Card or crypto in · USDC out · Non-custodial

Customers pay by card or crypto.
You keep your money.

One checkout, two ways to pay. Card, Apple Pay, Google Pay, or any crypto wallet — every payment settles instantly as USDC into a wallet only you control. No middleman ever holds your funds. Add it to any site in two lines.

✓ No setup fees✓ You hold the keys✓ From 0.5% per transaction✓ Settles in seconds
✓ Confirmed in 3s
Acme Store Order #1234
$49.99
Choose how to pay
💳CardVisa · Apple Pay · Google Pay
◎Crypto walletUSDC · gasless
Either way, you settle in USDC
Merchant gets 99.5% in USDC
Built on Polygon · USDC · EIP-3009 gasless · x402 · MCP
Why PayWicket

Stripe-simple. Self-custody-safe.

A normal checkout for your customers. Stablecoin settlement you control. No middleman holding anyone's funds.

💳

Card or crypto in, USDC out

Customers pay with a card, Apple Pay, Google Pay, or any crypto wallet. Every payment settles to you in USDC, no matter how they paid.

🔑

You own the wallet

Non-custodial by default. Funds settle directly to a wallet only you control. We never hold your money.

⚡

Gasless for wallet users

Crypto customers pay USDC with zero gas — they just sign, we cover the network fee. Card customers never see crypto at all.

↩️

Refunds built in

Return funds to a customer in one click. Card risk stays with the licensed provider; settled crypto is final for you.

🧩

Drop-in checkout

Add it to any site in two lines. Hosted payment links, embeddable checkout, and a WooCommerce plugin.

📊

Real dashboard

Live balances, transactions, volume and revenue analytics, multi-wallet, multi-site — all in one place.

🛡️

Secure by design

Passkey-ready MFA, scoped API keys, signed webhooks, on-chain fee enforcement, admin controls.

🤖

Agent-native

AI agents can pay you over HTTP with x402 and manage payments through MCP — the same rails, no humans required.

0.5%
Crypto-wallet payments
~3s
Settlement time
$0
Setup / monthly fees
100%
Non-custodial
How it works

Live in minutes

Create an account

Sign up, turn on MFA, and connect a payout wallet you control.

Add the checkout

Paste the snippet, install the WooCommerce plugin, or let an AI agent wire it up over MCP.

Customers pay, their way

Card, Apple Pay, Google Pay, or a crypto wallet. Either way it settles as USDC straight to your wallet, minus our small fee.

Manage & cash out

Track every transaction, refund in a click, and off-ramp to your bank.

Pricing

Honest pricing, priced by how your customer pays

No monthly fees. No setup fees. You pay the fee, your customer pays the list price. Every payment settles to you in USDC.

Crypto wallet
0.5%
per transaction · $0.05 minimum · settled on-chain

Your customer pays USDC from their wallet, gasless. There's no card network in the middle, so almost nothing to pass on.

Card · Apple Pay · Google Pay
5.9% + $1.50
per transaction · merchant pays · no chargeback risk to you

Covers licensed card processing, identity verification and fraud liability carried by our payment partner, then converts to USDC for you.

  • Non-custodial wallets included
  • Unlimited wallets & sites
  • Drop-in checkout, payment links & QR
  • Refunds built in
  • Agent payments via x402 + MCP
  • Webhooks, analytics & CSV export
Start free →
Agent-native

Payments for AI agents, not just people

PayWicket speaks x402 and MCP: an agent can pay your endpoint in a single round trip — no API keys, no accounts — and even create wallets and configure payments for you.

// An agent pays a PayWicket-protected endpoint (x402)
const res = await fetch("https://api.paywicket.com/insights");
// → 402 Payment Required · agent signs a USDC authorization · retries
// → 200 OK + data. One round trip. Done.
FAQ

Good questions

Is it really non-custodial?

Yes. Payments settle directly to a wallet you control — we never hold your funds. You connect your own payout address (MetaMask, Coinbase, hardware wallet), and money goes straight there minus our fee, on-chain.

Do my customers need crypto experience or a wallet?

No. They can pay with a card, Apple Pay, or Google Pay through our licensed payment partner and never see crypto at all. Customers who already hold USDC can pay from their wallet gaslessly — they just sign; we cover the network fee.

What about chargebacks?

Card payments run through a licensed provider that acts as merchant of record and carries the card and chargeback risk. Once funds settle to you as USDC they are final. Refunds are always in your hands, one click.

What does it cost?

It depends on how your customer pays. Crypto-wallet payments are 0.5% per transaction with a small minimum. Card, Apple Pay and Google Pay payments are 5.9% + $1.50 per transaction, which covers licensed card processing, identity verification and the fraud liability our partner carries. You pay the fee; your customer always pays the list price. No monthly or setup fees either way.

Can I add it to my existing store?

Yes — a two-line drop-in works on any site, plus a WooCommerce "Pay with crypto" plugin, hosted payment links, and QR codes.

Which network and token?

USDC on Polygon today (fast, sub-cent gas). Multi-chain and more assets are on the roadmap.

Take card and crypto payments today

Create an account, connect a wallet you control, and take your first card or crypto payment in minutes.

Get started free →