19.05.2025
How to Accept Crypto Payments in Your Mobile App
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Accepting cryptocurrency as payment is no longer just for crypto startups. More and more businesses are adopting stablecoins like USDT or DAI as an alternative to traditional banking and card payments. They're fast, borderless, and—unlike Bitcoin or Ethereum—stable.
But which stablecoin is the best for your business? And how do you accept stablecoins without struggling with blockchain fees, wallet setup, or crypto volatility? In this article, we break down the 7 most trusted stablecoins and show you how to start accepting them with CryptumPay—a business-ready crypto payment gateway.
Stablecoins are cryptocurrencies pegged to a stable asset like the US dollar or euro. Unlike Bitcoin, their price doesn’t fluctuate wildly. This makes them ideal for business transactions, where price stability is essential.
Instead of worrying about losing value after a transaction, businesses can accept a stablecoin and retain its dollar-equivalent purchasing power.
USDT is the most widely used stablecoin globally. It's available on multiple blockchains including TRON (TRC-20), Ethereum (ERC-20), and BNB Chain.
Transaction fees: TRON (TRC-20) transactions cost as little as $0.001. Ethereum fees can be several dollars depending on network congestion.
With CryptumPay, businesses can accept USDT even if the user has no TRX for fees—it's automatically handled.
Issued by Circle and backed by regulated reserves, USDC is known for its transparency and compliance. It's popular among U.S.-based and enterprise clients.
Transaction fees: Comparable to USDT in TRON and BNB Chain. Ethereum remains more costly.
USDC is a solid choice for businesses prioritizing regulatory clarity and audited reserves.
DAI is a decentralized stablecoin backed by crypto collateral. It’s governed by MakerDAO and remains pegged to $1 through the smart contracts control.
Transaction fees: Commonly runs on Ethereum, but is also available in low-fee networks like Polygon and Arbitrum.
DAI is a go-to for DeFi-savvy customers and platforms that value decentralization.
BUSD was issued by Binance in partnership with Paxos and became a staple in the Binance ecosystem. Though its issuance has slowed due to regulatory reasons, it still sees heavy usage in Asia.
Transaction fees: Extremely low on BNB Chain—less than $0.01 per transaction.
BUSD is ideal for businesses already active in the Binance network.
TUSD is a fully-backed and audited stablecoin with a strong reputation in global trading.
Transaction fees: Available on Ethereum and BNB Chain; the latter is more fee-efficient.
A great choice for international businesses looking for transparency and liquidity.
EURS is the leading euro-backed stablecoin issued by STASIS. It makes receiving payments from European customers frictionless. Applicable for working with European customers, especially for e-commerce and SaaS settlements.
Transaction fees: Primarily issued on Ethereum, which can incur high costs, but may be optimized via conversion through platforms like CryptumPay.
Perfect for businesses operating in or targeting the EU market.
PayPal’s new stablecoin, issued by Paxos, aims to bridge Web2 and Web3 finance.
Transaction fees: Currently limited to Ethereum, so fees vary but are often high. Expansion to other chains is expected.
PYUSD is still early-stage but signals future mainstream adoption.
To choose the optimal token, answer the following questions:
CryptumPay helps you simplify these decisions by offering support for top-tier stablecoins, handling network fees, and allowing seamless integration.
With CryptumPay, you don’t need native tokens like ETH, TRX, or BNB to cover fees. They're automatically provided during the transaction process.
1. Only accepting Ethereum-based tokens
ETH gas fees can exceed $10 per transaction, making microtransactions unviable. Use TRON or BNB Chain for lower-cost options.
2. Not including transaction fees in the invoice
If the user has to calculate fees themselves, payments often fail. CryptumPay automatically adds fees to the total.
3. No auto-conversion to USDT
Managing multiple tokens manually can lead to accounting and liquidity issues. CryptumPay offers built-in conversion to USDT.
4. Ignoring user convenience
Long, confusing payment flows lower your conversion rate. CryptumPay enables one-click payments with biometric confirmation.
CryptumPay is a business-focused crypto processing solution. Features include:
Stablecoins are crypto assets pegged to fiat currencies like USD or EUR. They offer price stability, making them ideal for business transactions.
The most popular and reliable options are USDT, USDC, and DAI. They’re liquid, trusted, and supported across multiple blockchains.
Use a crypto payment gateway like CryptumPay. It handles fees, wallet logic, and lets you go live quickly.
Stablecoins are the key to accepting crypto payments without the risk. They're fast, cost-effective, and globally accessible. But choosing the right coin and the right payment infrastructure is what makes the real difference.
With CryptumPay, you can start accepting USDT, USDC, DAI, and more—without worrying about fees, wallets, or volatility.
Let your customers pay the modern way. Try CryptumPay today and simplify crypto for your business.
Create an account and connect the checkout yourself, or talk to sales and we will plan the integration with you.
Contact us and we will plan the integration.
