✦ Crypto payment gateway
Accept stablecoin payments at 0.1%
Start accepting USDT, USDC, PYUSD, and other stablecoins across Ethereum, Solana, Tron, and every other major chain, with instant settlement and fiat conversion.
0.1% fee
per transaction
Turn Stablecoins Into Fiat
Accept stablecoins. Get paid in fiat. Only 0.1% fee.
Payouts
In seconds
Supported tokens
USDT, USDC, PYUSD, and more
Accept Payments Online in 3 Easy Steps
1. Create Your Zenobank Account
Create your free account at dashboard.zenobank.io
2. Install a plugin, or integrate directly with our API
Connect through a plugin for WooCommerce, Shopify, and other platforms, or integrate directly using our SDKs and API.
3. Get Your API Key
In the dashboard, go to Developer and copy your API key. Paste it into the plugin setting or use it via the API.
Why merchants choose Zeno Bank for stablecoin payments
Fast, low-cost stablecoin payments with global reach
What you get with Zeno stablecoin payments
Why stablecoins?
Bitcoin and Ethereum have their place, but stablecoins are built for checkout. They provide the familiar feel of USD payments with the revolutionary power of blockchain.
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Built for Checkout Optimized for daily commerce. Get instant settlement and eliminate the risk of chargebacks entirely.
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1:1 Pegged to USD Assets like USDT, USDC, and PYUSD track the US dollar exactly, ensuring price stability for you and your customers.
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Borderless & Efficient Leverage global liquidity and settle transactions at a fraction of the cost of traditional card networks.
Your customers are already holding and spending stablecoins, which is why stablecoin checkout is one of the fastest-growing payment rails in commerce.
$312B
Stablecoin market cap cleared in 2026
$4T
Transaction volume in H1 2025
83%
Year-on-year growth in payment volume
93%
Market dominance by USDT and USDC
Supported stablecoins and blockchains
Every supported token settles at 0.1% per transaction, with the same flat fee regardless of chain or stablecoin. Binance Pay is also available.
Who uses Zeno for stablecoin payments
How our fees compare
| Payment method | Fee per transaction | Monthly cost | Settlement time |
|---|---|---|---|
| Zeno stablecoin payments | 0.1% | None | Seconds, on-chain |
| Typical crypto payment gateway | 0.4% to 1.5% | Varies | Seconds, on-chain |
| Credit and debit card processors | 1.5% to 10% | Varies | 2 to 5 business days |
| Cross-border card payments | 3.5% or more | Varies | 3 to 7 business days |
Pricing
Transparent Fees
"Is it too good to be true?" — Let's talk about the "catch."
Let’s be honest: We are cheap, but we aren’t low quality. This gateway isn’t our primary business model. We are building a full-scale Crypto Bank, and this tool is our “Welcome Card” to you.
FAQs
Everything you need to know before getting started
A stablecoin payment gateway lets businesses accept stablecoins like USDT and USDC as payment, with funds settling directly to the merchant's wallet or custody account. Zeno's stablecoin payment gateway handles this across every major blockchain at 0.1% per transaction, with instant on-chain settlement and email-only signup for merchants.
Zeno supports every major stablecoin, including USDT, USDC, PYUSD, and DAI, across Ethereum, Solana, Tron, BSC, Arbitrum, Base, and Polygon. Your customers pick the stablecoin and chain that works best for them, and your dashboard aggregates everything in one place.
Fiat-backed stablecoins like USDC and PYUSD maintain a 1:1 peg with the US dollar through reserves held in cash and short-term US treasuries. USDT operates under a similar reserve model. The peg holds tightly during normal market conditions, which is why over 98% of Binance Pay B2C volume now settles in stablecoins.
Yes, in stablecoin terms. If your customer pays 100 USDC, you receive 99.90 USDC after our 0.1% fee, which is worth $99.90 at the peg. The amount your customer pays and the amount you receive are tied together by the on-chain transaction record, so your accounting stays clean.
Stablecoins keep the blockchain benefits (instant settlement, zero chargebacks, low fees, global reach) while holding a steady USD-denominated value. For most online businesses, stablecoins are the right default for checkout, with BTC and ETH available as options for customers who prefer them.
Not really. Most users pay straight from a fintech app like Binance or a neobank that already handles stablecoins. Traditional crypto wallets are also supported.
Zeno settles in stablecoins by default, which most merchants prefer for speed and cost reasons. If you need fiat, you can send the stablecoins to any exchange or off-ramp service to convert on your own schedule and terms.
Most stablecoin payments settle in under a minute. USDT and USDC on Tron confirm in around 3 to 5 seconds, on Solana in around 2 seconds, and on Ethereum Layer 2s like Base and Arbitrum in under a minute. Your dashboard marks the order as paid the moment the transaction confirms on-chain.
Accept your first stablecoin payment today
Create your Zeno account with your email, choose your wallet setup, and have stablecoin payments live on your site within minutes of signing up.
Team
Hugo Pino —
founder of the zenobank
The only time I leave my house is to go to the gym
Built a decentralized exchange that reached $27M in deposits.
I got a UAE Golden Visa for my work in Web3
