10 Best Stablecoin Payment Solutions for Digital Agencies

In this article I will discuss the Best Stablecoin Payment Solutions for Digital Agencies, highlighting platforms that make it easy to process international client payments, freelancer payouts, and business transactions.

We will look at the key features of digital agencies, the stablecoins they support, the blockchain networks they support, transaction fees, integrations, security, limitations and payment capabilities to help you choose the right solution for managing global payments.

What Is Stablecoin Payment Solutions?

Stablecoin payment solutions are digital payment platforms that allow businesses to send, receive and manage payments with cryptocurrencies pegged to stable assets such as the US dollar or euro. These platforms support stablecoins like USDT and USDC on blockchain networks such as Ethereum, Solana, Polygon and Base.

They offer payment links, digital invoices, API integrations, automatic currency conversion and international settlements. Stablecoin payment solutions provide digital agencies with a more convenient method to receive payments from clients abroad, pay freelancers and contractors, manage monthly retainers and execute cross-border business transactions with enhanced payment flexibility and transparency.

Key Points

Stablecoin Payment Solution	Key Point
Stripe Crypto & Stablecoin Payments	Enables businesses to accept stablecoin payments, reduce cross-border payment friction, and settle funds through Stripe’s global payments infrastructure.
BVNK	Enterprise-grade stablecoin payment platform that allows businesses to send, receive, convert, and settle stablecoin payments across more than 150 countries.
Coinbase Commerce	Merchant payment solution that enables agencies to accept cryptocurrency and stablecoin payments directly from clients worldwide.
BitPay	Well-established crypto payment processor supporting stablecoin payments, invoicing, settlement options, and business payment acceptance.
NOWPayments	Flexible crypto payment gateway with extensive stablecoin support, recurring billing options, payment APIs, and e-commerce integrations.
CoinGate	Global cryptocurrency payment processor that allows businesses to accept stablecoins and receive settlement through multiple payment options.
Circle Payments	Built by the issuer of USDC, offering infrastructure for stablecoin payments, treasury management, and global money movement.
Bridge (Stripe)	Stablecoin orchestration platform acquired by Stripe, designed to help businesses move money globally using stablecoin rails.
Conduit	Cross-border payment platform that leverages stablecoins to facilitate international business payments and treasury operations.
Helio	Stablecoin and crypto checkout solution designed for online businesses, agencies, creators, and digital service providers accepting blockchain-based payments.

1. Stripe Payments in Crypto & Stablecoin

Founded in 2010 | Headquarters in San Francisco, California, USA

Stripe is delivering crypto and stablecoin payment functionality to qualifying businesses, enabling them to accept digital currency through familiar checkout, payment links and API integrations. Its stablecoin payments feature supports USDC on Ethereum, Solana, Base and Polygon, USDP on Ethereum, Solana and Base, and USDG on Ethereum.

Payments are automatically converted and settled to the merchant’s Stripe balance in US dollars. Digital agencies may utilize Stripe to accept payments from their clients anywhere in the world without having to directly interact with the customers’ crypto wallets.

Compare its stablecoin payment processing fee and merchant eligibility with current Stripe account pricing and regional terms.

Stripe Crypto & Stablecoin Payments Best For

• International Client Payments: Great for digital agencies accepting stablecoin payments from foreign clients.
• Existing Stripe Users: For agencies already using Stripe’s payment processing ecosystem.
  Automated Payments Processing: Perfect for businesses looking to automatically convert stablecoins to fiat.
• API-Based Payment Integration: Best for agencies developing custom checkout and payment experiences.
• Business Payment Management: Ideal for agencies looking to combine digital payments with traditional payment methods.

Stripe Crypto & Stablecoin Payments Limitations

Limitations
Stablecoin payment acceptance is limited by supported countries and merchant eligibility requirements.
Supported stablecoins and blockchain networks may not cover every client payment preference.
Agencies relying on direct crypto wallet management may find its automatic fiat settlement restrictive.
International stablecoin payouts are not equivalent to stablecoin payment acceptance and may require separate services.
Stripe processing, conversion, and other applicable charges can increase overall payment costs.

2. BVNK.

Year Founded: 2021 | Headquarters: London, UK

BVNK is a stablecoin payment infrastructure provider for enterprises that process large payment volumes and international transactions. It allows companies to receive, send, store, and convert stablecoins and traditional currencies.

Its infrastructure supports major stablecoin assets and multiple blockchain networks via a single API, and payment services reach over 130 countries. Digital agencies can use BVNK for collecting from international clients, paying out freelancers, business-to-business transfers and automated currency conversion.

