Commerce

How to pay with crypto

Speak with our team and earn a $75 reward

You can pay a Coinbase Commerce merchant with hundreds of cryptocurrencies! You can use any asset on your Coinbase.com account, or you can use funds over a supported network from your self-custody wallet (EVM only).

How to get crypto

Coinbase account

The easiest way to get started is to create an account with Coinbase. Once your account is set up, you can deposit funds and buy crypto, which you can use to make a crypto payment. 

Self-custodial wallet

You can also get started with a self-custodial wallet. This gives you full control over your cryptocurrency by allowing you to manage your private keys, which means you are solely responsible for the security and management of your assets.

How to make a crypto payment

Using a Coinbase.com account

You can make a payment with any balance from your Coinbase.com account. To do so, select “Pay with your Coinbase account,” sign in, select an asset, and submit your payment. It’s that simple.

Using your personal crypto wallet

1. Choose how you want to pay
You will be prompted to choose the payment method of your choice:

2. Connect your wallet
If you are not using a Coinbase.com account, you will be asked to link your self-custody wallet to Coinbase commerce. This is a one-time step for new users, and it’s safe and quick. You can do this through a wallet extension on desktop, a mobile wallet, or by scanning the QR code (for wallets that support WalletConnect).

3. Pick a currency and network
Your wallet will show you the different cryptocurrencies and networks you can use to pay. Networks like Base and Polygon will have lower fees than on Ethereum, so we encourage you to use funds on those networks.

4. Confirm your payment
You will need to authorize the ability for funds to leave your account. If it's your first time paying with a particular currency, you will need to provide a few different approvals. 

After submitting these approvals, you’ll be all set. Your payment will be swapped into a stablecoin and sent over to the merchant. 

Common topics

Unable to select the “Continue” button to submit a payment

When paying from a self-custody wallet, ensure you have the network's required gas (ETH for Base and Ethereum, MATIC for Polygon). If you can't select the "Continue" button, your wallet may lack sufficient funds.

To ensure seamless payment processing, a 1% spread is applied to transactions (excluding stablecoins). For example, a charge that's priced at $100 USD would require $101 in wBTC ($100 in wBTC + 1% spread fee) to complete payment. Excess funds are automatically returned to your wallet; Coinbase does not retain them.

Paying with Bitcoin

To pay with Bitcoin, you'll need to use your Coinbase.com Bitcoin balance. Bitcoin payments from third-party exchanges and self-custody wallets are currently not supported.

Network selection

After you connect your wallet, Commerce will have visibility of your balances on each supported network and automatically choose the cheapest network with sufficient balance to pay the requested amount + network fees. If you wish to pay with a different network than the default one, simply select the currency selector, choose a different network, and select your preferred currency.

The currency I want to pay with is not showing

While you are able to pay using hundreds of tokens on Ethereum, Polygon or Base, there may still be cases where you are unable to pay with certain coins. 

We aren't able to provide a list as this is dependent on several factors such as:

  1. Whether the ERC20 has a USDC pool on Uniswap

  2. Whether there is sufficient liquidity for the charge value to get swapped

If there isn't a USDC pool, the token won't appear on the coin selection page. It's also possible that the same coin won't appear even with a USDC pool if the charge amount is too large versus the existing liquidity.