> ## Documentation Index
> Fetch the complete documentation index at: https://developers.circle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Quickstart: Receive stablecoin payins

> Managed Payments Stablecoin payins using the default continuous payment intent flow; for transient payment intents, see the Crypto Deposits quickstart

This guide walks you through the basics of accepting USDC on your site or in
your app with Managed Payments stablecoin payins. You create payment intents,
show a deposit address, your customer sends USDC, and Circle links the onchain
payment to your intent. The steps use a continuous payment intent, which is the
default pattern and fits a stable receive address per merchant or sub-wallet.

<Note>
  The alternative [Quickstart: Crypto
  Deposits](/circle-mint/crypto-payments-quickstart) walkthrough covers a
  transient payment intent instead (amount and time window set on create). Use
  that guide when you want a one-time, expiring checkout-style intent.
</Note>

## Prerequisites

Before you start, ensure you have:

* Aligned with Circle on your Managed Payments onboarding model (Direct or
  Intermediary).
* Completed Managed Payments onboarding, depending on your preferred model, with
  Circle and have API credentials for the environment you target. The cURL
  examples use the sandbox host `api-sandbox.circle.com`.
* Roles that allow creating and reading payment intents and payments in your
  setup. Circle assigns roles during onboarding.
* Sub-wallets or any other structure your setup requires so each continuous
  intent ties to the right merchant or segment. See
  [Managed Payments](/cpn/managed-payments) and the
  [Digital Asset Accounts API](/api-reference/cpn/managed-payments/accounts/create-account)
  if you create accounts first.
* (Optional) A webhook receiver or queue to handle payment intent and payment
  events. See
  [Set up a webhook endpoint](/api-reference/webhook-endpoints#v1-notifications).
* (Optional) For an end-to-end test, a payer wallet with USDC and native gas on
  the chain you set on the intent (for example Sepolia ETH when the intent uses
  an Ethereum test chain).

## Sequence diagram

Continuous payins use settlement currency and chain on create; you may see
`active` instead of `pending` when the address is ready.

```mermaid theme={null}
sequenceDiagram
    participant Customer
    participant Site as Your website
    participant Server as Your server
    participant CAPI as Circle APIs
    Customer->>Site: Select pay with<br/>stablecoin onchain
    Site->>Server: Create deposit intent<br/>settlement and chain
    Server->>CAPI: POST v1 paymentIntents
    CAPI-->>Server: Payment intent created
    CAPI-->>Server: Webhook payment intent<br/>address ready
    Server-->>CAPI: Ack
    Server->>Site: Deposit address
    Site->>Customer: Present deposit address
    Customer->>Customer: Send payment from wallet<br/>to deposit address
    CAPI-->>Server: Webhook payment paid
    Server-->>CAPI: Ack
    CAPI-->>Server: Webhook payment intent<br/>complete paid
    Server-->>CAPI: Ack
    Server->>Site: Stablecoin payment<br/>completed
    Site->>Customer: Payment confirmed
```

## Steps

1. Set up payment intent to pay with stablecoin
2. Acquire blockchain address customer will pay to
3. Customer pays
4. Receive payment

## 1. Pay with stablecoin

Once the customer reaches checkout and confirms they would like to pay with USDC
on Ethereum, your system sends Circle a request to
[create a payment intent](/api-reference/cpn/managed-payments/payment-intents/create-payment-intent).
In this **continuous** payment intent you specify the settlement currency and
chain (no fixed charge amount on create).

