You need an address to receive at, a decision about which chain, and a way to tell that the money arrived. The first two take minutes. The third is the part most setups get wrong, and it is why WenBuidl reads the chain itself and closes the invoice rather than asking you to check.
Accepting a stablecoin payment is easier than accepting a card payment. There is no merchant account, no underwriting and no approval.
The work is in the part after the money arrives, which is the part most guides stop before.
Starts when: You want a client to be able to pay you in stablecoins.
On WenBuidl every business is provisioned a wallet when it is created, so the address already exists and there is nothing to set up. Elsewhere this means creating a wallet and keeping its recovery phrase somewhere it cannot be lost.
This decides the fee your client pays, how fast it settles, and whether they can use it at all from where they are. WenBuidl uses USDT on BNB Smart Chain today.
All three, every time. An address without a chain is the single most common cause of a payment going missing, and it is entirely avoidable.
This is the step that separates a working setup from a stressful one. Without it you are checking a block explorer by hand and marking invoices paid from memory.
You approve:Nothing. This is the part that should not need you at all.
The result: A client can pay you from any wallet, anywhere, without an account, and you find out without looking.
A stablecoin payment is a transfer recorded on a public chain, so verifying it means reading the chain and finding the transfer.
WenBuidl reads incoming transfers to business addresses every couple of minutes and matches them against what each open invoice asked for. A match closes the invoice, which then shows the amount, the token and a link to the transaction on a public explorer.
A transaction can only ever settle one invoice, permanently. That matters more than it sounds: a public chain can be read again after a restart, and without that rule the same payment could close two bills.
Wallets and bridges round in the last decimal place, so a payment can arrive a fraction of a cent light through nobody fault. An invoice left open over that is worse than one that settles a fraction short, so a small shortfall still settles.
A payment meaningfully over the quoted amount is treated differently and left for a person to look at, because it is more likely to be somebody else money than a generous client.
The same address exists on every EVM chain, so a client can send to a perfectly correct address on a chain you are not watching. Name the chain wherever you name the address.
If you invoice in pounds and ask for the dollar equivalent, the figure was struck at a moment. Say what it was struck at and how long it holds, or the client who pays a fortnight later pays a different amount than the one you are matching.
If every client pays into the same address for arbitrary amounts, telling which payment belongs to which invoice becomes guesswork. An address per business, plus an exact amount per invoice, is what makes matching possible.
Moving a token costs a fee paid in the chain native coin. A wallet holding only stablecoins can receive them and cannot send them, which surprises people at the worst moment.
On the invoice, next to it. A stablecoin option is worth having because it settles itself and because it works across borders, not because it replaces anything.
Most service businesses will take most of their money by card and bank transfer for a long time. The stablecoin option earns its place with the clients who already hold them, and it costs nothing to leave switched on for the ones who do not.
Create the business and the wallet comes with it. The first invoice will tell you whether it suits your clients.
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This page is general information about how stablecoin payments work, not legal, tax or financial advice. How a stablecoin payment is treated for tax, VAT and reporting depends on your jurisdiction and your circumstances. Check with an accountant who knows both before changing how your business takes money.
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