It also provides wallet infrastructure, compliance tools, liquidity management and webhooks. Transaction fees are not a public processing rate that fits all, but are driven by business needs and negotiated agreements.​

BVNK Best For

• Enterprise Payment Operations – Ideal for large digital agencies that have a high volume of international transactions.
• Global Contractor Payments: Ideal for agencies that pay freelancers and remote employees in different countries.
• Cross-Border Settlements: Best for companies collecting from clients and paying suppliers across international borders.
• Stablecoin Conversion to Fiat: Ideal for agencies that require conversion of digital currency into traditional currencies.
• Payment Automation Infrastructure: For businesses looking to integrate stablecoin transfers via APIs.

BVNK Limitations

Limitations
Enterprise-focused onboarding may be less suitable for small agencies with limited payment volumes.
Pricing may require direct negotiations, making upfront cost comparisons difficult.
Access to payment services depends on business eligibility and supported jurisdictions.
API integration can require technical resources and additional development work.
Fiat conversion and local payout availability vary across payment corridors.

3 Coinbase Commerce

Founded: 2012 (Coinbase) | Headquarters: Remote-first company, no fixed headquarters

Coinbase Commerce was built to let businesses accept payments in cryptocurrencies via hosted checkout pages, payment links, and API integrations. Its legacy payments service supported stablecoins like USDC and other cryptocurrencies and its supported networks included Ethereum, Polygon and Base.

The historical merchant processing fee was 1% per transaction. However, Coinbase Commerce is being migrated to Coinbase Business and the legacy Commerce portal will be decommissioned after March 31, 2026. So, digital agencies should consider Coinbase Business as a payment collection, custody, fiat off-ramping, invoicing, and accounting solution in the present, rather than considering the older Commerce product as a standalone solution.“

Coinbase commerce Best For

• Accepting Payments In Cryptocurrency: Best for businesses that want to accept digital currency payments from their clients.
• USDC Payment Collection: Great for agencies that have customers who want to pay with USDC.
• Hosted Checkout Experiences: Perfect for agencies looking to simplify crypto payments.
• Coinbase Ecosystem Users: Best for companies that are already on Coinbase’s services.
• Crypto Payment Management: Ideal for agencies looking into digital asset collection and settlement through Coinbase Business.

Coinbase Commerce Limitations

Limitations
The legacy Coinbase Commerce product has undergone a transition to Coinbase Business, creating uncertainty for businesses relying on older integrations.
Current product availability and features may vary according to business location and eligibility.
Agencies may need to adjust existing payment workflows during the product transition.
Supported stablecoins and blockchain networks may not meet every agency’s preferred payment requirements.
Additional conversion and withdrawal costs can affect the total cost of receiving client payments.

4. BitPay

Founded: 2011 | Headquarters: Atlanta, Georgia, U.S.

BitInstant is a digital currency payment processor for companies that want to accept digital currency, create invoices and make international payments. It offers stablecoin payment services, including acceptance of USDC, and a broader payment infrastructure that supports multiple cryptocurrencies and blockchain-based transactions.

Businesses can accept payments via online checkout, email invoices and in-store QR payments. Digital agencies can also leverage its payout capabilities to pay international contractors, suppliers, and marketing partners. BitInstant offers settlement in either fiat or crypto currencies depending on eligibility and account setup.

Its transaction pricing varies depending on the merchant plan and payment arrangement, so agencies should check processing, conversion and payout costs before onboarding.

BitPay Best For

• Established Business Payments – The best option for agencies requiring a trusted crypto payment processor.
• Client Invoice Collection: Great for collecting project payments using professional crypto invoices.
• Range of Cryptocurrency Options: Perfect for agencies that accept stablecoins and other digital currencies.
• International Business Transactions – Ideal for businesses that are paid by international customers.
• Fiat Settlement Options : Perfect for agencies looking to convert crypto payments received into traditional currencies.

BitPay Limitations

Limitations
Merchant onboarding and verification requirements may create additional setup work for smaller agencies.
Its supported stablecoin selection is narrower than that of some multi-asset payment gateways.
Merchant availability and settlement options differ across supported countries.
Additional conversion and withdrawal charges may affect the final amount received.
Agencies seeking highly customized payment workflows may require additional API development.

5. NOWPayments

Founded: 2019 | Location: Amsterdam, The Netherlands

NOWPayments is a crypto payment gateway that allows businesses to accept payments in digital currencies via APIs, payment buttons, invoices, and e-commerce integrations. It supports a variety of cryptocurrencies and stablecoins like USDT and USDC on compatible blockchain networks like Ethereum, Tron and other supported chains.

Digital agencies can collect international project fees using its payment links and get payments from clients who prefer cryptocurrency. It also supports automatic coin conversion, recurring payment options and payout functionality.

The published service charge is 1% for payments with no exchange and 1.5% for multi-currency or fixed-rate payments, plus applicable network fees.

