Discover the top platforms with stablecoin payments. Learn how Shopify, Stripe, Visa, PayPal and more drive adoption.
Author: Chirag Sharma
Stablecoins have crossed the point of no return. In 2025 they are not a trend, not an experiment, and not a crypto-only tool anymore. They are now one of the dominant forces in global payments. With more than 308 billion dollars in total stablecoin supply and over 9 trillion dollars settled on-chain in the last twelve months, stablecoins are reshaping online commerce, remittances, payroll, and cross-border settlements at a pace traditional networks simply cannot match. We are on the rise in adoption with platforms accepting stablecoin payments
For millions of users across Africa, Latin America, Eastern Europe, and Southeast Asia, stablecoins are already the preferred form of digital money. They protect savings from inflation, eliminate expensive intermediaries, and settle instantly at a fraction of the cost. In the United States, clarity from the GENIUS Act has opened the door for licensed stablecoin payment systems, pushing financial giants into adoption. Europe with MiCA provides structured rules for e-money tokens. In Asia, merchants accept USDC and USDT directly without friction.
This surge has created a global infrastructure layer where stablecoin payments quietly power online shopping, travel, entertainment, remittances, payroll, and B2B commerce. What was once a niche use case for crypto enthusiasts is now a mainstream financial tool used by hundreds of millions of people.
To understand the scale of this shift, we highlight the Top Stablecoin Payment Platforms, covering the ten largest companies that turned digital dollars into real-world spending power. These platforms have the biggest merchant reach, highest stablecoin volumes, or most strategic importance in building the stablecoin economy. They are the core pillars of on-chain payments in 2025.
Below is the full breakdown.
Shopify is the world’s largest e-commerce engine, powering over one and a half million online stores. In 2025 it became the undisputed leader among the top platforms, thanks to deep integrations with Coinbase Commerce, Solana Pay, and Stripe’s USDC settlement layer on Base.
Merchants can now accept USDC, USDT, and PYUSD with a single toggle. There is no complex configuration, no external APIs, and no crypto expertise required. They simply enable stablecoin checkout the same way they would enable PayPal or Apple Pay. The difference is speed and cost. Stablecoin payments settle instantly and have fees in the zero to half a percent range. Traditional card networks still charge almost three percent plus additional cross-border fees.
source : b2binpay
This shift has changed the economics of global online retail. Sellers in high-inflation markets like Argentina, Türkiye, and Nigeria rely on stablecoins for near-instant settlements that preserve value. Shopify’s internal data shows stores that enable stablecoin checkout experience significantly higher conversions, especially in countries where local currencies move against the dollar every month.
In Q3 2025 alone, stablecoin checkout volume on Shopify exceeded twenty eight billion dollars. This makes Shopify the largest single e-commerce platform using stablecoin payments at scale.
PayPal became one of the central figures in the top platforms list after launching its own regulated stablecoin, PYUSD, in 2023. By 2025, PYUSD is fully integrated across PayPal and Venmo, allowing four hundred million users to send stablecoins instantly for free to other PayPal accounts along with other cryptos payments on PayPal.
PYUSD transactions within PayPal or Venmo settle instantly. For merchants, PYUSD can be auto-converted to any supported fiat currency, removing the volatility risk that kept retailers away from crypto for years. The user experience is so seamless that most Venmo users do not even realize they are paying with a stablecoin. They simply scan a QR code, and the backend processes the payment through PYUSD.
PayPal’s massive reach has done more for mainstream stablecoin adoption than any blockchain company. Every thrift shop, small bakery, online freelancer, college student, and small business owner who uses Venmo now has the ability to transact in stablecoins without thinking about crypto at all.
In October 2025 alone, PYUSD processed forty one billion dollars in payment value. That number rivals the early years of Apple Pay adoption and shows how stablecoins are entering the everyday spending habits of regular users.
Stripe remains one of the most important financial infrastructure providers on the internet. It processes over one trillion dollars in annual volume and handles payments for more than one hundred million businesses.
In 2025, Stripe added full stablecoin acceptance, making it a foundational element for the Top Stablecoin Payment Platforms ecosystem. Stripe merchants can now accept USDC on Solana, Polygon, and Base with settlement in local fiat currencies across more than one hundred forty countries.
Stripe solved the single biggest problem businesses worried about when adopting crypto payments. How do you avoid crypto volatility while still gaining the advantages of stablecoin speed and cost efficiency? Stripe’s answer is instant conversion. Customers pay in stablecoins, Stripe settles in fiat immediately, and the merchant’s accounting department sees no difference compared to traditional credit card payments.
Large clients such as OpenAI, Notion, and Shopify rely heavily on Stripe for their stablecoin rails. Stripe’s stablecoin volume reached one hundred fifty billion dollars annualized in late 2025. That puts it on the level of mid-sized national banking systems.
Stripe has become the internet’s stablecoin autopilot.
Visa took a unique approach by transforming its global payment network into a hybrid system where stablecoins can move across VisaNet just like fiat. Through partnerships with Circle, Paxos, Anchorage, and several large banks, Visa created the Tokenized Asset Platform which supports minting, burning, settling, and bridging stablecoins.
The most powerful product is the stablecoin-linked Visa card. Users load USDC into a wallet connected to a Visa card. When they swipe the card, the network instantly converts the stablecoin to fiat for the merchant. This allows stablecoins to be spent at more than one hundred million locations without the merchant needing to change anything.
Banks like BBVA in Spain, Novo in the United States, and NuBank in Brazil now offer these cards, creating a global standard for on-chain to off-chain spending.
