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.

Start free → See how it works

No setup feesYou hold the keysFrom 0.5% per transactionSettles in seconds

Built on Polygon · USDC · EIP-3009 gasless · x402 · MCP

How it works

Three steps. No crypto homework.

You open a wicket. Your customers pay the way they already do. The money arrives as USDC in a wallet you control.

Open your wicket

Create an account, turn on MFA, connect a payout wallet you control, and paste two lines into your site, or install the WooCommerce plugin.

Customers pay their way

Card, Apple Pay, Google Pay, or a crypto wallet. They see a normal checkout and the list price. Card and identity checks are handled by our licensed partner.

You receive USDC. Instantly.

Every payment settles on-chain to your wallet in seconds, minus a small fee. Track it, refund in a click, or cash out to your bank whenever you like.

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

MFA, scoped API keys, signed webhooks, on-chain fee enforcement, and 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

Setup / monthly fees

100%

Non-custodial

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% + $1.80

per transaction · 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, with no API keys and 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

Wick has answers. If yours isn't here, chat with Wick, call +1 (978) 574-7641, or write to support@paywicket.com.

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% + $1.80 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 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.

Open your wicket today

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

Get started free → Read the docs