NOWPAYMENTS. Best For

• Small and Medium Agencies: Perfect for agencies that want to accept cryptocurrency payments on a flexible basis.
• Create Payment Links: Ideal for accepting payments from your clients without the need to build a full checkout system.
• Multi-Currency Acceptance: Perfect for agencies accepting USDT, USDC and other supported cryptocurrencies.
• E-commerce integrations: Great for agencies that host websites and digital service stores.
• Automated Payment Processing: Ideal for businesses that require API-driven payment notifications and automated payment workflows.

NOWPayments Limitations

Limitations
Network fees can increase transaction costs, particularly during blockchain congestion.
Fixed-rate and multi-currency payment options can introduce additional conversion charges.
A large cryptocurrency selection can make payment management more complex for agency accounting teams.
Fiat settlement options and availability depend on supported currencies and regional arrangements.
Agencies requiring advanced enterprise treasury controls may need additional financial infrastructure.

6. CoinGate

Founded: 2014 | Based in: Vilnius, Lithuania

CoinGate is a cryptocurrency payment processor that allows you to accept digital currency by offering payment buttons, hosted checkout, invoices and API integrations. It accepts stable coins such as USDT and USDC, as well as other cryptocurrencies.

Availability depends on the asset and payment method on the blockchain. It supports networks such as Ethereum, Polygon, Arbitrum and Solana. CoinGate can help digital agencies get paid for projects, create and send invoices to clients, accept international payments, and issue crypto payouts.

It also has integrations for e-commerce platforms and business payment workflows. CoinGate has a standard merchant processing fee of 1% but there may be currency conversion and withdrawal fees.

Coingate Best For

• Digital Service Businesses: ideal for agencies selling digital services to overseas customers.
• Crypto Invoice Management: Ideal for generating payment invoices for projects and service contracts.
• E-commerce Payment Integration: Best for agencies that have online stores and supported e-commerce platforms.
• Multiple Crypto Payment Options: Great for businesses accepting stablecoins and other cryptocurrencies.
• Fiat Settlement Management: Best for agencies who want crypto payments with the option of settling in traditional currency.

CoinGate Limitations

Limitations
Merchant availability and supported settlement currencies vary by jurisdiction.
Its standard processing fee may become significant for agencies handling frequent transactions.
Blockchain network support differs between individual cryptocurrencies and payment methods.
Some advanced billing and payout workflows may require API customization.
Currency conversion and withdrawal charges can increase the overall payment expense.

7. Circle Pay

Founded: 2013 | HQ: Boston, Massachusetts, USA

Circle Payments gives financial infrastructure based on stablecoins through the Circle Payments Network (CPN), which assists businesses and financial institutions in managing international money transfers and settlements.

USDC is its main payment asset, supported by a growing multi-blockchain infrastructure across more than 25 networks. Circle also offers APIs for stablecoin issuance, redemption, liquidity access and payments. It provides an infrastructure for digital agencies to collect international business payments, settle supplier invoices and pay freelancers or contractors through participating financial partners.

The payment network also supports local fiat payouts in several markets. The fees are set by the financial institution involved, the payment corridor, the conversion requirements, and the service you select, and are not a single fee from a public gateway.

Circle Payment Best For

• USDC business-to-business payments: Best for agencies and businesses whose main payment asset is USDC.
• Cross-Border Settlements: To use for international payments through participating financial institutions.
• Integration of financial infrastructure. Best for agencies and platforms developing stablecoin payment services through API.
• International Supplier Payments: Great for businesses sending payments to suppliers and partners abroad.
• Stablecoin Payment Automation: For companies looking for programmable payment and settlement infrastructure.

Circle Payments Limitations

Limitations
Access to Circle Payments Network may depend on participating financial institutions and approved business relationships.
Its USDC-focused infrastructure may not suit agencies that primarily receive payments in USDT.
Integration can require technical development and compliance preparation.
Local fiat payout availability depends on supported payment corridors and partners.
Pricing may involve multiple service providers, making the total transaction cost harder to estimate.

8. Bridge (bridge)

Established: 2022 | Headquarters: United States; subsidiary of Stripe

Bridge is a stablecoin payments infrastructure platform that Stripe acquired in February 2025. It provides APIs to help businesses build stablecoin payment, conversion, wallet and cross-border transfer systems.

Infrastructure that supports major digital dollar assets like USDC and USDT, and additional stablecoins. Network availability across supported blockchain integrations. Bridge enables digital agencies and payment platforms to automate international transfers, create stablecoin payment workflows, manage conversions, and connect fiat payment systems to blockchain networks.

It is especially relevant for agencies creating custom payment experiences. Pricing is based on volume of transactions, payment orchestration, transfer methods of fiat currency, and business deals that are negotiated. 

