USDC on 10 networks, and Tron is not one of them

Accept USDC on ten supported networks

USDC is a fiat-backed US dollar stablecoin. Paymos accepts it on 10 mainnet networks:

• Ethereum
• BSC
• Polygon
• Arbitrum
• Optimism
• Base
• Avalanche
• Solana
• NEAR
• Sui

The merchant enables the USDC networks suitable for a project. At checkout, the customer selects one of those networks and sends USDC 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 USDC. For asset-category definitions, read stablecoin types explained. For the choice between assets, use USDT vs USDC vs DAI.

How should a business choose a USDC network?

Choose the token-network pair your customers already use. A customer must send USDC on the same network selected for the invoice; the token symbol alone is not enough to identify the route. Wallet support, exchange withdrawal options, current network conditions and the payer's network fee should all be checked before enabling a route.

Paymos does not publish one permanent gas amount for USDC. Blockchain costs vary by network and over time, and the payer's wallet determines the fee required to send the transaction. The supported networks hub explains the role of each available network without turning a temporary gas quote into a permanent product promise.

USDC on Tron, TON and Plasma is not an accepted Paymos payment route. A customer should use only a USDC network displayed by the checkout for that invoice.

One USDC balance across supported networks

Merchant balances are held per asset, not per deposit network. USDC received through different supported networks contributes to one USDC balance. When withdrawing, the merchant chooses an available payout network for USDC.

Paymos settles in the accepted asset:

• USDC remains USDC;
• there is no forced conversion to fiat, BTC, ETH or another settlement asset;
• 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 USDC cost?

USDC is priced on the same schedule as every other accepted 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 USDC. Paymos covers the network cost of accepting and consolidating the payment. Paymos takes no processing commission on withdrawal; a withdrawal can include a network fee in the withdrawal asset: disclosed before you confirm, lower than the chain charges for that transfer, with no Paymos share riding on it. See pricing for the complete fee model.

USDC integration options

USDC works through the same Paymos surfaces as the other supported settlement assets:

• Hosted Checkout for a Paymos-hosted payment page.
• Embedded Checkout for an iframe inside a website.
• Payment Links for sending an invoice without a custom checkout.
• 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 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. Start with the quick-start guide and enable only the USDC networks your customers need.

How does a USDC payment move through Paymos?

1. The merchant creates an invoice or opens a configured checkout flow.
2. The payer selects USDC and a network enabled for the project.
3. Paymos allocates a dedicated invoice address and shows the final payment amount.
4. The payer sends USDC 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 USDC balance updates.
7. The merchant receives status changes through the API and authenticated webhooks.

Confirmation policy depends on the network and payment amount. Current blockchain conditions affect observed timing, so Paymos does not promise one fixed confirmation time for every USDC payment.

Security and payment operations

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 a merchant environment can configure up to ten webhook endpoints. Read webhook verification before treating a status event as trusted.

Frequently asked questions

Which USDC networks does Paymos support?

Paymos accepts USDC on Ethereum, BSC, Polygon, Arbitrum, Optimism, Base, Avalanche, Solana, NEAR and Sui.

Does Paymos accept USDC on Tron?

No. Tron is not a supported USDC payment route in Paymos. The checkout shows only the asset-network pairs accepted for the invoice.

Does Paymos convert USDC before settlement?

No. USDC remains USDC in the merchant balance. Paymos does not force conversion to fiat, BTC, ETH or another intermediary asset.

How much does accepting USDC 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 USDC.

How long does a USDC payment take to confirm?

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

Can the payer reverse a settled USDC payment?

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.