Card inUSDC out

Paste a wallet.
Take cards.

Accept card, Apple Pay and Google Pay on your store and get paid in USDC on Polygon, straight to your own wallet. Install a ready-made plugin for your storefront or call the API, paste your address, and you are live.

Start accepting

2% Caravel feeNo chargebacksNo KYC for your business

Try the hosted checkout: pick a payment method and press Pay to watch a 136.41 dollar card payment arrive as USDC on Polygon after the card provider's fee, then split between the merchant's wallet and the 2% Caravel fee, and mark the store's order paid. The provider's fee shown is an example.
Caravel Pay

You're paying

$136.41 USD

  • NetworkPolygon
  • Store receivesUSDC
  • Store is notifiedautomatically
Expires in 59:24chk_8Qe2TnV4kR

Pay with

Card payments are handled by a card provider.

Checkout by Caravel Pay

Buyers pay with
  • Visa
  • Mastercard
  • Apple Pay
  • Google Pay
You receive
  • USDC on Polygon

Buyers who already hold crypto can also pay in USDC, USDC.e or POL on Polygon.

Setup

Three steps.
That's the whole setup.

Connect your store, paste the wallet you want paid to, and start taking cards. If you can copy an address, you can run Caravel Pay.

  1. Connect your store

    Install the plugin for your storefront, such as WooCommerce, PrestaShop, Magento or WHMCS, or make one API call from your own site. No integration project.

  2. Paste your wallet

    Any Polygon address you control. Every payout goes there, automatically.

  3. Take cards

    Your checkout is live. The first payment pays you out like every one after it.

Plugins

Works with the store you already run.

Ready-made plugins for 11 storefronts, plus Laravel, PHP and Node.js.

  • WooCommerce
  • PrestaShop
  • OpenCart
  • Magento
  • Easy Digital Downloads
  • WHMCS
  • FOSSBilling
  • Paymenter
  • Blesta
  • HostBill
  • Clientexec
  • Laravel
  • PHP
  • Node.js

See all plugins Something else? Use the API or payment links.

How a payment moves

Your buyer taps a card.
You get USDC.

The buyer never touches crypto, and you never wait on a payout schedule.

  1. Buyer pays

    Card, Apple Pay or Google Pay on the hosted checkout. The buyer pays the order total.

    $136.41, the order total

    awaiting_payment

  2. Card becomes USDC

    The card provider charges the card, keeps its fee and delivers the rest as USDC on Polygon.

    129.59 USDC on Polygon

    confirming

  3. Paid to your wallet

    Once the transfer confirms, what arrived, minus the 2% Caravel fee, is sent to your wallet automatically.

    126.86 USDC to you · 2.73 Caravel fee

    paid

  4. Your store knows

    A signed checkout.paid webhook updates the order, with the payout's transaction hash.

    Order #1042 → Processing

    webhook · 200 OK

API

One call to take a payment.

Create a checkout, send the buyer to its URL, listen for the webhook. Plain JSON over HTTPS, signed with HMAC-SHA256.

  • Safe to retry. The same order_id always returns the same checkout.
  • Signed both ways. Requests and webhooks carry a timestamped signature.
  • Six plain statuses, from awaiting_payment to paid.
  • Webhooks that keep trying. Retried with backoff for up to 24 hours until you answer 2xx.
Read the docs Request signing 
# Sign "timestamp\nMETHOD\npath\nbody" with your secret
BODY='{"order_id":"1042","amount":"136.41","currency":"USD","return_url":"https://shop.example/thanks","cancel_url":"https://shop.example/cart","callback_url":"https://shop.example/webhooks/caravel"}'
TS=$(date +%s)
SIG=$(printf '%s\n%s\n%s\n%s' "$TS" POST /v1/checkouts "$BODY" \
  | openssl dgst -sha256 -hmac "$CARAVEL_SECRET" | awk '{print $NF}')

curl https://api.caravelpay.app/v1/checkouts \
  -H "Content-Type: application/json" \
  -H "Caravel-Merchant: $CARAVEL_MERCHANT" \
  -H "Caravel-Timestamp: $TS" \
  -H "Caravel-Signature: $SIG" \
  --data-binary "$BODY"
201 Created · application/json
{
  "id": "chk_8Qe2TnV4kR",
  "checkout_url": "https://pay.caravelpay.app/c/chk_8Qe2TnV4kR",
  "status": "awaiting_payment",
  "amount": "136.41",
  "currency": "USD",
  "expires_at": "2026-11-09T15:04:12Z"
}

Pricing

2%Caravel fee

Per payment, on every method. No monthly fee. No setup fee.