Stripe Bridge Best For

• Custom Payment Infrastructure: Best for agencies and tech companies building custom stablecoin payment systems.
• International Contractor Payments: Ideal for companies paying freelancers and remote teams globally.
• Stable Coin Conversion: Perfect for agencies that facilitate conversion between traditional currency and stable coins.
• API-Based Payment Workflows: Suited for businesses that want to automate payment collection, transfer and settlement operations.
• Global Financial Applications: Designed for agencies building payment platforms and fintech solutions.

Bridge (Stripe) Limitations

Limitations
API-based implementation may require experienced developers and additional integration resources.
Business onboarding and access to services depend on compliance checks and geographical eligibility.
Stablecoin and blockchain availability can differ across individual products and payment routes.
Agencies seeking a ready-made payment gateway may find its infrastructure-oriented approach complex.
Transaction, conversion, and payout pricing may require direct commercial discussions.

9. Conduit

Founded: 2021 | HQ: United States

Conduit is a global payment infrastructure provider that uses blockchain networks and stablecoins to facilitate cross-border business transactions. The infrastructure supports 13+ blockchain networks such as Ethereum, Solana, Base, Polygon, Arbitrum, Optimism, Avalanche, BNB Chain, Tron. It supports USDC as one of its core stablecoins, and USDT and other digital currencies are available on compatible networks.

Digital agencies can use Conduit to pay international contractors, settle suppliers, convert currencies and make business-to-business transfers. The API-based architecture enables the automation of payment operations and the linkage of blockchain transfers with traditional finance. Transaction pricing is based on payment routes, conversion services and business arrangements.

The Conduit Best For

• Emerging Market Payments: Best for companies that make cross-border payments in emerging markets.
• International Contractor Settlements: Best for agencies that pay remote employees and contractors in supported countries.
• B2B Payment Transfers: Perfect for agencies handling recurring payments to suppliers and business partners.
• Local Currency Payouts – Best for businesses paying out stablecoin funds to supported local currencies.
• Automated Payment Operations: Ideal for companies that use payment APIs for their cross-border transfers.

Conduit Limitations

Limitations
Payment corridor coverage may not include every country where an agency works with contractors.
Available stablecoins and payout currencies depend on the selected route.
API integration may require technical expertise and ongoing maintenance.
Pricing transparency can be limited when costs depend on payment routes and conversion arrangements.
Agencies seeking a simple hosted checkout experience may need an additional payment solution.

10. Helio

Founded: 2022 | HQ: Unconfirmed independently, acquired by MoonPay in 2025

Helio is a crypto payment technology platform, originally built to make it easy for merchants, creators and online businesses to accept blockchain-based payments. It has a payment infrastructure that supports cryptocurrencies such as SOL, ETH, and BTC, and offers stablecoin payment capabilities on compatible blockchain networks, notably the Solana ecosystem.

Its technology includes hosted checkout, payment links, developer APIs and integrations with platforms like Shopify and WooCommerce. Digital agencies may utilize its payment infrastructure to accept payments from clients, monetize digital services and create tailored checkout experiences. MoonPay acquired Helio in January 2025 and integrated its payment technology with MoonPay’s broader commerce ecosystem.

The applicable MoonPay or Helio offering will confirm the current fees and supported stablecoin networks.The text is a transcription of the audio file. The audio file itself is not available. The text contains some typographical errors and may not be a perfect reflection of the audio.

Helio Best For

• Digital businesses on Solana: Perfect for agencies and businesses in Solana ecosystem.
• Creator and Community Payments: Good for companies taking payments from digital audiences and online communities.
• Digital Product Sales: Great for agencies selling digital products, memberships, and online services.
• Hosted Crypto Checkout: Perfect for businesses looking for an easy cryptocurrency payment experience.
• Developer Payment Integrations: Ideal for agencies developing custom checkout and payment experiences using APIs.

Helio Limitations

Limitations
Its Solana-focused origins may limit suitability for agencies requiring extensive multi-chain payment flexibility.
Stablecoin support depends on the current MoonPay and Helio product configuration.
Product ownership and integration changes following its acquisition may require existing merchants to review their payment setup.
Fiat settlement and withdrawal options may vary according to supported regions and service availability.
Agencies requiring advanced enterprise invoicing, treasury management, and accounting controls may need additional tools.

Conclusion

For digital agencies that partner with global clients, remote freelancers and cross-border business deals, stablecoin payment solutions are proving to be a valuable tool. Among the platforms that provide a variety of payment collection, stablecoin transfers, invoicing and settlement capabilities are Stripe,

BVNK, Coinbase Business, BitPay, NOWPayments and Circle. Before selecting a provider, agencies should assess the supported stablecoins, blockchain networks, transaction fees, security, integrations, and country availability.

Choosing the right solution can simplify global payment operations, increase financial flexibility and support efficient management of client payments and contractor payouts.

FAQ