Visa settled more than seven hundred ten billion dollars in stablecoin-related transactions in the first ten months of 2025. This puts it firmly among the Top Stablecoin Payment Platforms, not because it is a crypto company, but because it turned its existing global network into the bridge between the stablecoin world and everyday commerce.
Mastercard followed a partnership-first strategy. Instead of building its own stablecoin or internal blockchain network, it collaborated with leading stablecoin issuers and payment processors. Through Crypto Credential, Mastercard allows any merchant in its ninety million merchant network to accept stablecoins without modifying their checkout systems. Mastercard handles the conversion and routing automatically.
Cards issued by MetaMask, Gemini, and Wirex allow users to spend USDC and USDT and receive cashback in stablecoins. Mastercard also handles large B2B stablecoin flows. Major corporations including IBM and Ford use Mastercard’s rails for payroll automation and supplier payments in stablecoins.
By late 2025, Mastercard’s stablecoin transaction volume exceeded four hundred billion dollars annualized. It dominates stablecoin acceptance in regions where Visa has limited penetration. Together Visa and Mastercard cover almost the entire world, and both appear prominently among the Top Stablecoin Payment Platforms.
Newegg is one of the longest standing crypto-friendly retailers. It was the first major brand to accept Bitcoin for electronics in 2014. In 2025 it remains the number one electronics retailer using stablecoins at scale.
Through integrations with BitPay and Coinbase Commerce, Newegg accepts USDC, USDT, DAI, and PYUSD for everything from gaming laptops to drones. The typical buyer is a tech enthusiast, miner, developer, or international customer trying to avoid costly foreign card fees.
Newegg reports that up to eighteen percent of its North American sales during major hardware releases now use stablecoins. This is especially useful for retailers selling high ticket items. A three thousand dollar gaming computer purchased with stablecoins avoids credit card chargebacks and reduces fraud exposure.
Newegg’s consistency has made it one of the most influential platforms in testing real retail demand for stablecoins.
Overstock, known today through its Bed Bath & Beyond brand structure, has supported crypto payments longer than almost any public company. It has become a major player in stablecoin retail adoption. Overstock customers can furnish entire homes using USDC or USDT, with checkout flows handled by BitPay.
Stablecoins give Overstock an edge in countries with unstable currencies. Consumers in Latin America and parts of Africa trust US dollar stablecoins more than local money. Overstock leverages this by offering stablecoin checkouts that eliminate currency conversion fees.
The company revealed that more than four hundred million dollars in sales now come from stablecoin users. Overstock’s treasury also holds a portion of its working capital in USDC to reduce banking fees and speed up supplier payments. In terms of merchant-side adoption, Overstock is one of the pillars of the Top Stablecoin Payment Platforms.
Coinbase Commerce is the default payment gateway for small and medium businesses that want to accept stablecoins. It integrates directly with WooCommerce, Shopify, Primer, and dozens of other checkout tools, making stablecoin payments accessible to even the smallest merchant.
Merchants can choose between holding stablecoins or receiving automatic fiat conversions. Coinbase Commerce handles routing across chains such as Base, Polygon, and Ethereum, ensuring fast and cheap settlement.
With more than one hundred billion dollars processed to date and rapid adoption across digital art marketplaces, gaming platforms, and SaaS services, Coinbase Commerce is one of the most influential Top Stablecoin Payment Platforms for the independent creator economy. It grows eighty to one hundred percent year over year and serves as the entry point for businesses that need simple stablecoin payments without complex crypto tools.
BitPay is the oldest crypto payment processor in the world and remains a dominant force in stablecoin acceptance. It powers payments for Microsoft, AT&T, luxury watch dealers, gold vendors, and much more.
BitPay is heavily focused on enterprise-grade infrastructure. Its fraud reduction tools, treasury integration, and regional compliance support make it attractive for companies with strict legal requirements. It also offers a Mastercard that auto-converts stablecoins into fiat at checkout.
BitPay processes over one billion dollars in monthly crypto and stablecoin volume. It is especially strong in regions where credit card fraud is common. For merchants that want security, compliance, and brand stability, BitPay stands as one of the pillars of the stablecoin payment platforms ecosystem.
Travala is the clear leader in travel payments using stablecoins. It accepts more than fifty tokens including USDC, USDT, DAI, and PYUSD. Users can book flights, hotels, car rentals, tours, and experiences with stablecoins across more than one million properties worldwide.
Travala appeals heavily to digital nomads, remote workers, and crypto-native travelers who store their income and savings in stablecoins. They can book entire trips without touching a bank account or losing money through unfavorable currency conversion rates.
In 2025, Travala processed more than five hundred million dollars in travel bookings. Partnerships with Booking.com and Skyscanner allow mainstream users to pay with stablecoins without realizing it. Travala has demonstrated that even large ticket global industries can run on stablecoin payments.
Stablecoins have moved from niche to necessity. The ten platforms above process hundreds of billions in annual stablecoin payments and reach billions of customers collectively. They have transformed how money moves across the internet.
The rise of the Top Stablecoin Payment Platforms is a direct result of lower costs, faster settlement, global access, and the reliability of dollar-pegged value. Whether a user is buying groceries with a stablecoin-linked card, paying freelancers overseas, purchasing a laptop, or booking a vacation, stablecoins have made digital dollars standard across the world.
From Shopify to Travala, this new payment layer is becoming a universal standard for borderless transactions. The next five years will only accelerate this shift as more merchants adopt stablecoins and more platforms integrate stablecoin rails directly into their core infrastructure.
Stablecoins are not the future of payments anymore. They are the present.
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