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Accept USDC payments without KYC

Regulated-glow stablecoin on EVM rails

USDC is the stablecoin of choice when your customers care about issuer transparency — agencies, EU-facing businesses and corporate buyers often ask for it specifically. ZeroKYC Pay supports USDC natively on two EVM networks: Polygon for low fees and Arbitrum for Ethereum-grade security at cents.

On the direct plan, EVM assets connect through your xPub: every invoice derives a fresh address from your own key hierarchy, so the platform holds nothing but a public key. Payments are watched via websocket logs with a polling fallback.

Networks & confirmations

NetworkAssetConfirmationsTime
PolygonUSDC50~2–3 min
ArbitrumUSDC40~2–3 min
PolygonUSDT50~2–3 min

Addressing modes

Transit

ZeroKYC Pay issues payment details from its own pool and auto-sweeps to your payout address after confirmations. 1% + network fee.

Direct (non-custodial)

Payments go straight to your wallet: xPub (BIP44, m/44'/60'/0'/0/i) — paste your xPub once; each invoice gets a derived address matched by address. Your private keys stay wherever you keep them.

Create an invoice for USDC

curl -X POST https://api.zerokyc-payments.com/v1/invoices \
  -H "Authorization: Bearer pk_test_..." \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: order-1042" \
  -d '{
    "amount": 49.00,
    "base_currency": "USD",
    "payment_currency": "USDC_POLYGON",
    "order_id": "order-1042"
  }'

Replace the API key with your pk_test key from the console. Full flow in the quickstart.

USDC payment FAQ

Why does USDC need 40–50 confirmations?

Polygon and Arbitrum blocks are produced every ~2 seconds, so 40–50 blocks still means roughly two to three minutes. The depth protects against short reorgs before we mark a payment confirmed.

What is an xPub and is it safe to share?

An xPub is your extended public key: it lets the platform derive addresses for you but cannot spend anything. Sharing it reveals your address history to us and nothing more — for most merchants that trade-off is exactly what non-custodial means in practice.

Does USDC on Arbitrum settle differently than on Polygon?

For the buyer both are plain EVM transfers of the same USDC contract family. For you the difference is confirmations (40 vs 50) and typical gas. Enable both and let payment_currency=any pick per invoice.

Can I accept both USDC and USDT at once?

Yes. Enable both assets on your checkout; a single invoice with payment_currency=any lists every option, and the first valid payment confirms the invoice while the rest close automatically.

Start accepting USDC today

Create an account, paste your payout address or connect a wallet, and generate your first USDC invoice in minutes. Want to accept USDC plus everything else? Set payment_currency=any and let the buyer choose the coin at checkout.

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