Payment Acceptance

Payment Acceptance is a full, enterprise-grade payments stack — not just transfers. Authorizations, captures, refunds, voids, disbursements, and fiat settlement — the same primitives your systems already use for cards, built for stablecoins. Increase conversion and tap a global customer base you can’t reach today.

​

Choose your integration

Both paths give your buyers the same experience — pay with any wallet, any supported chain, and no gas fees. The difference is how much control you need over the payment lifecycle.

---

​

Payment Acceptance

Full-lifecycle stablecoin payment APIs for PSPs, marketplaces, and enterprise platforms.

Payment Acceptance gives you the same stablecoin checkout experience that powers Coinbase Business, with full control over the payment lifecycle. Authorization, capture, void, and refund work like the card networks your systems already support. Configure expiries, split fees, embed the checkout in your own UI, and settle to your bank on your schedule.

​

Why stablecoins

• A customer base you can’t reach today. Over 150 million people hold stablecoins globally.
• Borderless by default. Buyers pay from anywhere in the world, 24/7. No cross-border fees, no FX conversion, no correspondent banking.
• Coinbase as a payment method. Buyers pay from their Coinbase account or any major self-custody wallet (500+ supported) — so you capture both Coinbase’s customers and the rest of the stablecoin market.
• No gas fees. Buyers pay the exact amount at checkout, nothing more.

​

What you get

• Standard payment primitives. Authorization, capture, void, and refund. Partial captures and partial refunds. Configurable expiry deadlines for each stage.
• Reach the whole market. Buyers pay from their Coinbase account or any major self-custody wallet — MetaMask, Trust Wallet, Base Pay, and hundreds more — or through an x402-enabled agent. Ethereum, Base, Arbitrum, Optimism, Polygon.
• No gas fees for buyers. Buyers pay the exact amount at checkout, nothing more.
• Configurable settlement. Settle in USD or USDC in seconds, not days — automated bank sweeps, custom billing models, transaction-level reporting and reconciliation files.
• Multiple buyer experiences. Hosted payment page, redirect flow, or embeddable web component for your own UI.
• Disbursements. Send funds to Coinbase accounts or onchain addresses for credits, rebates, and goodwill payouts independent of any payment session.
• Agentic-ready out of the box. Native x402 support means AI agents can pay through the same APIs — every agent can already pay, no extra integration.

​

Payment lifecycle

A payment session tracks the full lifecycle from creation through settlement. Typical flow: Create a payment session, the buyer authorizes the payment, you capture the funds after fulfillment, and the funds settle to your account.

​

Capture modes

With manual capture, you can capture in multiple parts. Set finalCapture: true on the last capture to release remaining authorized funds back to the buyer.

​

Payment session statuses

​

Authorization flows

Payment sessions created with a wallet target also include an x402Url — a CDP-hosted URL you can give directly to an x402-enabled agent. See Payment Sessions for details on this field, and Authorization for how the x402 flow works end to end.

​

Balances

Every payment session tracks running totals as funds move through the lifecycle: Multiple partial captures are allowed up to the authorized amount. Multiple partial refunds are allowed up to the captured amount.

​

Next steps

​

Who this is for

Payment Acceptance is designed for payment service providers, marketplaces, and large-scale commerce platforms looking to add stablecoin checkout as a payment method.

​

Get in touch

If you’re interested in adding stablecoin payments to your platform, email us at coinbase.payments@coinbase.com. Tell us about your business and we’ll follow up to discuss fit.