At a glance
Arbitrum on Paymos
Supported assets
- USDT Tether USD
- USDC USD Coin
Confirmation speed
| Up to $100 | 40 blocks |
| Up to $1,000 | 120 blocks |
| Up to $10,000 | 240 blocks |
| Larger amounts | 800 blocks |
Paymos accepts USDT and USDC on Arbitrum. Every invoice gets its own address, the number of confirmations follows the invoice amount, and the merchant is credited in the stablecoin that arrived — no forced conversion, no markup hidden in a rate.
Supported assets on Arbitrum
Two assets are live on Arbitrum: USDT and USDC. USD1, DAI and XAUT have no Arbitrum route. ETH is never the invoice asset, though the sending wallet needs some on Arbitrum to pay for the transfer.
Ticker and network are one pair, not two independent choices. USDC held on Optimism, Base or Ethereum belongs to a different route, and a transfer sent there is not credited to an Arbitrum invoice.
How an Arbitrum payment works
- The merchant creates an invoice through checkout, Payment Links, POS, a CMS plugin, Low-Code SDK, or REST API.
- The customer selects USDT or USDC on Arbitrum.
- Paymos assigns a dedicated deterministic address.
- The customer sends the exact amount over Arbitrum.
- Paymos detects the transfer and counts confirmations against the tier the amount falls into.
- The confirmed asset is credited to the corresponding merchant balance.
Status changes arrive over HMAC-SHA256-signed webhooks, so the order can be released from the invoice state instead of from a block explorer.
Confirmations depend on network and amount
Arbitrum has four tiers and the invoice's dollar value picks one: 40 confirmations up to $100, 120 up to $1,000, 240 up to $10,000 and 800 above that. Blocks come fast on Arbitrum, so those counts work out at roughly ten seconds, thirty seconds, a minute and three and a half minutes.
Those are configured depths, not a delivery promise — block times drift under load. Use the Paymos invoice status before fulfillment, because a wallet broadcast is not a final order signal.
ETH gas and Paymos fees
The payer's wallet pays the Arbitrum network fee in ETH. It belongs to the network and moves with it, so no fixed figure is quoted here. A deeper tier costs the payer nothing extra: waiting for 800 blocks is waiting, not a second transaction.
Paymos covers the network cost of accepting and consolidating the payment. Standard pricing is 1.0% per settled invoice; Enterprise is 0.3% on request. There is no setup fee, monthly fee, minimum volume, reserve, rolling reserve, or charge for unpaid, expired or cancelled invoices.
Same-asset settlement
USDT stays USDT and USDC stays USDC. Nothing is swapped on the way to the balance, and no charge is folded into a rate.
Balances are held per asset, not per network. USDC accepted on Arbitrum and USDC accepted on Base add up to one figure. On withdrawal, the merchant selects an available network and a whitelisted destination.
Paymos adds no processing commission to withdrawals. A network fee may apply to the payout network you select — quoted before you send, and priced under what that route costs.
When to enable Arbitrum
Arbitrum earns its place when customers already hold USDT or USDC there and keep ETH on the same network for the fee. Enabling it adds a route to the integration already running, not a second one.
Do not pick the chain for the customer from an L2 league table. Show the exact network and let the payer use the one where the correct asset and the gas to move it both exist.
Integration and custody controls
Hosted Checkout, Embedded Checkout, Payment Links and Low-Code SDK show the asset, network, amount, address and QR data. H2H REST API, POS and official CMS plugins support other workflows.
Outgoing transactions are signed on isolated infrastructure. Withdrawal whitelisting separately restricts payout destinations.
Frequently asked questions
Which assets can Paymos accept on Arbitrum?
USDT and USDC. USD1, DAI and XAUT are not routed over Arbitrum.
Can USDC from Optimism pay an Arbitrum invoice?
No. Two chains mean two different transfers, and only USDC sent on Arbitrum closes an Arbitrum invoice.
Does the customer need ETH?
Yes, on Arbitrum itself, and only for the network fee. ETH is never part of the invoice amount.
How long does an Arbitrum payment take?
Roughly ten seconds up to $100 and about three and a half minutes above $10,000, on a network running normally.
Does Paymos convert the payment?
No. What the customer sends is what the balance shows.
How do I enable Arbitrum payments?
Enable the supported Arbitrum assets in your integration. Compare the supported networks or the network comparison guide.