Coinbase Commerce is closed
According to Coinbase's transition guide, the Commerce dashboard became inaccessible after March 31, 2026 and new charges can no longer be created.
Coinbase Commerce alternative
Moving off Coinbase Commerce? Keep settlement in your own wallet.
Coinbase closed the Coinbase Commerce portal on March 31, 2026 and moved merchants to Coinbase Business, a custodial account for businesses with a legal entity in the US or Singapore. Payclave is a non-custodial alternative: customers pay through a hosted checkout, and USDC or USDT on Polygon settles directly to a wallet you control.
Coinbase Business is custodial
Coinbase Business credits payments to an account Coinbase holds, and it is open to legal entities in the US and Singapore.
Payclave keeps self-custody settlement
Like the legacy Commerce wallets, Payclave settles to a wallet you control. There is no Payclave account in between and no later payout.
Switching to Payclave
Replace Commerce charges with Payclave checkout sessions.
- 1
Create test keys
Sign up, open the dashboard in test mode, and create a secret key for your server. Test mode does not move real funds.
- 2
Set a settlement wallet
Choose USDC or USDT on Polygon and add a wallet you control. Live payments settle there directly.
- 3
Create checkout sessions
From your backend, create a checkout session with the trusted amount and your order reference, then send customers to the hosted checkout URL.
- 4
Verify signed webhooks
Verify X-Payclave-Signature on each webhook and fulfill orders on invoice.paid, after Payclave has verified the payment onchain.
Payclave vs Coinbase Business at a glance
Last checked October 30, 2026 against each provider's own pages. Provider terms and fees change, so confirm current details on their sites before deciding.
| Payclave | Coinbase Business | |
|---|---|---|
| Custody | Settlement goes to a merchant-controlled wallet | Payments are credited to a Coinbase Business account held by Coinbase |
| Business location | Subject to Payclave's eligibility review | Legal entity in the US or Singapore |
| What you receive | USDC or USDT on Polygon | USDC in the Coinbase Business account |
| Customer payment options | Connected wallet, or Scan or copy on supported networks when a route is available | USDC on Ethereum, Base, Polygon, Optimism, Arbitrum, or Solana; USDT on Ethereum |
| Fiat conversion | Not offered | Available from the account; USDC to USD conversion has a fee |
| Fee | 0.7% per completed live payment, no monthly fee | Rate shown after sign-in; 1% for merchants migrating from Commerce |
| Testing | Free test mode | Sandbox with simulated USDC payments on Base Sepolia |
| Webhooks | HMAC SHA-256 signed, retried, and replayable | Signed with an X-Webhook-Signature header |
What changed for Coinbase Commerce merchants
Coinbase Commerce wallets were self-custodial: the merchant held the recovery phrase. Coinbase Business works differently. Funds are credited to a Coinbase-held account, the API moved from the Commerce Charge API to new Checkouts endpoints, and onboarding requires a registered business and a business bank account.
If you still have funds in a legacy Commerce wallet, follow Coinbase's transition guide for recovering them. Payclave cannot access or move funds in Coinbase wallets.
When Coinbase Business may fit better
Coinbase Business can suit a US or Singapore business that wants a custodial account, USDC settlement with a bank off-ramp, and the Coinbase brand at checkout. Payclave suits merchants that want settlement to land in their own wallet, prefer USDT or USDC on Polygon, and do not need Payclave to convert stablecoins to fiat.
Sources
Coinbase facts on this page come from Coinbase's own help center, product page, and developer documentation.
Frequently asked questions
Coinbase Commerce alternative: common questions.
Is Coinbase Commerce still available?
No. Coinbase's transition guide says merchants had to move by March 31, 2026, after which the Commerce portal and dashboard became inaccessible and new charges could not be created. Coinbase now points merchants to Coinbase Business.
Is Payclave custodial like Coinbase Business?
No. Payclave never holds customer payments or merchant settlement. Live payments settle to the USDC or USDT on Polygon wallet you configure, and Payclave's 0.7% fee goes to a separate fee wallet in the same payment.
Can I reuse my Coinbase Commerce integration?
Not directly. Payclave has its own checkout-session API and webhook format. Most integrations replace charge creation with a Payclave checkout session and swap the webhook handler to verify X-Payclave-Signature.
Does Payclave convert payments to fiat?
No. Payclave settles stablecoins to your wallet and does not offer fiat conversion. If you need dollars in a bank account, you convert separately.
Explore Payclave
Continue planning your integration.
Non-custodial checkout
Use a non-custodial crypto checkout where stablecoin settlement goes to the merchant's configured wallet and payment status is verified independently.
Learn morePricing
Payclave pricing has no monthly or setup fee. Test mode is free, and a flat 0.7% platform fee applies to each completed live payment.
Learn moreBitPay alternative
Compare BitPay's processor model, with daily settlement and tiered fees, to Payclave's non-custodial USDC and USDT checkout that settles to your wallet.
Learn moreHow to accept stablecoin payments
Compare the four ways a business can accept USDC or USDT: a wallet address, a store plugin, a custodial processor, or non-custodial hosted checkout.
Read the guideCreate a checkout session
Create a Payclave stablecoin checkout session from your backend, use idempotency correctly, redirect to hosted checkout, and confirm payment safely.
Read the guideTest 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.