The easiest way to accept stablecoin payments.
Accept USDC and EURC on your website with a single line of code. No banks, no borders, no delays.
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Fivo is a stablecoin payment gateway that lets merchants accept USDC and EURC payments across 9 blockchain networks with instant settlement.
Built on Circle infrastructure (Programmable Wallets + Bridge Kit SDK), Fivo handles cross-chain bridging automatically. A customer can pay from any supported network and the merchant receives funds on their preferred chain.
1. Select network Customer picks any chain. Balances shown in real time. |
2. Confirm payment Full fee breakdown. One-click confirmation. |
3. Done Confirmed on-chain. Merchant receives instantly. |
Add the Fivo script once and place payment buttons anywhere on your page:
<script async src="https://checkout.fivo.finance/v1/fivo.js"></script>
<fivo-button
merchant-id="your_merchant_id"
amount="25.00"
currency="USDC">
</fivo-button>This renders a "Pay with Fivo" button that opens a checkout modal. The customer connects their wallet, selects a network, and pays. All without leaving your site.
Example: Fivo payment buttons integrated in a product catalog
For variable amounts (donations, tips), omit the amount attribute and the customer enters the amount themselves.
Create a payment session server-side and redirect your customer:
curl -X POST https://api.fivo.finance/checkout/sessions \
-H "X-API-Key: your_api_key" \
-H "Content-Type: application/json" \
-d '{
"amount": "25.00",
"currency": "USDC",
"return_url": "https://yoursite.com/success",
"cancel_url": "https://yoursite.com/cancel"
}'For full control, use the REST API to build custom payment flows. See the API Reference.
Customers pay from any supported network. If the merchant's wallet is on a different chain, Fivo bridges the funds automatically via Circle Bridge Kit, with full fee transparency before confirmation.
Bridge Kit handles the entire cross-chain flow (approve, burn, attestation, mint) in a single transaction from the customer's perspective. No intermediate wallets, no manual steps.
Track payments in real time, manage wallets across chains, configure webhooks, issue refunds, and withdraw funds with automatic invoice generation.
See Fivo in action on a fully working demo e-commerce site. Browse products, add to cart, and complete a real checkout flow using testnet USDC.
| Network | USDC | EURC | Cross-Chain |
|---|---|---|---|
| Ethereum | Yes | Yes | Bridge |
| Polygon | Yes | Yes | Bridge |
| Avalanche | Yes | Yes | Bridge |
| Arbitrum | Yes | Yes | Bridge |
| Base | Yes | Yes | Instant |
| Optimism | Yes | Yes | Bridge |
| Linea | Yes | No | Bridge |
| Unichain | Yes | No | Bridge |
| Sonic | Yes | No | Bridge |
The merchant receives on their chosen network regardless of which chain the customer pays from.
- Multi-chain. 9 EVM networks, one integration
- Cross-chain bridging. Automatic via Circle Bridge Kit
- Stablecoins only. USDC and EURC, no volatility
- Instant settlement. Funds arrive in your wallet, not a bank account
- Multi-language. Dashboard, widget, docs and emails in 5 languages (EN, ES, FR, DE, PT)
- Customer notifications. Payment receipts and refund confirmations sent to customers via email
- Refunds. On-chain refund execution with receipt PDF
- Invoicing. Automatic invoice per withdrawal with PDF generation
- Webhooks. HMAC-SHA256 signed, real-time payment notifications
- Enterprise security. 2FA, API key management, audit trail
Fivo provides a full testnet environment so you can integrate and test without risking real funds.
| Service | Mainnet | Testnet |
|---|---|---|
| Dashboard | fivo.finance | test.fivo.finance |
| API | api.fivo.finance | api-test.fivo.finance |
| Widget | checkout.fivo.finance | checkout-test.fivo.finance |
How to test:
- Register at test.fivo.finance — you'll get a testnet merchant ID (
fivo_test_*) - Get free testnet USDC from the Circle Faucet
- Integrate the widget pointing to the testnet script:
<script async src="https://checkout-test.fivo.finance/v1/fivo.js"></script>
<fivo-button
merchant-id="fivo_test_your_id"
amount="10.00"
currency="USDC">
</fivo-button>- Make test payments, configure webhooks, and verify everything works
- When ready, register at fivo.finance to get your mainnet merchant ID (
fivo_live_*) and go live
Both environments are fully independent with separate databases, wallets, and API keys.
Stay up to date with product announcements, integration guides, and industry insights on the Fivo Blog.
- No monthly fees
- No setup costs
- 0.5% fee on withdrawals only
- Free account creation in 30 seconds
- Circle Programmable Wallets. Secure wallet infrastructure
- Circle Bridge Kit SDK. Cross-chain USDC/EURC transfers
- USDC. Fully reserved, regulated stablecoin
- EURC. Euro-backed stablecoin by Circle
Copyright 2025-2026 Fivo. All rights reserved.