How to Pay

Step-by-step guide to completing a USDC payment.

Overview

When a merchant creates a payment request, you receive a payment link or QR code. The payment page shows the amount in the merchant's display currency (e.g. EUR, GBP, BRL) and the equivalent USDC amount. You connect a wallet, send the exact USDC amount, and JoPay verifies the transaction on-chain.

Payment Steps

Open the payment link or scan the QR code

The merchant will share a link or show a QR code. Open it in your browser. You will see the payment page with the merchant's name, the amount owed, and a unique reference code.

Review the amount

The page displays the amount in the merchant's fiat currency (e.g. $25.00 USD) and the equivalent USDC amount (e.g. 25.00 USDC). The exchange rate is locked when the request was created, so the USDC amount will not change while the page is open.

Connect your wallet

Click the wallet connect button. You can use Sequence (recommended), MetaMask, or any EVM-compatible wallet. Make sure your wallet is on the correct blockchain network (e.g. Polygon) and has enough USDC to cover the payment.

Confirm and send USDC

Review the transaction details in your wallet. Confirm the transfer of the exact USDC amount to the merchant's receiving address. Your wallet will prompt you to approve the transaction.

Wait for verification

After you send, JoPay monitors the blockchain for your transaction. Verification typically takes 10 to 60 seconds depending on network conditions. The payment page shows a progress indicator while waiting.

Get your receipt

Once verified, the page shows a verification notice with a green checkmark. You can view the receipt, email it to yourself, or print it for your records.

Send the exact USDC amount shown on the payment page. Sending too little will result in an unmatched payment. Sending too much may require the merchant to issue a manual return.

What You Need

  • An EVM-compatible wallet (Sequence, MetaMask, or similar).
  • USDC tokens on the correct blockchain (check the payment page for the required network).
  • A small amount of the native gas token (e.g. MATIC on Polygon) for transaction fees, unless your wallet handles gas sponsorship.
Sequence wallets handle gas fees automatically, so you only need USDC. With other wallets, make sure you have a small balance of the native token to cover gas.

Payment Expiry

Each payment request has an expiration time set by the merchant's partner (typically 24 hours). If you do not complete the payment before it expires, the request status changes to expired and the merchant needs to create a new request.

Next Steps

Compatible Wallets

Which wallets work and how to set them up.

Receipts

View, email, or print your payment receipt.