Pilot sandboxNo real funds. Payment detection, wallet, and settlement workflows are for pilot validation only.codex/workspace-241-performance-20261015@1b2290b
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AUSTRALIA PILOT Explore the checkout and records · Demo only
StablesPay

Stablecoin payments. Merchant control.

Accept stablecoin payments
straight to your own wallet.

Create payment requests, verify on-chain payments, and give finance a record to reconcile. Customers pay directly to a wallet you control.

Request Pilot AccessSee How It Works
  • Non-custodial by design
  • Confirmation-based verification
  • Traceable payment records

How it works

From payment request to reconciliation.

One connected workflow for the customer, the cashier and your finance team.

  1. 01Create the requestOne request. Every payment detail.

    Share an order-linked QR code or payment link. Your customer sees the amount, asset and network together before paying from a compatible wallet.

  2. 02Check the paymentSubmitted is not confirmed.

    Match on-chain activity to the request and check the required network confirmations. A submitted transaction is not the same as a confirmed payment. A customer screenshot alone does not prove an order is paid.

  3. 03Reconcile the recordsFrom payment to the order behind it.

    Review payment records with their order references, on-chain evidence and timestamps. Export for reconciliation, with traceable corrections rather than overwritten history.

Funds and control

Customer wallet
Merchant-controlled wallet

Your funds take the direct route.
StablesPay records the payment.

What your customer sees

Clear payment details.
From scan to confirmation.

Amount, network and payment status in one place, with a compatible wallet your customer controls.

  1. 01

    Amounts in both currencies

    See the local-currency price beside the stablecoin amount, with the quote details available to review.

  2. 02

    Payment details together

    Check the asset, network and receiving address in one place, then review them in your wallet before paying.

  3. 03

    A status you can follow

    Follow the payment from submission to confirmation. A pending transaction stays pending until the required checks pass.

  4. 04

    A wallet your customer controls

    Pay from a compatible self-custody wallet on the supported network. Centralized exchange withdrawals are not supported.

SC
Sunrise CafeExample order · SP-1042
DEMO

Order total

A$12.508.15 USDT · illustrative quote

Review the payment details

Demo QR · not a payment request

Asset
USDT · example
Network
Shown before payment
Receiving wallet
Merchant-controlled

Pay from a compatible self-custody wallet

Interactive example. No wallet connection or funds transfer.

Finance & reconciliation

Every payment.
The record behind it.

Order, amount, status and payment evidence belong together. See what is confirmed, what is still pending, and what needs review.

Merchant payment recordsExample data
Download example CSV
Three illustrative payment records, including pending and review states
OrderAmountFiat referencePayment statusReconciliation
SP-10428.15 USDTA$12.50Illustrative quoteConfirmedRequired confirmations metMatched to order
SP-104124.00 USDTA$36.80Illustrative quoteConfirmingNetwork confirmations pendingNot yet marked paid
SP-104012.00 USDTA$18.40Illustrative quoteNeeds reviewAmount differs from requestReview payment evidence
SP-1042Confirmed

8.15 USDTA$12.50 · illustrative quote

Required confirmations met. Matched to order.

SP-1041Confirming

24.00 USDTA$36.80 · illustrative quote

Network confirmations pending. Not yet marked paid.

SP-1040Needs review

12.00 USDTA$18.40 · illustrative quote

Amount differs from request. Review payment evidence.

Follow the evidenceKeep order references and payment checks together.

Preserve the historyCorrections use reversal entries rather than overwritten records.

Prepare for reconciliationExport formats and accounting integrations depend on your setup.

Illustrative records only. This preview does not read live transactions or connect to accounting software.

Your funds. Your wallet.
A clear record of each step.

Direct to your wallet

You control the funds.

Customers pay your merchant-controlled receiving wallet. StablesPay provides the request, verification workflow and payment record; it does not hold, pool or move merchant funds.

Optional bank payout

Bank payout is a separate step.

Where enabled, you transfer stablecoins directly to an independent settlement partner. That partner pays fiat to your bank account. StablesPay coordinates quotes and records the stages.

On-chain confirmation does not mean a bank payout is complete.

Compare payment models

How does your payment setup compare?

Compare funds control, payment confirmation and reconciliation across three payment models.

Your StablesPay setup at a glance. Expand each row to compare alternatives.

Custodial gateways, traditional cards and StablesPay self-custody
What mattersCustodial gatewaysTraditional CardsStablesPayNon-custodial
Funds & controlProvider-controlled custodyBanks and processors handle clearingYour merchant-controlled receiving wallet
Payment confirmationProvider verification and status rulesAuthorization, followed by clearing and settlementOrder matching and required on-chain confirmations
Refunds & disputesProvider policies and reviewCard-network disputes, chargebacks and refundsEvidence-based refund review and merchant authorization
ReconciliationProvider reports and supported exportsProcessor reports and accounting integrationsOrder-linked records, payment evidence and exports
Bank payoutProvider payout options and schedulesAcquirer and bank payout schedulesA separate, independent settlement partner, where enabled
Funds & controlYour merchant-controlled receiving walletCompare alternatives
Custodial gateways
Provider-controlled custody
Traditional Cards
Banks and processors handle clearing
Payment confirmationOrder matching and required on-chain confirmationsCompare alternatives
Custodial gateways
Provider verification and status rules
Traditional Cards
Authorization, followed by clearing and settlement
Refunds & disputesEvidence-based refund review and merchant authorizationCompare alternatives
Custodial gateways
Provider policies and review
Traditional Cards
Card-network disputes, chargebacks and refunds
ReconciliationOrder-linked records, payment evidence and exportsCompare alternatives
Custodial gateways
Provider reports and supported exports
Traditional Cards
Processor reports and accounting integrations
Bank payoutA separate, independent settlement partner, where enabledCompare alternatives
Custodial gateways
Provider payout options and schedules
Traditional Cards
Acquirer and bank payout schedules

Category-level comparison. Provider terms and supported features vary. On-chain confirmation is separate from bank payout.

Before you start

A few clear answers.

Does StablesPay hold merchant funds?

No. Customers pay a merchant-controlled receiving wallet. StablesPay provides payment requests, on-chain verification and merchant records; it does not hold private keys, custody, pool or move merchant assets.

A customer says they paid. How do I check?

A screenshot or submitted transaction alone does not prove an order is paid. StablesPay checks matching on-chain activity and the required network confirmations before marking the payment confirmed. Pending and mismatched payments still need follow-up.

Does a confirmed payment mean money is in my bank?

No. On-chain confirmation and bank payout are separate events. Where enabled, you transfer stablecoins directly to an independent settlement partner, and that partner pays fiat to your bank. StablesPay coordinates quotes and records each stage.

Can a customer reverse a stablecoin payment?

On-chain payments do not use card-network chargebacks. Returns and payment mistakes still need a refund process, with order and on-chain evidence, review and merchant authorization. Recovery of mistaken payments is not guaranteed.

Which assets, networks and wallets can I use?

Supported assets, networks, checkout methods and export formats are confirmed during onboarding for your approved configuration. Customers need compatible self-custody wallets; centralized exchange withdrawals are not supported. Accounting integrations are confirmed individually.

How can I try StablesPay?

Explore the checkout and payment-record examples on this page. They use demo data and do not move funds. Submit a pilot access request to tell us about your business; availability and supported configurations are confirmed during review.

Australia pilot

Ready to accept payments
to your own wallet?

Tell us about your business and intended payment flow. We will confirm pilot availability, supported networks and the next review step.

Request Pilot Access

Merchant-controlled wallets · Application review before workspace access