ArcPay

USDC payments on Arc Network. Tips, subscriptions, paywalls, and pay-per-call billing. Built for creators, developers, and AI agents.

What ArcPay is

ArcPay is the Stripe of USDC on Arc. A unified protocol for every USDC payment pattern:

💸 Tips — one-time support with messages
📅 Subscriptions — recurring monthly/yearly plans
🔒 Content Paywall — per-item unlock access
⚡ Pay-per-call — x402-compatible API billing

All four share one UsernameRegistry — creators claim @yourhandle once, use it everywhere.

Why Arc

	Existing stablecoin chains	Arc
Gas token	Separate (ETH/SOL/MATIC)	USDC native
Finality	13 seconds to 12 minutes	~0.5 seconds
Cost per tx	$0.01 - $5+	~$0.0001
Regulatory	Varies	Circle-backed, institutional-ready

Get started in 30 seconds

npx create-arc-app my-tip-page

Or install the SDK directly:

npm install @arcpay/sdk

import { ArcPayClient } from '@arcpay/sdk';
 
const client = new ArcPayClient({
  network: 'testnet',
  privateKey: process.env.PRIVATE_KEY,
});
 
// Send a tip to @alice
await client.tips.send({
  username: 'alice',
  amount: '0.005',
  message: 'Great post!',
});

That’s it. Real USDC moves on-chain. No Stripe setup, no KYC paperwork, no $0.30 minimum.

Fee model

2% per transaction (vs Stripe 2.9% + $0.30, Patreon 8-12%).

The protocol fee is capped at 10% and currently set to 2% for all modules.

What’s next

Read the Quick Start to ship your first payment flow in 5 minutes
Explore Concepts to understand the 4 payment modes
Check SDK Reference for the full API
Browse Templates for working starter projects