Accept stablecoins. Any currency, any stablecoin.
Price in your own currency. Let the customer pay in whatever stablecoin they hold. Receive the one you chose. The conversion happens inside settlement — not in your checkout, and not on your balance sheet.
One invoice or a million orders.
The same settlement underneath. What changes is where you start.
Freelancers
Invoice a client abroad and get paid in your own currency.
Send a payment link per invoice. Nothing to install.
No code needed →Shops & restaurants
Take payment at the counter without a card terminal.
Print the branded QR once; every scan lands in the dashboard.
No code needed →Ecommerce
A checkout button on the store you already run.
One script tag, or the API if your cart is custom.
A little code →Platforms & corporates
Payouts, marketplaces, treasury in several currencies at once.
Mint links per order from your backend; reconcile on the webhook.
Use the API →Three ways in. Pick the one that matches your week.
They all settle the same way and land in the same dashboard. The only difference is how much of your own code sits in front of it.
Pick a ticker, pick an address. What else?
Six more fields, three of which matter on day one. Here is the whole surface, and why each one exists.
A stablecoin transfer carries no memo field.
The reference rides with the payment instead, which is what lets you match an arrival to an order.
Three arrivals, no way to tell which order each one paid.
Same three payments, each one reconciled on arrival.
Priced in SGD. Paid in anything. Received in SGD.
Your customer never sees a conversion, and you never hold a currency you did not choose. Non-USD pairs settle directly, so an SGD price paid in ringgit skips the dollar detour and the second spread.
- 01Your checkoutSGD 25.00Priced in your currency
- 02Customer paysUSDCAny wallet, any stablecoin
- 03Sera settlesUSDC → XSGDOne transaction, no custody
- 04You receiveXSGD 25.00An address you own
- 05Your serverwebhookOrder INV-1042 closed
Not a processor. A settlement layer.
Four questions a processor answers one way and Sera answers another.
Screening still runs on the payment flow.
Your own obligations depend on your business and where it operates — see how Sera handles screening.
Live acceptance, running today.
Products taking stablecoin payments on Sera right now.
SeraPay
pay.sera.cx ↗The merchant gateway behind every tier on this page. Wallet sign-in, payment links, branded QR, signed checkout, webhooks, and a transaction ledger you can reconcile against.
YouApp
youapp.ai ↗Scan to pay with stablecoins and feel like a local. Tops up from ERC-20 stablecoins and pays any DuitNow QR in ringgit, settling the FX through Sera.
More in the ecosystem.
Accepting stablecoins, answered.
How does a website accept stablecoin payments?
Three ways, in ascending order of effort. Create a payment link or QR from the SeraPay dashboard with no code at all. Drop a one-line checkout button into your page. Or call the API to mint a checkout link per order and receive a webhook when it settles. All three end in the same place: the stablecoin you asked for, in an address you control.
Can I price in my own currency and still accept any stablecoin?
Yes — that is the point of settling on Sera. Price the order in Singapore dollars, pesos or euros and name the stablecoin you want to receive. The customer pays in whatever stablecoin they already hold, and the FX happens inside settlement rather than at your checkout. You are never asked to hold a currency you did not choose.
Do I need a bank account, a licence, or KYC to accept payments?
No bank account and no licence stack. Settlement is non-custodial: funds move from the customer's wallet to your address in one transaction and Sera never holds them. Your own regulatory obligations depend on your business and jurisdiction, and compliance screening runs on the payment flow — but you are not renting someone else's payments licence to get started.
How do I know a payment arrived, and which order it belongs to?
A plain token transfer carries no memo, so an order reference is attached to the payment itself rather than the transfer. Pass your own order ID when you create the payment and it comes back on the webhook that fires on settlement, alongside the transaction. You can also poll the transactions endpoint or stream events if you prefer to reconcile on your side.
What does it cost to accept stablecoins through Sera?
Sera charges no protocol fee. The liquidity provider that fills the currency conversion earns the FX spread, typically 10–30 bps depending on the corridor, and you pay on-chain gas. Compare that with 2–3% for card-based cross-border acceptance before FX markup.
Which stablecoins and chains can I accept?
39 stablecoins across 21 currencies, including USDC, USDT, EURC, XSGD, MYRT, JPYC, IDRT and BRZ. Non-USD pairs settle directly without a dollar detour, so a ringgit price paid in Singapore dollars does not cross the dollar twice and pay two spreads. All of it settles on Ethereum mainnet — Sera's orderbook, vault and token registry are deployed there, so that is the one network to point a payment at.