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.
What Are Stablecoins and Why Do They Matter for Businesses?
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.
Benefits of Accepting Stablecoins
- Price stability: No risk of sudden losses due to volatility.
- Lower transaction fees: Especially in networks like TRON and BNB Chain.
- Fast global payments: Transactions are confirmed in seconds.
- No banks involved: Accept payments from anywhere in the world.
- Seamless integration with CryptumPay: No blockchain expertise required.
Top 7 Stablecoins for Accepting Crypto Payments
USDT (Tether)
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.
USDC (USD Coin)
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
DAI is a decentralized stablecoin backed by crypto collateral. It’s governed by MakerDAO and remains pegged to $1 through algorithmic 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
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 (TrueUSD)
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
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.
PYUSD
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.
How to Choose the Best Stablecoin for Your Business
To choose the optimal token, answer the following questions:
- Where are your customers located—US, EU, Asia?
- What fees are acceptable for you and them?
- Do you value decentralization or full regulatory compliance?
- Which networks are supported by your payment gateway?
CryptumPay helps you simplify these decisions by offering support for top-tier stablecoins, handling network fees, and allowing seamless integration.
Best Networks for Stablecoin Transactions
- TRON (TRC-20): Near-zero fees and lightning-fast confirmations.
- Ethereum (ERC-20): Secure but expensive.
- BNB Chain: Balanced speed and cost.
With CryptumPay, you don’t need native tokens like ETH, TRX, or BNB to cover fees. They're automatically provided during the transaction process.
How to Accept Stablecoins Using CryptumPay
CryptumPay is a business-focused crypto processing solution. Features include:
- Support for leading stablecoins: USDT, USDC, DAI
- Automated fee coverage (no need for native tokens)
- One-click payments with stored wallets
- Branded White Label option
- Simple API and HTML widget integration
Common Mistakes When Accepting Stablecoins
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.
How to Start Accepting Crypto Payments
- Sign up with CryptumPay
- Integrate the API or HTML widget into your website
- Enable the stablecoins you want to accept
- Start accepting payments globally within a day
FAQ
What are stablecoins and why are they useful for business?
Stablecoins are crypto assets pegged to fiat currencies like USD or EUR. They offer price stability, making them ideal for business transactions.
Which stablecoins are best for accepting crypto payments?
The most popular and reliable options are USDT, USDC, and DAI. They’re liquid, trusted, and supported across multiple blockchains.
How can I accept stablecoins on my website?
Use a crypto payment gateway like CryptumPay. It handles fees, wallet logic, and lets you go live quickly.
Conclusion
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.
