Supported Tokens
DirectCryptoPay supports native tokens and major stablecoins across all supported chains. Your customers can pay with whichever token they hold.
Token Overview
Stablecoins
Stablecoins are the most popular payment tokens because their value is pegged to USD, eliminating price volatility for both merchant and customer.
| Token | Full Name | Peg | Chains |
|---|---|---|---|
| USDC | USD Coin | $1.00 | Ethereum, Polygon, BNB Chain |
| USDT | Tether | $1.00 | Ethereum, Polygon, BNB Chain |
| DAI | Dai | $1.00 | Ethereum, Polygon |
Native Tokens
Native tokens are the base currency of each chain, used for gas fees and as a payment option.
| Token | Chain | Price |
|---|---|---|
| ETH | Ethereum | Variable (market price) |
| POL | Polygon | Variable (market price) |
| BNB | BNB Chain | Variable (market price) |
Price Conversion: When a customer pays with a volatile token like ETH, DCP converts the USD amount to the equivalent token amount at the current market rate using real-time price feeds (CoinGecko). The widget displays the exact token amount before the customer signs the transaction.
Ethereum Mainnet
| Token | Contract Address | Decimals |
|---|---|---|
| ETH | Native (no contract) | 18 |
| USDC | 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 |
6 |
| USDT | 0xdAC17F958D2ee523a2206206994597C13D831ec7 |
6 |
| DAI | 0x6B175474E89094C44Da98b954EedeAC495271d0F |
18 |
Polygon
| Token | Contract Address | Decimals |
|---|---|---|
| POL | Native (no contract) | 18 |
| USDC | 0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359 |
6 |
| USDT | 0xc2132D05D31c914a87C6611C10748AEb04B58e8F |
6 |
BNB Chain
| Token | Contract Address | Decimals |
|---|---|---|
| BNB | Native (no contract) | 18 |
| USDC | 0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d |
18 |
| USDT | 0x55d398326f99059fF775485246999027B3197955 |
18 |
Stablecoins vs Native Tokens
| Stablecoins (USDC/USDT) | Native Tokens (ETH/BNB) | |
|---|---|---|
| Price Stability | Pegged to $1.00 | Volatile |
| Merchant Risk | None (value is fixed) | Price can change between payment and cash-out |
| Customer Experience | Pay exact USD amount | USD amount converted at current rate |
| Gas Fees | Token transfer (slightly higher gas) | Native transfer (lowest gas) |
Recommendation: For most merchants, accepting USDC on Polygon provides the best combination of stable value, low gas fees, and wide availability.
For testing, use these faucets to get testnet tokens:
| Token | Network | Faucet |
|---|---|---|
| Sepolia ETH | Sepolia | sepoliafaucet.com |
| Sepolia USDC | Sepolia | faucet.circle.com |
You need testnet ETH for gas. Even when paying with test USDC, the transaction requires a small amount of Sepolia ETH for gas fees. Get Sepolia ETH first.