Principles of true web3 payments
Build a web3 payments solution on infrastructure designed from the ground up for a decentralized economy, enabling models that are impossible with traditional finance.
Self-custody empowers users
Eliminate intermediaries and counterparty risk by building on a trustless, peer-to-peer settlement layer. Users transact directly from their wallets.
Programmability & composability to automate and interconnect value flow
Embed business logic directly in money using smart contracts. Automate royalty splits, embolden agentic payments, stream micropayments, and connect your payment application to the crypto ecosystem.
Permissionless for a global network of payments
Anyone, anywhere can build and access payment networks on Polygon. All transactions are verifiable onchain, providing an immutable and auditable ledger for global commerce.
Why build payment apps on Polygon
Polygon is the execution layer that makes complex, onchain payment logic economically viable.
Execute complex logic with sub-cent gas fees
At an average cost of ~$0.01 per transaction, you can enable high-frequency interactions like micropayments, on-chain subscriptions, and multi-step DeFi operations that are prohibitively expensive on Ethereum L1.
Ensure Instant Finality for a Seamless User Experience
Deliver the responsive, real-time UX that users demand. With ~5 second transaction finality, payments are confirmed almost instantly, crucial for point-of-sale, gaming, and NFT marketplace checkouts.
Tap into deep stablecoin liquidity for commerce at scale
Build for a global user base with deep, reliable liquidity. Polygon's $2.7B stablecoin supply provides the foundation for web3 commerce, DAO treasury management, and scalable DeFi protocols.
Autonomous Agentic Commerce
The Challenge:
As AI agents begin to autonomously purchase goods, provision services, and manage digital workflows, traditional payment rails can’t support real-time, programmatic transactions. They require intermediaries, manual approvals, and high minimum transaction sizes—making true autonomous commerce impossible.
Polygon Solution:
Build fully on-chain, non-custodial payment logic that allows AI agents to hold stablecoins, execute spend rules, settle invoices, and trigger agent-to-agent transactions instantly and with complete auditability. Polygon’s low-cost, high-throughput infrastructure empowers agents to perform micro-purchases, manage recurring spend, enforce limits, and interact with other agents or services—entirely without human intervention.
Who’s Building:
A broad coalition of industry leaders exploring x402-style agentic payments—including Google, major payment processors, fintechs, neobanks, infrastructure providers, and web3 platforms e.g. Coinbase, PayPal, Stripe, Cloudflare, Deloitte, EBANX, Checkout.com, Intuit, MetaMask, Worldline, Revolut, Adyen, American Express, and many more —are collaborating to bring autonomous, agent-led payments.
Start Building Your Web3 Payment Solution Today
Access the tools, community, and resources you need to launch and scale your decentralized payment application on Polygon.
For Developers
Access comprehensive documentation, SDKs, and code examples to start building today. View Developer Docs
For Partners
Join the ecosystem and leverage unified liquidity across connected chains. Discover wallets, oracles, and other infrastructure partners to accelerate your build. Explore the Ecosystem
For Innovators
Get support from our team and a global community of developers. Explore grants and other programs designed to foster the next generation of Web3. Join Our Community
Trusted Infrastructure
- Network Scale: 117M+ unique addresses | $141B+ transfer volume | 5.3B+ total transactions
- EVM Compatibility: Full compatibility allows for seamless migration of Ethereum-based dApps and access to the largest Web3 developer toolset.
- Security: Secured by a permissionless set of PoS validators and regular security audits from top-tier firms.
