Swtch Pay
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How it works

Three steps. No cards, no bank logins, no waiting.

Your shopper pays from an app already on their phone. You get USDC the moment the transfer lands.

1

Shopper picks an app

At checkout they choose Cash App, Venmo, PayPal, Coinbase, Robinhood or any wallet. They see your order total, with nothing added.

  • Hosted checkout page or the WooCommerce payment method
  • Only the apps you enable are shown
  • Works on any phone, no account with us required
2

Sends USDC or PYUSD

They send the exact total to a one-time address. A QR code, a copy button and step-by-step instructions for the app they picked guide them through it.

  • The page names the network to use, so nothing goes astray
  • The page watches the network live and updates by itself
  • Wallet payers scan and send, no extra steps
3

You get paid

The moment the transfer confirms, the page flips to "Funds received", the order is marked paid, and USDC is credited to your account. It is paid out to your wallet once a day.

  • Typically under a minute
  • Your store is notified by webhook and the order status updates
  • Nothing to reconcile, nothing to dispute

What the shopper does, app by app

Verbs first, plain English. This is the same guidance they see on the payment page.

Cash App

USDC on balance

Open Cash App, choose USDC, tap Send, then paste the address and the exact amount from the checkout page.

Venmo

PYUSD

Open Venmo, tap the Crypto tab, pick PYUSD, tap Send, then paste the address and the exact amount.

PayPal

PYUSD balance

Open PayPal, go to Crypto, pick PYUSD, tap Send, then paste the address and the exact amount.

Coinbase

USDC transfer

Open Coinbase, tap Send, choose USDC, then paste the address and the exact amount.

Robinhood

USDC transfer

Open Robinhood, go to Crypto, choose USDC, tap Send, then paste the address and the exact amount.

Bitcoin

Coming soon

Shoppers will scan the QR code from any Bitcoin wallet and send the exact amount shown.

Any wallet

MetaMask, Phantom, Exodus, Rainbow, WalletConnect

Scan the QR code or tap Connect wallet, then approve the transfer for the exact amount.

App names belong to their owners. Swtch Pay is not affiliated with or endorsed by any of them.

What the merchant gets

The part that matters: money in, on your terms.

USDC to your wallet

A dollar-backed stablecoin, delivered to the wallet you connect.

Fast

Credited the moment the transfer confirms, paid out daily. Not days later.

No chargebacks

Transfers are final. Refunds are your call, never forced.

No reserves

We never hold back a percentage of your sales.

No holds

No 90-day holds, no surprise account freezes.

Ready to get paid?

Most applications are reviewed within one business day.

Apply now