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For Merchants

Accept payments that arrive instantly. Keep what you earn.

What merchants actually want from a payment system

When you strip away the technical complexity, merchants want three things from a payment provider:

  1. The money arrives quickly.
  2. The money stays put.
  3. The fees are predictable and fair.

Traditional payment rails deliver on none of these fully. The Stablecoin Stack was designed to deliver on all three.

Instant settlement, direct to your account

With the Stablecoin Stack, funds move directly from the payer's wallet to yours — settled at the network level in seconds, not business days.

There is no float. No funds sitting in a processor's account overnight. No settlement cycle that gets disrupted by weekends and banking holidays. The moment the payment confirms, the money is yours.

  • Customer pays on Monday evening.
  • Card issuer authorises the transaction.
  • Processor batches the day's transactions overnight.
  • Acquiring bank processes the batch Tuesday morning.
  • Funds arrive in your account Tuesday afternoon — or Wednesday if there's a delay.
  • Cross-border payments: add two to five days.
  • Customer pays.
  • Payment confirms in seconds.
  • Funds are in your wallet.
  • Done.

No chargebacks. Ever.

A chargeback is when a card network reverses a completed payment — at the customer's or card issuer's request — weeks after the transaction.

The merchant is required to respond, provide evidence, and often loses regardless. Every lost chargeback also carries a dispute fee. In some industries, chargeback rates are high enough to fundamentally change unit economics.

The Stablecoin Stack is architecturally incapable of chargebacks. Payment authorisation is a cryptographic signature produced by the payer's own device, specific to that exact transaction. No intermediary has the authority to reverse it.

What this means for your business

  • No chargeback management overhead.
  • No reserve requirements held by the processor.
  • No dispute fees on top of lost transactions.
  • No fraud exploitation of the reversal mechanism.

Direct settlement — no custodial intermediary

In the non-custodial configuration of the Stablecoin Stack, there is no processor account holding your money in transit. The settlement contract moves funds directly from the payer to your wallet, with the processor acting as a relay, not a custodian.

This has real consequences:

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No counterparty risk on your revenue

Your funds are not exposed to the processor's financial stability. If the processor has a problem, your settled funds are already in your wallet.

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Same-session settlement

No card network in the world can offer same-session settlement, because the card network is a custodial intermediary in the settlement flow. The Stablecoin Stack is not.

Accept international payments without friction

A customer in Malaysia paying a merchant in Mexico, using the Stablecoin Stack, settles the same way as a domestic payment in either country.

There are no:

  • Correspondent bank fees
  • Currency conversion spreads
  • Multi-day international settlement delays
  • Geographic restrictions on which cards or accounts are eligible

If your business serves customers across borders, this is a material operational improvement.

How integration works

The Stablecoin Stack is built with merchants in mind. You do not need to understand the underlying protocol to integrate it.

  • Create an account with a Stablecoin Stack processor. A processor is a company that has deployed the Stablecoin Stack infrastructure and offers payment acceptance services to merchants.
  • Integrate the checkout API. The checkout engine accepts the same concepts you already know: charges, sessions, amounts, webhooks. It speaks standard HTTP. Integration is comparable to any modern payment gateway.
  • Choose your settlement preference. Receive funds directly in stablecoin (non-custodial) or let your processor convert to fiat and remit to your bank account — depending on what your processor offers and what you prefer.
  • Go live. Your checkout page will display a QR code and/or a deep link. Customers with compatible wallet apps can pay immediately.

What you receive when a payment confirms

When a payment settles on the Stablecoin Stack, your integration receives:

  • A webhook notification from the checkout engine confirming settlement.
  • An on-chain record — the PermittedTransfer event — that you or your accountant can independently verify at any time.
  • A settlement report through the merchant dashboard showing the amount received, fees deducted, and timestamp.

No manual reconciliation. No end-of-day batch files. No trust-me-the-money-is-coming.

Frequently asked questions

Do my customers need to understand how this works?

No. From the customer's perspective, the experience is the same as any digital payment — scan, confirm, done. The underlying infrastructure is invisible.

What currency do I receive payments in?

This depends on your processor. In the non-custodial model, you receive the stablecoin directly (e.g. USDC). Many processors also offer a fiat conversion service, depositing to your bank account in your local currency.

Can I still offer refunds?

Yes. Refund policy is your decision. In a non-custodial setup, refunds are new payments from your wallet to the customer's. In a managed (custodial) processor setup, refunds can be handled at the fiat disbursement layer, similar to how you would process a refund with a traditional payment provider.

How much does it cost?

Fees are set by the processor you choose, not by the Stablecoin Stack specification. Because the infrastructure eliminates card network royalties, acquiring bank margins, and settlement float, processors can typically offer significantly lower rates than traditional card acceptance.

Is this regulated?

Regulatory status depends on your jurisdiction and the processor you use. Processors operating the Stablecoin Stack are responsible for their own regulatory compliance. When choosing a processor, ask specifically about their regulatory framework in your market.

Ready to accept instant payments?

Find a processor that runs the Stablecoin Stack, or contact the Foundation to learn more about what's available in your region.

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