallet, confirm the USDC amount, and the transaction is signed and sent to the Base network — to a PayRequest treasury address.
5

PayRequest confirms and forwards your share

PayRequest monitors the Base network for the transaction. Once it has at least 2 confirmations, PayRequest automatically forwards 98% to your connected wallet and keeps 2% as the platform fee. This usually takes a few seconds to a couple of minutes depending on network conditions.
First time using crypto? You’ll need a wallet app like MetaMask or Coinbase Wallet. See the supported wallets guide for setup instructions.

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Wallet Balance

Once your wallet is connected you can see your live balances directly in Provider Settings → Crypto (USDC):
  • USDC balance — your current USDC on Base, ready to spend or send to an exchange
  • ETH balance — your ETH available for gas fees on Base (~$0.001 per transaction)
Balances are read directly from the Base blockchain (no sign-in required) and cached for 5 minutes. Hit Refresh at any time to see the latest figures.
ETH is only needed when you initiate transactions yourself (e.g., sending USDC from your wallet). Customers pay the gas when they send payments to you — you don’t need ETH to receive.

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Customer Experience

Your customers don’t need an account or prior crypto knowledge — just a wallet with USDC on Base.

Scan & pay

A WalletConnect QR code appears on the payment page. Customers scan it with their phone wallet app or click to open their browser extension.

See the exact amount

The total is shown in USDC (converted from EUR at the current rate). No surprise fees.

Fast confirmation

Base confirms transactions in under 1 second. The payment page updates automatically once confirmed.

Works on mobile

WalletConnect works on iOS Safari and Android Chrome. No app switching required on most devices.

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Fees & Costs

PayRequest charges a 2% platform fee on each crypto payment.Example:
  • Customer pays 100 USDC to PayRequest’s treasury wallet
  • Once confirmed on-chain, 98 USDC is forwarded to your wallet
  • 2 USDC stays with PayRequest (platform fee)
The customer also pays a small Base network gas fee (typically under $0.01).
No hidden costs. The 2% fee is the only PayRequest charge.Unlike credit cards, there are no monthly minimums, no statement fees, no chargeback fees, and no currency conversion costs.
The 2% fee covers infrastructure, WalletConnect integration, on-chain payment monitoring, and support. This fee only applies to crypto payments — your other payment methods (iDEAL, cards, etc.) are unaffected.

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How Settlement Works

PayRequest currently settles crypto payments in treasury mode:
  1. The customer sends the full USDC amount to a PayRequest-controlled treasury wallet on Base
  2. PayRequest’s on-chain monitor watches for the transaction and waits for 2 confirmations
  3. Once confirmed, PayRequest automatically forwards 98% to your connected wallet and keeps 2% as the platform fee
  4. Both the customer’s payment and the forwarding transaction are verifiable by anyone on Basescan
Your funds pass through a PayRequest-controlled wallet for the brief period between confirmation and forwarding — they are not held in escrow or available for withdrawal by PayRequest beyond the 2% fee. If a forward ever fails (e.g. a network hiccup), it is automatically retried by PayRequest’s background monitor.
The USDC contract address on Base is 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913. This is the native USDC issued by Circle on Base — not a bridged or wrapped version.

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Supported Wallet Apps

Any wallet supporting WalletConnect on the Base network works. Popular choices: See the full supported wallets guide for setup instructions and tips.

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Refunds

Cryptocurrency payments are irreversible on-chain. If you need to refund a customer, send USDC directly from your wallet to their address. The customer’s wallet address and transaction hash are available in your PayRequest transaction history.
Because crypto payments are final, there are no chargebacks or disputes. This is a key advantage — once a customer pays, the transaction is settled permanently. For customer service issues, handle refunds directly with the customer.

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Frequently Asked Questions

USDC is a stablecoin — a cryptocurrency always worth exactly $1 USD. Unlike Bitcoin or Ethereum, the value doesn’t fluctuate. It’s issued by Circle and backed by real dollar reserves, making it ideal for invoicing.
Base is a blockchain network built by Coinbase. It’s fast (under 1 second confirmation), cheap (gas under $0.01), and widely supported. PayRequest chose Base for its speed, cost, and wallet ecosystem.
No. You just need a wallet to receive USDC. You don’t need to hold or buy any crypto in advance. To convert received USDC to euros, send it to an exchange like Coinbase or Kraken and withdraw to your bank.
Base confirms the customer’s transaction in under 1 second, but PayRequest waits for 2 confirmations before forwarding your share to avoid chain reorganizations. In practice, your 98% typically arrives within a couple of minutes of the customer paying.
USDC must be on the Base network (native USDC, contract 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913). Not bridged or wrapped versions. Most major wallets support Base out of the box.
Yes. Crypto payments work worldwide — no country restrictions. Anyone with an internet connection and USDC on Base can pay. Especially useful for international customers who don’t have access to iDEAL or SEPA.
All transactions are publicly verifiable and cryptographically signed on the Base blockchain. PayRequest never holds your private keys or seed phrase. The 2% fee split is enforced consistently by PayRequest’s payment processing code — the same rate applies to every crypto payment.

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Crypto for Subscriptions (Recurring Billing)

Crypto works for recurring subscriptions too. When a subscription uses USDC as its payment method, an invoice is generated each billing cycle and the customer pays it from their wallet — 98% is forwarded to your wallet once confirmed, just like one-time payments.

Crypto Recurring Payments

Read the full guide on using USDC for subscription billing — setup, customer experience, and FAQs.

Payment Methods for Subscriptions

See all subscription payment methods and how to switch between them.

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Next Steps

Supported Wallets

See all supported wallets and how to get USDC on Base for both you and your customers.

Payment Methods Overview

See all payment methods PayRequest supports — crypto, iDEAL, credit cards, and more.

Share Your Crypto Address

Get a branded link with your wallet address, QR code, and copy button — great for giveaways and tips.