Wolf Pay

USDC on Polygon

Accept USDC on Polygon (ERC-20)

Accept USD Coin (USDC) on Polygon: hosted checkout, 32 confirmations (about a minute), signed webhooks and payouts. 1% per payment, $3 minimum.

Updated · Wolf Pay team

Wolf Pay is open in test mode: you can sign up, integrate and run test payments today. Live payments open once our custody partner goes live.

Key points

  • Wolf Pay accepts USDC on Polygon (ERC-20) at contract 0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359.
  • Payments are marked paid after 32 confirmations, usually about a minute.
  • The customer's wallet pays the Polygon network fee. Wolf Pay charges 1% per payment, $3 minimum.
  • Customers pay from MetaMask, Trust Wallet, Rabby, and most exchanges.

USDC on Polygon at a glance

CoinUSD Coin (USDC), issued by Circle
NetworkPolygon (ERC-20 token)
Token contract0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359
Decimals6
Confirmations Wolf Pay waits for32 (about a minute)
Network feeUsually a fraction of a cent. The sender pays in POL.
Wolf Pay fee1% per payment, $3 minimum. No monthly fee

Why accept USDC on Polygon

Polygon PoS is a low-cost network supported by most exchanges and wallets. Circle issues USDC on it natively, which makes it a cheap option for customers whose exchange offers Polygon withdrawals.

USDC is a dollar stablecoin issued by Circle, a US company that publishes regular reports on the reserves backing it. Businesses and institutions often prefer it for that transparency, and it is issued natively on many networks, so customers can usually send it from wherever they hold it.

Good fit for:

  • Customers paying from exchanges that support Polygon
  • Very small USDC payments
  • Audiences in India and other markets where Polygon is common

How it works with Wolf Pay

  1. Create a payment in your dashboard, with a payment link, or from your server with the API, choosing USDC on Polygon.
  2. Your customer pays on a hosted checkout that shows the exact amount, the Polygon deposit address, a QR code and the network in large type, so they send the right coin on the right network.
  3. You get paid. Once the transfer has 32 confirmations (about a minute), the payment is marked paid, your webhook fires, and the amount (minus Wolf Pay's fee) is in your USDC balance, ready to pay out to your own wallet.
curl https://wolf-pay-five.vercel.app/api/v1/payments \
  -H "Authorization: Bearer $WOLF_PAY_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{"amount": "49.00", "currency": "USDC", "network": "polygon", "order_id": "1001"}'

The response includes a checkout_url to send the customer to. Full reference: API docs.

Common mistakes to avoid

  • Wolf Pay accepts native USDC on Polygon. The older bridged token (USDC.e) is a different token and isn't accepted.
  • The address looks like an Ethereum one; the network chosen must be Polygon.
  • The amount has to be sent in full: if a customer's exchange deducts its withdrawal fee from the amount, the payment arrives short and is marked underpaid, with the difference shown.
  • Only send USDC to a USDC payment. Other tokens sent to the address aren't credited to the payment.

Other ways to get paid in USDC or on Polygon

Frequently asked questions

How long does a USDC payment on Polygon take to confirm?

Wolf Pay marks a USDC payment on Polygon as paid after 32 network confirmations, which usually takes about a minute from when the customer sends it.

What does it cost to accept USDC on Polygon?

Wolf Pay charges 1% per payment with a $3 minimum and no monthly fee. The customer's wallet pays the Polygon network fee. Usually a fraction of a cent. The sender pays in POL.

What is the USDC token contract on Polygon?

Wolf Pay accepts USDC on Polygon at the contract 0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359 (6 decimals). Other tokens with similar names are not credited.

What if a customer sends USDC on the wrong network?

The checkout shows the network in large type and warns against sending on any other network, because a transfer on a different network does not arrive at this Polygon address. If it happens, contact Wolf Pay support with the transaction hash; recovery is not always possible.

Do I need my own Polygon wallet to accept USDC?

No. Payments are credited to your Wolf Pay balance. You can pay out to your own wallet whenever you like, by hand or on a daily or weekly schedule.