TLDR: DeCard enables global retail stablecoin payments using Polygon infrastructure

• DeCard is enabling stablecoin payments for merchants around the world using Polygon as its blockchain settlement layer.
• The solution allows consumers to pay using stablecoins such as USDC and USDT at everyday merchant point-of-sale locations.
• Merchants can accept these payments without needing to manage blockchain complexity.
• The rollout covers access to more than 150 million merchants globally, positioning stablecoins as a practical payment method for real-world commerce.

DeCard brings stablecoin payments to everyday merchant transactions

DeCard is expanding the use of stablecoins beyond trading and speculation by enabling their use in everyday retail transactions. The solution allows consumers to use stablecoins for payments at physical and digital merchant locations.

The focus of the initiative is merchant usability. Payments are designed to integrate with existing point-of-sale systems so that merchants can accept stablecoin payments without needing to interact directly with blockchain infrastructure.

How stablecoin payments work with DeCard

Paying with USDC and USDT at merchant point-of-sale

Consumers can pay using stablecoins such as USDC and USDT when making purchases at supported merchants. The payment experience is designed to feel similar to traditional card or digital wallet transactions while using blockchain settlement in the background.

Merchant settlement without crypto complexity

Merchants do not need to manage wallets, private keys, or onchain operations. Stablecoin payments are handled in a way that allows merchants to receive familiar settlement outcomes while benefiting from faster and more efficient payment rails.

Why Polygon is used for retail-scale stablecoin payments

Trusted payment rails used by major fintech and payment networks

Polygon is already used as blockchain payment rails by major fintech and payment platforms such as Stripe, Revolut, and Mastercard. These integrations demonstrate Polygon’s ability to support real-world payment flows, including stablecoin settlement, merchant payments, and programmable money at scale.

Battle-tested infrastructure suitable for live retail payments

Founded in 2017, Polygon is a battle-tested network operating in production today. Payment systems require reliability and uptime, not experimental infrastructure. Polygon is already supporting live payment use cases for global platforms, making it suitable for retail and merchant transactions.

Transaction costs that enable everyday commerce

Polygon enables transaction fees of approximately $0.001 per transaction, making stablecoin payments economically viable for everyday retail purchases, micro-transactions, and high-frequency merchant activity. Low fees are essential for payment systems that operate at global scale.

Near-instant settlement for point-of-sale and merchant payments

Polygon provides transaction finality in five seconds or less, supporting near-instant settlement for point-of-sale and merchant payment flows. Fast confirmation is critical for consumer payments, where both merchants and users expect immediate settlement feedback.

What this means for stablecoins in real-world commerce

Stablecoin payments through DeCard demonstrate how blockchain-based assets can be used for everyday purchases rather than limited to investment or trading contexts.

By integrating stablecoins into merchant payment flows, the initiative helps bridge blockchain technology with real-world commerce, making digital assets more usable for consumers and businesses alike.

What DeCard and Polygon enable for the future of global payments

Expanding merchant acceptance of stablecoin payments

Access to more than 150 million merchants globally establishes a foundation for widespread stablecoin usage in retail environments. This scale supports the idea of stablecoins functioning as a mainstream payment method.

Blockchain payment infrastructure for everyday transactions

Using Polygon as the settlement layer enables payment flows that are faster, more efficient, and scalable for real-world usage, supporting continued expansion of stablecoin payments in global commerce.

FAQs

What is DeCard and what does it do

DeCard provides payment solutions that enable consumers to use stablecoins for everyday purchases. It connects stablecoin payment flows with merchant point-of-sale systems to support real-world commerce.

1. How can merchants accept stablecoin payments

Merchants can accept stablecoin payments through DeCard without managing blockchain infrastructure. The payment flow integrates with existing systems so merchants can receive settlement without handling crypto complexity.

2. Which stablecoins are supported for payments

The stablecoin payments supported include USDC and USDT, allowing consumers to use widely adopted digital dollars for retail transactions.

3. Why are stablecoins useful for everyday payments

Stablecoins offer price stability while enabling fast settlement on blockchain networks. This makes them suitable for payments where volatility and slow settlement are problematic.

4. Why was Polygon chosen to power DeCard payments

Polygon was chosen because it offers low transaction fees, fast settlement, and reliable performance, which are critical for retail-scale payment systems.

5. How many merchants can accept DeCard stablecoin payments

DeCard enables stablecoin payments across more than 150 million merchants globally, supporting large-scale adoption of blockchain-based payments in everyday commerce.