> ## Documentation Index
> Fetch the complete documentation index at: https://docs.cdp.coinbase.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Acceptance

> Accept stablecoin payments through familiar payment APIs (authorization, capture, refund, and void) without blockchain complexity.

<Note>
  Documentation and API access are provided to partners during onboarding. If you're interested in adding stablecoin payments to your platform, email us at [coinbase.payments@coinbase.com](mailto:coinbase.payments@coinbase.com) and our team will follow up to discuss fit.
</Note>

Coinbase Payment Acceptance enables payment platforms, PSPs, and enterprises to offer stablecoin checkout to their customers. Buyers pay with USDC (and soon USDT) from any of 500+ wallets, directly from their Coinbase account, or through an x402-enabled agent. You get instant settlement in USD or USDC through APIs that work like the card networks you already know.

## Why stablecoins

* **A customer base you can't reach today.** Over 150 million people hold stablecoins globally. This is net-new demand, not a substitution for existing card volume.
* **No chargebacks.** Cryptographic authorization replaces dispute-based payment models.
* **Instant settlement.** Funds settle in seconds, not days. No rolling reserves, no holdbacks, no batch windows.
* **Borderless by default.** Buyers pay from anywhere in the world, 24/7. No cross-border fees, no FX conversion, no correspondent banking.

## What you get

<CardGroup cols={2}>
  <Card title="Standard payment primitives" icon="credit-card">
    Authorization, capture, void, and refund. Same lifecycle your systems already support.
  </Card>

  <Card title="Multiple buyer experiences, one integration" icon="wallet">
    Buyers pay from any self-custody wallet (MetaMask, Phantom, Trust Wallet, and 500+ more), directly from their Coinbase account, or through an x402-enabled agent.
  </Card>

  <Card title="Cross-chain support" icon="link">
    Accept payments from Ethereum, Base, Arbitrum, Optimism, and Polygon. Buyers pay from whichever network they're on.
  </Card>

  <Card title="No gas fees for buyers" icon="gas-pump">
    Buyers pay the exact amount at checkout, nothing more.
  </Card>

  <Card title="Settlement and reporting" icon="chart-bar">
    Automated sweeps to your bank account with transaction-level reporting and reconciliation files.
  </Card>

  <Card title="Webhooks" icon="bell">
    Real-time notifications for every state change in the payment lifecycle.
  </Card>

  <Card title="Sandbox environment" icon="flask">
    Full test environment with testnet funds so your team can integrate before going live.
  </Card>
</CardGroup>

## How it works

1. You create a payment session via API with an amount and currency.
2. The buyer authorizes the payment from their wallet, Coinbase account, or x402-enabled agent.
3. You capture funds after fulfillment, instantly settled to your account.
4. Refunds and voids work exactly like card payments.

## x402 agent payments

Payment sessions created with a wallet target include an `x402Url`, a CDP-hosted URL that you can give to an x402-enabled agent. The agent makes a `POST` request to this URL. CDP returns the x402 payment requirements in the `PAYMENT-REQUIRED` header, including the supported USDC payment options.

After the agent completes the x402 payment flow, the payment session follows the normal Payment Acceptance lifecycle. You can capture, void, or refund the payment session using the same APIs as other wallet-authorized sessions.

## 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](mailto:coinbase.payments@coinbase.com).

Tell us about your business and we'll follow up to discuss fit.