Stablecoin Payment Gateway
Stablecoin-only payment gateways — dollar-denominated checkout, low fees, fast settlement and simple merchant UX.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Division
Service area
Web3 & Crypto Payments
Engagement
Project · Team · Managed
Overview
Stablecoin gateways remove volatility from crypto payments: prices and settlement are in dollar (or other currency) terms, and customers pay from wallets or exchange accounts. We build stablecoin gateways with multi-network support, gas-efficient payment detection, fast settlement to merchants and fiat conversion via partners.
Common use cases
- Dollar checkoutStablecoin payments for online merchants.
- B2B stablecoin invoicesBusiness payments in stablecoins.
- Emerging market acceptanceDollar payments where cards are limited.
- Digital servicesPayments for SaaS and digital goods.
Faster route to launch
Start from our white-label stablecoin payments.
Most stablecoin payment gateway projects don't need to begin from zero. Shivacha Stablecoin Payments provides a production-ready foundation that we customise to your brand, workflows and integrations — or we engineer a fully custom platform where your requirements demand it.
Typical implementation
3–5 weeks
White-label implementation
Customization
Highly customizable
Brand, workflows and integrations
- White-label
- Ready to launch
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Quick answers
Stablecoin Payment Gateway at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is stablecoin payment gateway?
- Stablecoin-only payment gateways — dollar-denominated checkout, low fees, fast settlement and simple merchant UX.
- Who is it for?
- Typically Web3 startups, fintechs adding digital assets, and institutions exploring tokenization, stablecoins or on-chain settlement.
- What does Shivacha provide?
- Multi-network stablecoins
- Currency pricing
- Detection
- Settlement
- Merchant tools
- Compliance hooks
- Which technologies are used?
- ERC-20, Ethereum, TRON, Solana, Node.js, Go (Golang) — chosen to fit your stack and constraints.
- How does the process work?
- Merchant & market scope → Payment engine → Ramps & settlement → Merchant experience → Risk & launch.
- What affects the cost?
- Contract complexity and number of chains
- Custody and wallet model
- Independent audit scope
- Indexing, analytics and back-office tooling
- Compliance integrations (KYC, AML, Travel Rule)
- Upgradeability and governance requirements
- How long does it take?
- A focused contract system or dApp MVP typically takes 8–14 weeks plus independent audit time; institutional platforms usually take 4–9 months.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Multi-network stablecoins
Supported networks per stablecoin.
Currency pricing
Invoices in fiat terms.
Detection
Efficient confirmation tracking.
Settlement
Stablecoin or fiat payouts.
Merchant tools
Dashboard, API and webhooks.
Compliance hooks
Screening integration.
Architecture
Engineered right from day one
The layers we typically design for Web3 & crypto payments, adapted to your stack and partners.
- Payment finalityConfirmation thresholds tuned per network and amount.
- VolatilityInstant conversion or stablecoin pricing to protect merchants from price moves.
- Exception handlingUnder-payments, late payments and wrong-network deposits resolved cleanly.
- Partner-led rampsFiat conversion via licensed on/off-ramp providers.
Delivery
How an engagement runs
- 1
Merchant & market scope
Target merchants, assets, networks and settlement preferences.
- 2
Payment engine
Payment lifecycle, confirmations, expiry and exception handling.
- 3
Ramps & settlement
On/off-ramp and liquidity partner integrations.
- 4
Merchant experience
Dashboard, plugins, webhooks and reporting.
- 5
Risk & launch
Screening integration, testing and staged merchant onboarding.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Specification first
Roles, invariants and threat model documented before code.
Adversarial testing
Fuzz, invariant and fork tests plus static analysis on every change.
Key management
Admin keys in multisig or MPC with timelocks on sensitive actions.
Independent audit
Code prepared for — and we recommend — an external audit before mainnet value.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Stablecoin Payments
Dollar-denominated payments, payouts and settlement on stablecoin rails.
Learn moreShivacha Crypto Payments
Accept and send digital assets with the operational comfort of card payments.
Learn moreShivacha Hybrid Payments
Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.
Learn moreRelated services
Often combined with
Web3 Payment Development
Web3 payment systems — wallet payments, stablecoin checkout, subscriptions and on-chain invoicing for digital businesses.
Learn moreCrypto Payment Gateway Development
Crypto payment gateways for merchants — hosted checkout, multi-asset support, auto-conversion and settlement.
Learn moreCrypto Merchant Payments
End-to-end crypto payment solutions for merchants — online, in-store and invoicing with reconciliation and reporting.
Learn moreDedicated team
Payments Engineering Team
Specialists in gateways, processing, orchestration, settlement and payouts.
Work & insights
Related thinking
Stablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreTokenized fund units with on-chain eligibility
How we structure a fund tokenization platform where only eligible investors can hold or receive units.
Learn moreHow much does blockchain development cost? The factors that actually drive the estimate
Blockchain budgets are driven by contract complexity, custody, audits, chains and the off-chain system around them. Here is how to scope each one before asking for a quote.
Learn moreFAQ
Frequently asked questions
Which networks are cheapest for stablecoin payments?
Fees vary; L2 networks and certain L1s offer low fees. We route based on customer preference and cost.
Can customers pay from exchange accounts?
Yes, by sending to the payment address; network selection guidance prevents errors.
Can merchants receive fiat instead of crypto?
Yes, through integration with licensed conversion and off-ramp partners, subject to their coverage and requirements.
Which e-commerce platforms can you integrate?
We build plugins and integrations for major commerce platforms and custom checkouts through APIs and SDKs.
Next step
Discuss Your Blockchain Project.
Tell us about your stablecoin payment gateway requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.