Payments, page 2.
How crypto payments work for a merchant: gateways, custody, fees, settlement, confirmations and the mistakes payers make.
International customers without card FX fees: cross-border card costs and the USDC alternative
A card payment from abroad costs the merchant more than a domestic one: as of 15 October 2026, Stripe adds 1.5% for international cards in the US and 2% for currency conversion in the UK, and the customer's bank may add its own foreign exchange fee. A USDC payment on Solana has no currency conversion inside it, because the customer pays the same USDC amount you set, wherever they are. The conversion does not vanish, though: the customer may convert local money to get USDC, and you may convert USDC back to spend it.
PaymentsCan anyone see my revenue? Privacy on a public blockchain for merchants
Yes. Anyone who knows your receiving wallet's address can see every USDC payment into it on Solana: the amount, the time and the paying wallet, and from that a fair estimate of your revenue. What they cannot see from the chain is who the wallets belong to, what was bought, or your order IDs and customer emails, which Fianto keeps off chain. Fianto has no privacy feature that hides payments; the honest mitigations are about which wallet you use and what you link to it.
PaymentsDo merchants need to KYC crypto payers? What FATF, FinCEN and the IRS say
The FATF standards and FinCEN's guidance write KYC duties for financial intermediaries: FATF's 2021 guidance says a merchant accepting virtual assets as payment is not doing a VASP activity, and FinCEN's 2019 guidance says a person paying from their own unhosted wallet for goods is not a money transmitter. Other laws can still ask a business for a payer's details, such as the IRS cash-reporting rule, and your bank or lawyer may ask for more. Fianto never asks payers for ID; this post quotes the texts as of 15 October 2026 and is not legal advice.
PaymentsVAT and sales tax on sales paid in USDC: the EU, UK and US rules
Taking USDC instead of cash or a card does not take a sale out of VAT or sales tax. HMRC says VAT "is due in the normal way" on goods or services sold for cryptoassets, valued in pounds at the moment of the sale, and New York treats paying with virtual currency as a barter, with sales tax on taxable goods or services due in US dollars. Fianto adds no tax to a price and files nothing, so any tax has to sit inside the price you set.
PaymentsWhat is onchain commerce? Selling online when the payment is a blockchain transaction
Onchain commerce means selling online when the payment itself is a blockchain transaction: the customer signs a transfer of a stablecoin such as USDC from their own wallet, and the money lands in yours in that same transaction, with no card network or processor balance in between. In practice you still have a product page, a checkout and an order record; what changes is that there are no chargebacks, no payout delay and no card fee, and that your customer needs a wallet holding USDC and a little SOL. On Fianto the merchant pays nothing per sale, and Fianto takes no fee during the beta.
PaymentsSanctions and crypto payments: OFAC basics for small merchants
OFAC applies the same sanctions duties to a crypto payment as to a dollar one: its FAQ 560 answers "Yes, the obligations are the same", and its civil penalties generally rest on strict liability. OFAC puts some wallet addresses on its SDN list (1,063 distinct address entries in its data as of 14 October 2026, four of them Solana addresses) and says those listings are "not likely to be exhaustive". Fianto checks no list automatically: its team can block a payer wallet by hand, which stops new checkouts and renewals from that wallet.
PaymentsWhat is a blockchain transaction? A merchant mental model, with one real USDC payment
A blockchain transaction is a signed request that asks the network to change some accounts, such as moving 25 USDC from a customer to a shop, and that the network either runs in full or not at all. On Solana it holds a list of instructions, the accounts they touch, a recent blockhash that makes it expire, and the signatures of whoever authorises it. A one-off Fianto payment today is three instructions and one signature, the customer's, and costs the customer 5,060 lamports of network fee as Fianto builds it.
PaymentsAI agents paying with stablecoins: the rails that exist on 15 October 2026
As of 15 October 2026, an AI agent can pay in stablecoins through two working mechanisms: x402, which puts a stablecoin payment inside an HTTP request, and Solana's Allowances, which let a person give an agent a capped, expiring budget it spends on its own. Both are live and documented by the teams behind them; Coinbase's developer platform says it has processed more than 100 million x402 payments across Base and Solana. Fianto implements neither: its checkout is built for a person with a wallet, and the Fianto agent skill helps coding agents write integrations, it does not let an agent pay.
PaymentsCrypto payment terms for merchants: a glossary of wallets, tokens, transactions and billing
Most of the jargon in a crypto payment names one of five things: the wallet and accounts that hold the money, the token and its units, the transaction that moves it, the approval behind a subscription, and the merchant tools around the sale, plus two scams that target wallets. This glossary defines fifty of those terms in a sentence or two each, as they apply to USDC on Solana, and links every one to the post that explains it in full. Where Fianto has a specific number, such as 6 decimals for USDC or four attempts at a failed renewal, the definition gives it.