USD1 stays USD1, with no detour through USDT or USDC

Accept USD1 on Ethereum and Solana

USD1 is a fiat-backed US dollar stablecoin. Paymos accepts USD1 on two mainnet networks:

• Ethereum
• Solana

The merchant enables the networks suitable for a project. At checkout, the customer selects Ethereum or Solana and sends USD1 from a compatible wallet. Paymos assigns a dedicated deterministic address to the invoice, monitors the selected network, applies the relevant confirmation policy and updates the payment status.

This page owns the product question: how Paymos accepts and settles USD1. For stablecoin categories, read stablecoin types explained. To compare more established payment assets, use USDT vs USDC vs DAI.

Which USD1 network should a business enable?

Enable the route your customers already use. A customer must send USD1 on the same network selected for the invoice. Sending the correct token on the wrong network is not the same payment route.

Before choosing, check wallet support, the networks offered by the customer's exchange, current blockchain conditions and the payer's network fee. Paymos does not publish one permanent gas amount because network costs change. The customer's wallet calculates the fee required to send each transaction.

Only Ethereum and Solana are supported USD1 payment routes in Paymos. BSC and other networks must not be used for a Paymos USD1 invoice unless they are explicitly added to the product catalog and shown at checkout.

USD1 remains USD1 after settlement

Merchant balances are held per asset rather than per deposit network. USD1 received on Ethereum and USD1 received on Solana contributes to one USD1 balance. When withdrawing, the merchant chooses an available payout network offered for USD1.

Paymos settles in the accepted asset:

• USD1 remains USD1;
• there is no automatic conversion to USDT, USDC, fiat, BTC or ETH;
• there is no separate Paymos conversion fee and no markup hidden in the rate;
• Paymos does not provide a bank-account off-ramp.

Withdrawals go to a merchant-controlled address from the withdrawal whitelist. Availability, minimum and network fee depend on the selected asset-network pair and are shown for that route.

What does accepting USD1 cost?

USD1 carries the standard two rates, with no surcharge for a newer asset:

Plan	Processing fee
Standard	1.0% per settled invoice
Enterprise	0.3% on request

There is no setup fee, monthly platform fee, monthly minimum, reserve or rolling reserve. An unpaid, expired or cancelled invoice has no Paymos processing fee.

The payer's wallet pays the network fee required to send USD1. Paymos covers the network cost of accepting and consolidating the payment. Paymos takes no processing commission on withdrawal; a withdrawal may carry a network fee in the withdrawal asset, shown in advance and set under the chain's own price for that route. See pricing for the complete fee model.

USD1 integration options

USD1 works through the same Paymos integration surfaces as other supported assets:

• Hosted Checkout for a Paymos-hosted payment page.
• Embedded Checkout for an iframe inside a website.
• Payment Links for an invoice without custom checkout code.
• Low-Code SDK for a browser-based integration.
• POS Terminal for browser-based in-person collection.
• Host-to-Host REST API for a server-controlled payment flow.
• Official CMS plugins for supported commerce platforms.

Sandbox and Production use separate credentials with the same API surface. Merchant API requests use HMAC-SHA256 authentication. Follow the quick-start guide and enable USD1 only on the networks needed by the project.

How does a USD1 payment work?

1. The merchant creates an invoice or opens a configured checkout flow.
2. The payer selects USD1 and either Ethereum or Solana when enabled.
3. Paymos allocates a dedicated invoice address and displays the final payment amount.
4. The payer sends USD1 and pays the network fee charged by the wallet.
5. Paymos detects the transfer and tracks network confirmation.
6. After the applicable finality threshold, the invoice settles and the USD1 balance updates.
7. The merchant receives status changes through the API and authenticated webhooks.

Confirmation policy depends on the selected network and payment amount. Observed timing also depends on current blockchain conditions, so there is no single fixed confirmation time for every USD1 payment.

Security and webhook delivery

Outgoing Paymos transactions are signed on isolated infrastructure. Withdrawals can go only to destination addresses that were added to the merchant's whitelist.

Webhook delivery uses timestamped HMAC-SHA256 authentication in the X-Webhook-Signature header. Failed events can be replayed manually, and up to ten webhook endpoints can be configured per merchant environment. Read webhook verification before treating a payment event as trusted.

Frequently asked questions

Which USD1 networks does Paymos support?

Paymos accepts USD1 on Ethereum and Solana.

Does Paymos accept USD1 on BSC?

No. The current Paymos catalog supports USD1 only on Ethereum and Solana. Customers should use only a network displayed by the checkout for the invoice.

Does Paymos convert USD1 to USDT or USDC?

No. USD1 remains USD1 in the merchant balance. Paymos does not force an intermediate conversion before settlement.

How much does accepting USD1 cost?

Standard processing is 1.0% per settled invoice. Enterprise processing is 0.3% on request. There is no setup fee, monthly platform fee, monthly minimum, reserve or rolling reserve. The payer's wallet pays the network fee for sending USD1.

How long does a USD1 payment take to confirm?

There is no universal fixed time. Confirmation policy depends on the network and payment amount, while observed timing depends on current blockchain conditions.

Can a settled USD1 payment be reversed?

A payment that has reached blockchain finality cannot be reversed through a card-scheme chargeback. A merchant refund is a new outbound blockchain transaction, not a reversal of the original transfer.