Shopify does not natively settle in stablecoins. Merchants enable stablecoin checkout through three routes: a third-party crypto app from the Shopify App Store (Coinbase Commerce, BitPay, Crossmint), a Shopify Payments compatible gateway with crypto rails, or a Custom Payment Method connected to a stablecoin processor's API. This guide walks through each path, supported chains and coins, fees, settlement currency, and KYC.
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Accepting stablecoins on Shopify means giving buyers a checkout option to pay with USDC, USDT, PYUSD, or DAI from a self-custody wallet. The merchant either receives the stablecoin directly or has the processor auto-convert to USD before payout. Shopify's own checkout never holds crypto; the integration runs through an external app.
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Per DeFiLlama, USDT supply sits at $189.5B and USDC at $78.1B as of May 2026, the two coins every Shopify-compatible processor supports. PayPal's PYUSD ($3.4B supply) and DAI ($4.6B) round out the typical accepted list. These figures matter because processors only support the chains where the stablecoin has real liquidity, which constrains which networks (Ethereum, Base, Polygon, Solana, Tron) appear at checkout.
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Five mainstream paths exist in 2026: Coinbase Commerce, BitPay, Crossmint, Solana Pay through a third-party app, and a Custom Payment Method wired to your own processor. Each handles supported coins, settlement, and KYC differently. The right pick depends on whether you want USD payout, hold-stablecoin settlement, or a non-custodial flow.

Coinbase Commerce and BitPay are the two most-installed crypto apps on the Shopify App Store. Coinbase publishes the 1% crypto-transaction fee in its merchant docs, and BitPay publishes a volume-tiered rate on its pricing page (2% + $0.25 under $500K/mo, 1.5% + $0.25 from $500K to $999K/mo, 1% + $0.25 above $1M/mo). Crossmint pricing is not flat-rate and varies by volume, so confirm in writing before launch.
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Coinbase Commerce is the most common path because the app installs directly from Shopify's App Store, settlement currency (crypto vs USD) is a toggle, and the 1% fee is straightforward. Setup runs roughly 20 minutes assuming you already hold a Coinbase Commerce account. Below is the verified flow from Shopify's third-party payment provider docs and the Coinbase Commerce documentation.

The same flow applies to BitPay with two changes: the BitPay app is installed instead of Coinbase Commerce, and BitPay supports fiat payout in USD, EUR, and GBP via bank wire or settlement to a hold-crypto wallet.
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Yes. Coinbase Commerce, BitPay, and Crossmint all let merchants hold incoming stablecoins instead of converting. In Coinbase Commerce, the toggle sits under Settings then Payouts. BitPay calls the same setting "Settlement Settings" and lets you split: convert a percentage to USD and hold the rest as USDC or USDT. This is the path treasuries pick when they want onchain working capital.
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Holding stablecoins removes FX timing risk on conversion but creates an accounting line item. Stablecoins on the balance sheet count as a digital asset under FASB ASU 2023-08, which mandates fair-value measurement at each reporting date. For most US merchants the practical effect is small (USDC and USDT track $1) but auditors expect the accounting policy to be documented.
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Solana Pay is a non-custodial protocol where buyers scan a QR code, confirm in their wallet, and the USDC moves direct-to-merchant on Solana with sub-cent network fees and roughly one-second finality. Shopify does not have a first-party Solana Pay app, so merchants integrate via third-party apps such as Helio or Crossmint, or via a Custom Payment Method connected to a Solana Pay backend.
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The appeal: the merchant fee can drop below 1% because there is no card network or processor margin on top of the network fee. The drawback: settlement is direct-to-wallet, so the merchant takes on key management and there is no built-in fiat off-ramp. Most stores route Solana Pay only to a subset of crypto-native customers and keep Coinbase Commerce or BitPay as the main option.
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Shopify Plus merchants can configure a Custom Payment Method (formerly called "manual payment") that points at any HTTPS endpoint capable of returning a paid status. This is the route stores take when they want to use a stablecoin processor not on the App Store, including direct integrations with payment APIs like Bridge, BVNK, or a custom non-custodial flow.
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The tradeoff is engineering work: you implement the callback handlers, reconcile webhooks against Shopify orders, and handle refunds yourself. Stores that go this route usually have crypto-native engineering capacity and a clear reason to skip the App Store apps, such as needing a chain or coin those apps don't support.
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Coinbase Commerce charges 1% flat on the crypto transaction. BitPay charges a volume-tiered rate: 2% + $0.25 below $500K/mo, 1.5% + $0.25 from $500K to $999K/mo, and 1% + $0.25 above $1M/mo. Both schedules are published. Crossmint pricing is volume-tiered and not published as a single number, so request a quote before you commit. Custom Payment Method routes pass through whatever your underlying processor charges; market rates land in the 0.5%-1.5% range as of 2026.
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KYC differs by settlement choice. Pure crypto-out flows (stablecoin in, stablecoin in your wallet) generally require email verification only. USD payout flows trigger full business KYB on every gateway: EIN or equivalent, bank account, beneficial owner ID. Plan for a 2-5 business day onboarding window if you want USD settlement from day one.
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For US merchants, stablecoin payments are still taxable revenue in USD at the time of receipt. The IRS treats crypto as property, so even a USDC payment that auto-converts to USD has a brief property-disposition event the processor handles on your behalf. Hold-stablecoin settlement creates a digital-asset balance that must be marked to fair value under FASB ASU 2023-08 (effective for fiscal years beginning after December 15, 2024).
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Most Shopify merchants pick auto-convert-to-USD specifically to keep the books simple: cash in, cash out, no digital-asset line. Treasuries that want USDC working capital choose hold-stablecoin and accept the accounting overhead.
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Stablecoin payments are not a drop-in replacement for cards. Three things to know before you turn on the toggle:

The merchants who get the most value out of stablecoin checkout typically sell internationally (where card decline rates are high), sell to crypto-native customers, or want lower processing fees on high-AOV transactions where 1% beats Visa's 2-3% bundled rate.
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Fee figures and supported coins were verified against the Shopify Help Center "Payment providers" docs, Coinbase Commerce merchant documentation at commerce.coinbase.com, BitPay's merchant pricing page, and Crossmint's developer docs. Stablecoin supply figures are from DeFiLlama as of May 2026. Accounting references are from FASB ASU 2023-08. This guide does not include numbers we could not verify against an official source.
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