Create a payment intent:

<CodeGroup>
  ```curl cURL theme={null}
  curl --location --request POST 'https://api-sandbox.circle.com/v1/paymentIntents' \
  --header 'X-Requested-Id: ${GUID}' \
  --header 'Authorization: Bearer ${YOUR_API_KEY}' \
  --header 'Content-Type: application/json' \
  --data-raw '{
    "idempotencyKey": "17607606-e383-4874-87c3-7e46a5dc03dd",
    "settlementCurrency": "USD",
    "paymentMethods": [
      {
        "type": "blockchain",
        "chain": "ETH"
      }
    ]
  }'
  ```

  ```typescript TypeScript theme={null}
  /**
   * See installation instructions at
   * https://developers.circle.com/circle-mint/circle-sdks
   */
  import {
    Circle,
    CircleEnvironments,
    PaymentIntentCreationRequest,
  } from "@circle-fin/circle-sdk";
  import crypto from "crypto";

  const circle = new Circle(
    "<your-api-key>",
    CircleEnvironments.sandbox, // API base url
  );

  async function createContinuousPaymentIntent(): Promise<void> {
    const reqBody: PaymentIntentCreationRequest = {
      settlementCurrency: "USD",
      paymentMethods: [
        {
          type: "blockchain",
          chain: "ETH",
        },
      ],
      idempotencyKey: crypto.randomUUID(),
    };
    const resp = await circle.cryptoPaymentIntents.createPaymentIntent(reqBody);
    console.log(resp.data);
  }

  void createContinuousPaymentIntent();
  ```
</CodeGroup>

```json Response theme={null}
{
  "data": {
    "type": "continuous",
    "id": "e7b49cb6-1f78-4a0f-8fd6-35fc74dca335",
    "amountPaid": {
      "amount": "0.00",
      "currency": "USD"
    },
    "amountRefunded": {
      "amount": "0.00",
      "currency": "USD"
    },
    "settlementCurrency": "USD",
    "paymentMethods": [
      {
        "type": "blockchain",
        "chain": "ETH"
      }
    ],
    "timeline": [
      {
        "status": "created",
        "time": "2026-03-23T17:41:19.986668Z"
      }
    ],
    "createDate": "2026-03-23T17:41:19.979669Z",
    "updateDate": "2026-03-23T17:41:19.979669Z",
    "merchantWalletId": "1000700366",
    "currency": "USD"
  }
}
```

```json Webhook notification theme={null}
{
  "clientId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291",
  "notificationType": "paymentIntents",
  "version": 1,
  "customAttributes": {
    "clientId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291"
  },
  "paymentIntent": {
    "type": "continuous",
    "id": "e7b49cb6-1f78-4a0f-8fd6-35fc74dca335",
    "amountPaid": {
      "amount": "0.00",
      "currency": "USD"
    },
    "amountRefunded": {
      "amount": "0.00",
      "currency": "USD"
    },
    "settlementCurrency": "USD",
    "paymentMethods": [
      {
        "type": "blockchain",
        "chain": "ETH"
      }
    ],
    "timeline": [
      {
        "status": "created",
        "time": "2026-03-23T17:41:19.986668Z"
      }
    ],
    "createDate": "2026-03-23T17:41:19.979669Z",
    "updateDate": "2026-03-23T17:41:19.979669Z",
    "merchantWalletId": "12345",
    "currency": "USD"
  }
}
```

## 2. Acquire blockchain address customer will pay to

For security reasons, the API does not return the deposit blockchain address in
the create response. To retrieve the blockchain deposit address, you have two
options:

