Friction-Free USDC Checkout for
Global E-Commerce Stores
Accept Circle Native USDC across Base L2 and Solana from online shoppers in 180+ countries. Settle funds directly into your company vault with sub-cent gas, zero rolling reserves, and instant merchant liquidity.
Built to Solve E-Commerce's Biggest Financial Headaches
Chargebacks, cross-border card declines, and 180-day reserve lockups cost online merchants billions. OwnPay replaces legacy card rails with direct onchain settlement.
0% Rolling Reserves
Traditional payment gateways lock 5% to 15% of your gross sales in rolling reserve accounts for up to 180 days. OwnPay never touches or withholds your capital. You get 100% immediate liquidity.
1-Click Passkey Checkout
Shoppers pay in seconds using FaceID, TouchID, Coinbase Smart Wallet, or Phantom. No crypto wallet browser extensions required for mainstream buyers.
Shopify, Woo & Custom SDK
Drop our pre-built payment modal into Shopify, WooCommerce, Magento, or custom Next.js/React storefronts with less than 10 lines of code.
How Shoppers Pay in Under 2 Seconds
Select OwnPay
Customer chooses "USDC (Base / Solana)" at checkout on your online store.
Dynamic QR or Modal
Hosted checkout modal opens with exact USDC price and dynamic QR code.
Instant Settlement
Transaction is confirmed onchain in ~1.8 seconds with sub-cent gas fees.
Order Fulfillment
Webhook triggers immediate inventory release, receipt email, and order completion.