How to Accept USDC Payments on Your Website (2026 Guide)

USDC on Solana settles in seconds, and the network fee is a fraction of a cent. The buyer pays that fee, not you. With Solana Pay you don't need Coinbase Commerce, BitPay or any processor. The buyer sends USDC straight to your wallet.

What you need

A Solana wallet address. Phantom, Solflare or Backpack all work. Use a dedicated receiving wallet.
A USDC token account on that wallet. Receive any small USDC amount once to create it.
A checkout that shows a Solana Pay QR code and verifies the payment.

The payment link

solana:YOUR_WALLET?amount=19&spl-token=EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v&reference=UNIQUE_KEY&label=My%20Store

EPjFWdd5...Dt1v is the official USDC mint. Always check this exact address. Anyone can create a token named "USDC".

Confirming the payment

Look up the transaction by its reference with getSignaturesForAddress. Then confirm that your wallet's USDC balance for that mint went up by at least the price. Do this on a server. A free Cloudflare Worker is enough.

USDC vs. card processors

Card (Stripe)	2.9% + 30¢, chargebacks, payout delays
USDC via Solana Pay	~$0.001 network fee paid by the buyer, no chargebacks, instant

Skip the setup. The Solana Pay Drop-In Checkout Kit gives you the checkout page, the verifying Worker, a balance script and a full guide for 7 USDC. It's the same checkout this site runs on.

More guides: How to Accept USDC Payments on Your Website (2026 Guide) · Solana Pay on WordPress · Solana Pay Shopify Alternative · Solana Pay QR Code · Accept Solana payments