1. Subscribe to webhook notifications
2. Poll Circle APIs

### Option 1: Webhook notification

To receive webhook notifications, follow the steps in
[Set up a webhook endpoint](/api-reference/webhook-endpoints#v1-notifications).
After you subscribe to notifications, you receive updates for the payment intent
whenever the resource is updated. In this case, when the
`paymentMethods.address` is set, a notification is sent with a new `timeline`
object with a `status` of `active`.

```json Payment intent webhook notification theme={null}
{
  "clientId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291",
  "notificationType": "paymentIntents",
  "version": 1,
  "customAttributes": {
    "clientId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291"
  },
  "paymentIntent": {
    "type": "continuous",
    "id": "e7b49cb6-1f78-4a0f-8fd6-35fc74dca335",
    "amountPaid": {
      "amount": "0.00",
      "currency": "USD"
    },
    "amountRefunded": {
      "amount": "0.00",
      "currency": "USD"
    },
    "settlementCurrency": "USD",
    "paymentMethods": [
      {
        "type": "blockchain",
        "chain": "ETH",
        "address": "0xfd5a9f666d96022d13a73e3638fb7ec958696fbe"
      }
    ],
    "fees": [
      {
        "type": "blockchainLeaseFee",
        "amount": "0.00",
        "currency": "USD"
      }
    ],
    "timeline": [
      {
        "status": "active",
        "time": "2026-03-23T17:41:23.450386Z"
      },
      {
        "status": "created",
        "time": "2026-03-23T17:41:19.986668Z"
      }
    ],
    "createDate": "2026-03-23T17:41:19.979669Z",
    "updateDate": "2026-03-23T17:41:23.405690Z",
    "merchantWalletId": "12345",
    "currency": "USD"
  }
}
```

### Option 2: Poll payment intent endpoint

If you prefer to poll
[get a payment intent](/api-reference/cpn/managed-payments/payment-intents/get-payment-intent),
send `GET` requests until you receive `paymentMethods.address`.

Retrieve payment intent:

<CodeGroup>
  ```curl cURL theme={null}
  curl --location --request GET 'https://api-sandbox.circle.com/v1/paymentIntents/{id}' \
  --header 'X-Requested-Id: ${GUID}' \
  --header 'Authorization: Bearer ${YOUR_API_KEY}'
  ```

  ```typescript TypeScript theme={null}
  /**
   * See installation instructions at
   * https://developers.circle.com/circle-mint/circle-sdks
   */
  import { Circle, CircleEnvironments } from "@circle-fin/circle-sdk";

  const circle = new Circle(
    "<your-api-key>",
    CircleEnvironments.sandbox, // API base url
  );

  function delay(time: number): Promise<void> {
    return new Promise((resolve) => {
      setTimeout(resolve, time);
    });
  }

  async function getPaymentIntent(paymentIntentId: string) {
    const resp =
      await circle.cryptoPaymentIntents.getPaymentIntent(paymentIntentId);
    return resp.data;
  }

  async function pollPaymentIntent(): Promise<void> {
    const paymentIntentId = "payment-intent-id";
    const pollInterval = 500; // Interval (in ms) by which to poll

    let resp: Awaited<ReturnType<typeof getPaymentIntent>>;
    while (true) {
      resp = await getPaymentIntent(paymentIntentId);
      const depositAddress = resp.data?.paymentMethods[0]?.address;
      if (depositAddress) break;
      await delay(pollInterval);
    }
    console.log(resp);
  }

  void pollPaymentIntent();
  ```
</CodeGroup>

```json Response theme={null}
{
  "data": {
    "type": "continuous",
    "id": "e7b49cb6-1f78-4a0f-8fd6-35fc74dca335",
    "amountPaid": {
      "amount": "0.00",
      "currency": "USD"
    },
    "amountRefunded": {
      "amount": "0.00",
      "currency": "USD"
    },
    "settlementCurrency": "USD",
    "paymentMethods": [
      {
        "type": "blockchain",
        "chain": "ETH",
        "address": "0xfd5a9f666d96022d13a73e3638fb7ec958696fbe"
      }
    ],
    "fees": [
      {
        "type": "blockchainLeaseFee",
        "amount": "0.00",
        "currency": "USD"
      }
    ],
    "timeline": [
      {
        "status": "active",
        "time": "2026-03-23T17:41:23.450386Z"
      },
      {
        "status": "created",
        "time": "2026-03-23T17:41:19.986668Z"
      }
    ],
    "createDate": "2026-03-23T17:41:19.979669Z",
    "updateDate": "2026-03-23T17:41:23.405690Z",
    "merchantWalletId": "12345",
    "currency": "USD"
  }
}
```

## 3. Enable customer payment

Once you receive the deposit address via `paymentMethods.address`, share it with
the customer so they can send funds on the correct chain.