  • Hosted checkout: card, Apple Pay and Google Pay
  • Automatic USDC payouts to your own wallet
  • Polygon gas for your payout included
  • WooCommerce plugin, 11 more modules and the API
  • Price in euros, pounds or 24 more currencies
  • No chargebacks

Most card providers keep their own fee out of the payment, typically about 5%, so about $93 of a $100 card order reaches your wallet. More on the pricing page.

Start accepting Full pricing details

Sellers who use PayGate directly pay about 3.4% on average (our measurement). Caravel takes 2%. That's about $1.30 more in your wallet on every $100 order.

Drag your monthly sales

$10,000/ month

Caravel fee, 2% $200 a month
PayGate, about 3.4% ~$328 a month

About $128 a month more in your wallet, $1,536 a year.

Why a caravel

A small ship that changed who could trade.

In the fifteenth century, Portuguese shipwrights built the caravel. Its lateen sails could work into a headwind that kept heavier square-riggers in port. A small crew, a shallow draft, and coastlines nobody else could reach.

Caravel Pay is built on the same idea. Card rails on one shore, open chains on the other, and a hull light enough to cross between them. Every integration ends the same way: one field, your wallet address.

Your buyers pay the way they always have. You receive dollars in a wallet only you control, without waiting on anyone's payout calendar.

Sail against the wind.

  • Windward

    Built for merchants the old processors leave on the dock.

  • Shallow draft

    A plugin or one API call. Nothing heavier.

  • Your cargo

    Paid out automatically to your wallet. No balance to withdraw.

FAQ

Good questions.

Straight answers. If yours isn't here, ask us.

Developers
Read the docs
What does it cost?

A 2% Caravel fee on each payment, on every method. There is no monthly fee and no setup fee, and Polygon gas for your payout is covered by the fee.

Most card providers also keep their own fee out of the payment before the USDC arrives, typically about 5%, so about $93 of a $100 card order reaches your wallet. Full pricing details has a worked example, and shows how to let your buyer pay the fees instead.

When do I get paid?

Automatically, as soon as the payment confirms on Polygon. There is no payout schedule, no minimum and nothing to withdraw. How long confirmation takes depends on the card provider and the network.

How do I connect my store?

Save your wallet in the WooCommerce plugin and it connects your store for you. On any other platform, make one API call with your site and wallet, and you get your keys back. No account, no forms.

To change your payout wallet or get a new secret, just connect again. Every payout is on Polygon for anyone to check, and the API lists your checkouts whenever you need them.

Can I keep my prices in euros or pounds?

Yes. Your store keeps its own prices: euros, pounds, kronor and 23 more currencies. When a buyer pays, the order total is converted to US dollars at a rate that is fixed when the checkout is created. Your buyer sees both amounts before paying and is charged in US dollars. You are paid in USDC.

You need version 1.2.0 or newer of your plugin. Stores that don't price in US dollars has the list of currencies and an example.

Which wallets can I use?

Any ordinary Polygon address you control: a self-custody wallet such as MetaMask, Rabby or a hardware wallet works well. Smart-contract wallets can't be used for payouts.

If you paste an exchange deposit address, check that the exchange accepts USDC on the Polygon network. Transfers to an address that can't receive them can't be reversed.

Do my buyers need crypto?

No. They pay by card, Apple Pay or Google Pay. Buyers who already hold crypto can also pay in USDC, USDC.e or POL on Polygon.

Are there chargebacks?

No. Your payout is a final on-chain transfer to your own wallet, so nobody, Caravel Pay included, can pull it back. If a buyer disputes the card payment, that's between the buyer, their bank and the card provider that sold them the USDC. It never reaches you.

Refunds are up to you: send them from your wallet. Card providers can stop serving sellers whose buyers dispute a lot, so fraud still matters.

Is Caravel Pay a bank or a payment processor?

No. Caravel Pay is software: a checkout page, an API and plugins. Card payments are taken by independent card providers, who sell your buyer the USDC. We never see card details or handle bank money, and we don't hold a balance for you: each payment is forwarded to your own wallet automatically.

Do I need to do KYC?

Not for your business. No documents, no company checks, no account: just your wallet and your site.

Your buyers may be asked by the card provider to verify their identity, usually only the first time they buy, depending on their country, the amount and the provider. Caravel Pay never sees their ID or card details.

Which countries can buyers pay from?

It depends on the card provider. Card, Apple Pay and Google Pay availability varies by the buyer's country and the provider's own rules, and the checkout only shows options that buyer can use.

What if a buyer sends the wrong token or too little?

USDC, USDC.e and POL on Polygon are all credited and paid out in the token that arrived, never swapped. If too little arrives, the checkout is marked underpaid and your store is told, so nothing ships by mistake.

Other tokens, or payments on other networks, can't be credited automatically. The checkout goes to review; contact us with the transaction hash and we'll look into it, though recovery isn't always possible.

Start taking cards
today.

Install a plugin or make one API call, paste your wallet, and you're live.

Start accepting Get a plugin