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- Stripe uses smart contracts to allow recurring payments without the need to approve each transaction.
- Users can pay with crypto wallets and manage subscriptions directly through the Stripe Dashboard.
- Stripe now supports USDC subscription payments using Base and Polygon for US-based businesses.
Stripe has introduced subscription payments using USD Coin (USDC) for U.S. businesses. The feature supports the Base and Polygon blockchains. This move aims to serve companies that rely on recurring revenue models. According to Stripe, 30% of its merchants follow such models. The rollout allows users to pay in USDC directly from their crypto wallets.
đź’ł Stripe officially adds crypto payments!
— Orla Carlin (@OrlaCarlinn) October 15, 2025
The global payments giant now supports stablecoin transactions for subscriptions, marking another huge step toward mainstream #Crypto adoption. 🚀
Users can now pay with $USDT, $USDC, and other stablecoins, bridging the gap between… pic.twitter.com/TzVczkxKUI
The payments will settle in fiat currency. Users can also manage their stablecoin payments using the Stripe Dashboard. The company expects this feature to attract crypto-native users and those without access to traditional payment systems. The initial launch is limited to businesses based in the United States. Earlier this year, Shopify partnered with Coinbase and Stripe to enable USDC payments by default for 5.5M merchants with no added setup.
Smart Contracts Enable Recurring Crypto Payments
To power this feature, Stripe uses a smart contract. This contract allows customers to authorize wallets for recurring payments. It removes the need to approve each transaction manually. Stripe stated that the system supports over 400 wallets. This design aims to improve the user experience while lowering friction in payments.
Security remains a focus. The smart contracts will undergo review by independent firms. Stripe has yet to establish when these audits will come to an end. The company considers it a move towards the creation of a more streamlined crypto-based billing framework.
Broader Strategy Includes Regulatory Moves
Stripe is also pursuing regulatory alignment. Its subsidiary, Bridge, has applied for a national bank trust charter. The application was filed with the U.S. Office of the Comptroller of the Currency. This puts Stripe in the company of companies such as Circle, Paxos, and Ripple, which are also in need of federal regulation.
In late September, Stripe introduced “Open Issuance,” a platform built through Bridge. This platform enables business organizations to launch their stablecoins. The company aligns this with a larger initiative to expand the stablecoin ecosystem. Stripe continues to invest in crypto services that simplify financial infrastructure for its partners.
Stablecoins Gain Ground in Cross-Border Payments
Stripe reports that stablecoin use is rising among its top clients. Nineteen of the top 20 companies on its platform earn 60% of their revenue outside the U.S. Stablecoins allow these businesses to reduce transaction fees and accelerate cross-border settlements. As a result, some have seen strong growth in stablecoin volumes.
Stripe’s entry into recurring crypto billing coincides with the growth of the stablecoin market. Recently, Stripe and Paradigm launched Tempo to boost stablecoin payments with fast and scalable blockchain tech. Market data shows a stablecoin cap of over $293 billion. Monthly transfer volumes exceed $3.7 trillion. Stripe’s latest move aligns with this momentum and may extend stablecoin use to more mainstream business models.