dtcpay

dtcpay: a Regulated Stablecoin and Fiat Payments Platform for Modern Merchants

If you are exploring ways to accept digital currencies alongside traditional methods, dtcpay is worth a close look. It is a Singapore-based payments provider focused on letting businesses accept stablecoins and card payments online and in-store, while settling funds in the currencies that work for your business. dtcpay positions itself as a licensed and compliance-first company, pairing a stablecoin-centric approach with practical merchant tools, clear onboarding, and support for both ecommerce and physical locations.

What is dtcpay

dtcpay is a payments company that combines stablecoin acceptance with familiar checkout experiences. The platform offers merchant tools for online checkouts, Pay by Link invoicing, point-of-sale terminals, and a multi-currency account for swapping and settling funds. The idea is straightforward. Your customers can pay with selected stablecoins or other supported methods, and you can receive payouts in fiat that matches your treasury needs.

Why merchants pay attention

• Clear value proposition for reducing friction on cross-border transactions

• Stablecoin acceptance designed for predictable settlement and reconciliation

• Multiple acceptance modes in one stack so you can cover online and in-store

• An emphasis on compliance and transparent operational policies

Core Product Suite

Online checkouts

dtcpay provides APIs and SDKs so merchants can add digital asset acceptance to an existing checkout without disrupting the customer journey. The checkout experience is designed to be familiar for shoppers and operationally simple for your team. You can route certain customer segments to pay with stablecoins while still presenting card and other local methods as needed. For growing brands, this keeps experimentation low risk. For larger enterprises, the developer-first approach supports deeper integration and custom flows.

Pay by Link

Pay by Link lets you generate a hosted payment link that you can share through email, chat, or invoices. This is useful for one-off collections, high-touch sales, and scenarios where you do not yet have a full ecommerce stack but still want to accept stablecoin payments. You create a link, send it to the customer, and funds arrive according to your chosen settlement setup. It is also a quick way to test demand in new markets before dedicating engineering time.

Point of sale for in-store payments

dtcpay’s POS solution gives brick-and-mortar locations a way to accept stablecoins at the counter alongside mainstream methods. A single terminal supports multiple payment types and can be deployed in single stores or across a chain. The operational details that matter to store managers are documented, including terminal support hours and replacement options. That makes it easier to forecast total cost of ownership and plan rollouts. For categories like luxury retail, clinics, or tourism-heavy storefronts, QR-based stablecoin acceptance can reduce foreign card declines and currency conversion friction.

Multi-Currency swap account

This account layer is the bridge between what customers pay and how your finance team wants to receive. You can accept a supported stablecoin at checkout, convert if needed, and settle into a linked bank account in fiat. The account also supports funding and withdrawals so you can move value between stablecoins and fiat efficiently. For finance and treasury teams, the main appeal is predictable reconciliation, shorter settlement cycles, and the ability to keep customer payments and internal payouts on rails that fit the business.

Global Pay for payouts and transfers

Global Pay is positioned for cross-border transfers. It supports both fiat and major stablecoins and targets same-day processing across a wide set of corridors. If you run multi-entity operations or pay international suppliers and contractors, this module can reduce payout friction. The most important step during evaluation is to confirm the exact corridors, currencies, and cut-off times that matter for your business and to align them with your internal approval workflows.

dtcpay card for spend

dtcpay also offers a payment card that converts supported stablecoins to fiat at the point of sale so you can spend with standard merchants. While this is less about inbound acceptance, it signals an end-to-end approach to stablecoin utility. For companies that want a closed loop from acceptance to treasury to corporate spending, it can simplify the last mile of expense management.

Coins and Currencies

dtcpay emphasizes a stablecoin-first approach for its digital asset services. For merchants, that means focusing on assets that are pegged to fiat and designed for lower volatility relative to traditional cryptocurrencies. This simplifies accounting and reduces the risk of price swings between authorization and settlement. It also makes it easier to write clear refund and reconciliation policies. Always confirm the current list of supported stablecoins, networks, and any transaction limits during onboarding because supported assets can evolve as regulations and market standards change.

Compliance, Risk, and Chargebacks

A core operational difference between stablecoin payments and card payments is the chargeback model. Stablecoin transactions do not follow the traditional card chargeback flow. This can reduce disputes for certain categories, though it shifts responsibility to well-designed refund policies and responsive customer support. dtcpay’s onboarding includes business verification and KYC, and the company presents itself as operating within clear regulatory frameworks. For merchants, this translates to a familiar compliance posture with additional controls around wallet screening and transaction monitoring.

Where dtcpay Fits Best

Omnichannel retail and quick-serve use cases

If you run both ecommerce and physical stores, dtcpay’s ability to cover online checkout, Pay by Link, and POS with one provider helps simplify vendor management. Stablecoin acceptance can appeal to international shoppers who value speed and predictability. It can also reduce card processing friction on higher-ticket items where declines or authorization limits are common.

Healthcare, luxury, and high-value purchases

Clinics, wellness providers, and luxury retailers often combine high average order value with international clientele. In these contexts, a QR-based stablecoin flow with immediate confirmation can shorten checkout time, minimize currency conversion headaches, and reduce chargeback exposure. Clear refund policies and staff training are crucial to maintain service standards.

Cross-border payouts and marketplace operations

For companies that pay suppliers or sellers across borders, combining stablecoin rails with fiat settlement can tighten payout cycles. The value is especially strong for marketplaces, software platforms with global vendors, and cross-border services where traditional methods are slow or costly. The deciding factor is whether your specific payout corridors and volumes are fully supported with service levels that meet your internal SLAs.

Conclusion

dtcpay is building a regulated bridge between stablecoins and traditional payments. For merchants, the proposition is clear. Accept stablecoins alongside familiar methods, settle in fiat where needed, and manage everything within one platform. The strongest fits are brands with cross-border customers, high-value purchases, or omnichannel footprints that benefit from faster settlement and reduced card friction. As with any provider, validate the current feature set in your target markets, confirm the exact list of supported stablecoins and corridors, and align POS logistics and SLAs with your operating model before rollout.