Accept USDC on Arbitrum payments without KYC
Ethereum-grade settlement at L2 prices
Arbitrum brings Ethereum's security model to L2 prices: USDC transfers settle for cents with the ecosystem depth of the Arbitrum rollup. It suits buyers who keep funds in the Arbitrum DeFi orbit and want mainnet-adjacent settlement without mainnet gas.
Addressing matches every other EVM asset: one static 0x address from any wallet, unique amount windows for concurrent invoices, ERC-20 Transfer detection with a 40-confirmation budget (~2–3 minutes).
Networks & confirmations
| Network | Asset | Confirmations | Time |
|---|---|---|---|
| Arbitrum | USDC | 40 | ~2–3 min |
Addressing modes
Direct (non-custodial)
Payments go straight to your wallet: static address + unique amounts — one EVM address receives the transfers; amount windows disambiguate concurrent invoices. Any wallet showing a standard EVM address works.
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_ARBITRUM",
"order_id": "order-1042"
}'Replace the API key with your pk_test key from the console. Full flow in the quickstart.
USDC on Arbitrum payment FAQ
Arbitrum vs Polygon for USDC?
Both confirm in two to three minutes at cents-level fees. Arbitrum leans on Ethereum's rollup security and DeFi depth; Polygon often undercuts on the smallest transfers. Enabling both costs nothing.
Why 40 confirmations here and 50 on Polygon?
Different reorg profiles: Arbitrum's rollup finality settles deeper sooner, so 40 blocks give the same safety margin that 50 give on Polygon. Both land in roughly the same two-to-three-minute window.
Which USDC contract is used?
The native USDC contract on Arbitrum One (0xaf88d0…5831). Transfers from any standard ERC-20 wallet or exchange are detected.
Does the same address serve other Arbitrum tokens?
Yes — one 0x address receives everything you enable on Arbitrum. Connect it once; the invoice amount matching keeps the rails apart.
Start accepting USDC on Arbitrum 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.