<Note>
  A **continuous** payment intent doesn't define a fixed amount on create; you
  communicate any specific charge (for example an invoice total) from your own
  checkout or UI.
</Note>

You can present the address two ways:

1. as plain text the customer can cut and paste; or
2. as a QR code the customer can scan via an app.

The customer then sends payment from their wallet (custodial or non-custodial).

<Tip>
  When using transient payment intents, you can set a time frame in which the
  customer must send payment by adjusting the `expiresOn` setting.
</Tip>

## 4. Receive payment from Circle

Once Circle obtains payment onchain, Circle creates a Payment resource linked to
the Payment Intent created earlier and updates the status of that Payment
Intent. Your firm will then receive payment via the method specified.

### Option 1: Webhook notifications

```json Payment intent webhook notification theme={null}
{
  "clientId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291",
  "notificationType": "paymentIntents",
  "version": 1,
  "customAttributes": {
    "clientId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291"
  },
  "paymentIntent": {
    "type": "continuous",
    "id": "e7b49cb6-1f78-4a0f-8fd6-35fc74dca335",
    "amountPaid": {
      "amount": "5.00",
      "currency": "USD"
    },
    "amountRefunded": {
      "amount": "0.00",
      "currency": "USD"
    },
    "settlementCurrency": "USD",
    "paymentMethods": [
      {
        "type": "blockchain",
        "chain": "ETH",
        "address": "0xfd5a9f666d96022d13a73e3638fb7ec958696fbe"
      }
    ],
    "fees": [
      {
        "type": "blockchainLeaseFee",
        "amount": "0.00",
        "currency": "USD"
      },
      {
        "type": "totalPaymentFees",
        "amount": "0.00",
        "currency": "USD"
      }
    ],
    "timeline": [
      {
        "status": "active",
        "time": "2026-03-23T17:41:23.450386Z"
      },
      {
        "status": "created",
        "time": "2026-03-23T17:41:19.986668Z"
      }
    ],
    "createDate": "2026-03-23T17:41:19.979669Z",
    "updateDate": "2026-03-23T17:52:18.080633Z",
    "merchantWalletId": "12345",
    "currency": "USD"
  }
}
```

```json Payment webhook notification theme={null}
{
  "clientId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291",
  "notificationType": "payments",
  "version": 1,
  "customAttributes": {
    "clientId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291"
  },
  "payment": {
    "id": "021ff661-e7d5-332f-bb9c-e43870608f26",
    "type": "payment",
    "status": "pending",
    "amount": {
      "amount": "5.00",
      "currency": "USD"
    },
    "createDate": "2026-03-23T17:49:54.197Z",
    "updateDate": "2026-03-23T17:49:54.259Z",
    "merchantId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291",
    "merchantWalletId": "12345",
    "paymentIntentId": "e7b49cb6-1f78-4a0f-8fd6-35fc74dca335",
    "fromAddresses": {
      "chain": "ETH",
      "addresses": ["0x6dbe810e3314546009bd6e1b29f9031211cda5d2"]
    },
    "depositAddress": {
      "chain": "ETH",
      "address": "0xfd5a9f666d96022d13a73e3638fb7ec958696fbe"
    },
    "transactionHash": "0xfbc0f1c8256af3453fd3be7a1491e3581e072022a29ffc78cf129a662182305e"
  }
}
```

### Option 2: Retrieve payment intent and payment

Retrieve a payment intent:

<CodeGroup>
  ```curl cURL theme={null}
  curl --location --request GET 'https://api-sandbox.circle.com/v1/paymentIntents/{id}' \
  --header 'X-Requested-Id: ${GUID}' \
  --header 'Authorization: Bearer ${YOUR_API_KEY}'
  ```

  ```typescript TypeScript theme={null}
  /**
   * See installation instructions at
   * https://developers.circle.com/circle-mint/circle-sdks
   */
  import { Circle, CircleEnvironments } from "@circle-fin/circle-sdk";

  const circle = new Circle(
    "<your-api-key>",
    CircleEnvironments.sandbox, // API base url
  );

  async function getPaymentIntent(): Promise<void> {
    const paymentIntentId = "<payment-intent-id>";
    const resp =
      await circle.cryptoPaymentIntents.getPaymentIntent(paymentIntentId);

    console.log(resp.data);
  }

  void getPaymentIntent();
  ```
</CodeGroup>

```json Response theme={null}
{
  "data": {
    "type": "continuous",
    "id": "e7b49cb6-1f78-4a0f-8fd6-35fc74dca335",
    "amountPaid": {
      "amount": "5.00",
      "currency": "USD"
    },
    "amountRefunded": {
      "amount": "0.00",
      "currency": "USD"
    },
    "settlementCurrency": "USD",
    "paymentMethods": [
      {
        "type": "blockchain",
        "chain": "ETH",
        "address": "0xfd5a9f666d96022d13a73e3638fb7ec958696fbe"
      }
    ],
    "fees": [
      {
        "type": "blockchainLeaseFee",
        "amount": "0.00",
        "currency": "USD"
      },
      {
        "type": "totalPaymentFees",
        "amount": "0.00",
        "currency": "USD"
      }
    ],
    "timeline": [
      {
        "status": "active",
        "time": "2026-03-23T17:41:23.450386Z"
      },
      {
        "status": "created",
        "time": "2026-03-23T17:41:19.986668Z"
      }
    ],
    "createDate": "2026-03-23T17:41:19.979669Z",
    "updateDate": "2026-03-23T17:52:18.080633Z",
    "merchantWalletId": "12345",
    "currency": "USD"
  }
}
```

Retrieve a payment:

<CodeGroup>
  ```curl cURL theme={null}
  curl --location --request GET 'https://api-sandbox.circle.com/v1/payments/{id}' \
  --header 'X-Requested-Id: ${GUID}' \
  --header 'Authorization: Bearer ${YOUR_API_KEY}'
  ```

  ```typescript TypeScript theme={null}
  /**
   * See installation instructions at
   * https://developers.circle.com/circle-mint/circle-sdks
   */
  import { Circle, CircleEnvironments } from "@circle-fin/circle-sdk";

  const circle = new Circle(
    "<your-api-key>",
    CircleEnvironments.sandbox, // API base url
  );

  async function getPayment(): Promise<void> {
    const paymentId = "<payment-id>";
    const resp = await circle.payments.getPayment(paymentId);

    console.log(resp.data);
  }

  void getPayment();
  ```
</CodeGroup>

```json Response theme={null}
{
  "data": {
    "id": "021ff661-e7d5-332f-bb9c-e43870608f26",
    "type": "payment",
    "status": "paid",
    "amount": {
      "amount": "5.00",
      "currency": "USD"
    },
    "fees": {
      "amount": "0.00",
      "currency": "USD"
    },
    "createDate": "2026-03-23T17:49:54.197184Z",
    "updateDate": "2026-03-23T17:52:17.910610Z",
    "merchantId": "5b057f1e-743c-4aeb-beeb-ef7b2e16f291",
    "merchantWalletId": "12345",
    "paymentIntentId": "e7b49cb6-1f78-4a0f-8fd6-35fc74dca335",
    "settlementAmount": {
      "amount": "5.00",
      "currency": "USD"
    },
    "fromAddresses": {
      "chain": "ETH",
      "addresses": ["0x6dbe810e3314546009bd6e1b29f9031211cda5d2"]
    },
    "depositAddress": {
      "chain": "ETH",
      "address": "0xfd5a9f666d96022d13a73e3638fb7ec958696fbe"
    },
    "transactionHash": "0xfbc0f1c8256af3453fd3be7a1491e3581e072022a29ffc78cf129a662182305e"
  }
}
```

<Note>
  For blockchains that require a 'memo' or 'address tag' (XLM, HBAR, etc.), the
  optional `addressTag` field will be present in the `depositAddress` object.
</Note>