USDC checkout for merchants

Accept USDC payments through a hosted merchant checkout.

Turn an order amount into a Payclave checkout session, direct the customer through a supported payment route, and receive USDC settlement in the Polygon wallet your merchant account configures.

Configured USDC settlement

Keep the merchant receiving asset explicit with a USDC wallet on Polygon linked to the checkout invoice.

Hosted customer experience

Send customers to a Payclave-branded page instead of building wallet connection and payment status UI from scratch.

Operational evidence

Review payment outcomes, transaction details, webhook attempts, and audit history from the dashboard and API.

From order to payment record

A checkout flow with a verifiable outcome.

  1. 1

    Configure the merchant

    Add the USDC receiving wallet on Polygon and keep test-mode and live-mode credentials separate.

  2. 2

    Create the checkout session

    Your backend supplies the authoritative order amount and reference and receives the public checkout URL.

  3. 3

    Present the supported payment flow

    Payclave displays connected-wallet or scan/copy options available for that checkout without exposing merchant secrets.

  4. 4

    Act on verified payment

    The merchant verifies the signed webhook and fulfills only after the invoice has the appropriate paid status.

Add USDC without rebuilding the order system

Payclave checkout sessions fit alongside an existing cart, invoice, or order service. The merchant system remains responsible for price and inventory, then creates a checkout session with the trusted amount when the customer chooses stablecoin payment.

The returned checkout URL can be opened from a normal payment button. Status can be read through the API and received through signed webhooks, so the existing fulfillment workflow stays in control.

Separate customer payment choice from merchant reconciliation

The customer-facing flow may support different source tokens or networks. The merchant record still identifies the configured USDC receiving asset, the invoice amount, and the final settlement evidence used for reconciliation.

This keeps payment flexibility at checkout from creating ambiguous internal records for finance, support, or engineering teams.

Verify before the order changes state

Payclave does not trust a browser callback as payment proof. Verification checks the transaction hash, destination, token, chain, amount, timing, confirmation state, and duplicate transaction use before the invoice becomes paid.

Webhook attempt logs and replay controls help operators recover when the merchant endpoint is temporarily unavailable without losing the payment record.

Frequently asked questions

Questions about accept usdc payments.

How do I add USDC checkout to an existing store?

Create the Payclave checkout session from your backend after the order amount is finalized, then redirect the customer to the returned checkout URL and process the signed payment webhook on your server.

Does Payclave convert USDC to fiat?

No. Payclave does not provide fiat settlement or exchange services. The merchant receives the configured stablecoin settlement in its own wallet.

Can I test USDC checkout before going live?

Yes. Test mode has separate keys and records so a team can validate session creation, the hosted flow, status handling, and webhook verification before live activation.

Can the same transaction pay two invoices?

No successful verification should reuse the same chain and transaction hash for another invoice. Duplicate-use checks are part of the payment verification process.

Test the flow

Create a checkout session before you change your production stack.

Use test keys, the API playground, and signed webhook examples to validate the complete order-to-payment flow.