Source: https://rivet.global/blog/accept-stablecoin-payments-us-business
Published: 2026-09-21 · Updated: 2026-09-21 · By Alexia M.

# How a US business can accept stablecoin payments

How US businesses accept USDC and USDT: invoices with wallet addresses, networks and fees, confirming payments, converting to dollars, accounting and risks.

## Key takeaways

- A stablecoin invoice needs the amount, the token, the network and a wallet address in the company's control.
- Sending on the wrong network can lose funds; state the network clearly.
- Payments settle in minutes and cannot be reversed by the sender's bank.
- Converting to USD, and the timing of it, has accounting and tax effects; keep records.

"Stablecoin payments" is a growing search, with "platform" and "companies" among the completions. For a US business, accepting them is simple; recording them properly is the work.

## The invoice

| Field | Example |
|---|---|
| Amount | 5,000 USDC |
| Token | USDC |
| Network | Ethereum or Polygon |
| Wallet address | Company-controlled |
| Invoice number | In the memo where possible |

## Steps

1. Issue the invoice with the details above.
2. Customer sends.
3. Confirm the transaction on-chain.
4. Match it to the invoice.
5. Hold USDC or convert to USD.

## Risks

- Wrong network: the payment may be lost.
- Wrong address: the payment is gone.
- Custody: who holds the keys.
- Sanctions screening: required as for any payment.

## Records

Record the dollar value at receipt and any conversion. The IRS treats digital assets as property.

## Paying into the United States: the local rail

| What | Detail |
|---|---|
| Local rail | ACH for batch payments; RTP and FedNow for instant transfers |
| Run by | Nacha for ACH; The Clearing House for RTP; the Federal Reserve for FedNow |
| Settlement | Same-day ACH within the business day, standard ACH the next; RTP and FedNow in seconds, 24/7, where both banks take part |

Source: [Nacha: Same Day ACH](https://www.nacha.org/rules/same-day-ach-moving-payments-faster). Checked when this guide was last updated; the scheme's own page has the current figures.

## Where Rivet fits

Every Rivet plan includes USDC and USDT balances beside USD, with addresses in the company's account, conversion to USD at a fee shown before you confirm, and every receipt on one ledger. Rivet is not a bank; regulated partner institutions hold the funds. See [USDT and USDC networks and fees](/blog/usdt-usdc-networks-and-fees).

## Questions

### How do I accept stablecoin payments?

Give the customer an invoice with the token, network and address. Confirm the payment on-chain, then hold or convert it.

### Which network should I use?

One your provider supports and your customers use, such as Ethereum, Solana, Polygon or Tron for USDT. State it on the invoice.

### Are stablecoin payments taxable?

Receiving them as payment is income at the dollar value. Converting can create small gains or losses. Ask your accountant.

### What about chargebacks?

There are none. On-chain payments are final, which helps sellers but means refunds are manual.