On this page
- Onchain commerce is an ordinary online sale whose payment is a blockchain transfer from the customer's wallet to the merchant's.
- With Fianto the price goes straight to your wallet in the transaction the customer signs; the order counts as paid once Solana finalizes it.
- Cards still win when your customers do not hold stablecoins, when you need tax handling or fiat payouts, or when buyers expect a dispute process.
What does onchain commerce mean?
Onchain commerce is buying and selling where the payment is recorded on a public blockchain instead of passing through a card network. The goods are the same: software licences, memberships, courses, services, event tickets. The storefront can look the same too. Only the money takes a different road.
The term gets stretched to cover NFTs, token launches and anything with "web3" in the pitch. This post uses the narrow meaning a merchant cares about: a customer pays for something you sell, in a stablecoin, from a wallet they control. A stablecoin is a token that tracks a currency; Circle says USDC is "a regulated digital currency you can redeem 1:1 for US dollars" (read 15 October 2026). Fianto accepts USDC on Solana and nothing else.
What does an onchain checkout look like to the customer?
An onchain checkout asks the customer to connect a wallet and sign one transaction, where a card checkout asks for sixteen digits. On Fianto's hosted checkout the steps are:
- The customer opens the checkout from your site, your shop or a payment link and sees the price, the fees and what the wallet needs to hold.
- They connect a wallet. The page accepts any Wallet Standard wallet that can sign a transaction, and its list names nine, among them Phantom, Solflare, Backpack and MetaMask.
- Fianto builds the transaction; the wallet shows it and the customer signs it.
- Fianto sends the signed transaction to Solana and the page shows success once it is confirmed.
There is no account to create and no card form to fill. There is also no way around the wallet: a customer without USDC on Solana and a little SOL for the network fee cannot pay. Paying straight from an exchange account is covered in paying from Coinbase or Binance. What a hosted page adds over pasting your address in an email is in the hosted checkout overview.
Where does the money go after the customer pays?
The money goes straight to your wallet, in the same transaction the customer signs. Fianto never holds it: there is no Fianto balance to withdraw and no payout schedule. The checkout page tells the customer the same thing: "Paid straight to [merchant name]. Nobody holds it in between."
Settlement and fulfilment run on two clocks. The customer sees success when Solana confirms the transaction. Your order turns paid, and your server receives a signed order. webhook, only when the transaction is finalized, the point after which it cannot be rolled back. Until Alpenglow activates on mainnet, scheduled for 21 October 2026, finalizing takes about 12.8 seconds; Solana's Alpenglow page says the upgrade targets roughly 150 milliseconds.
What onchain settlement does not do is convert anything. The USDC sits in your wallet as USDC. Fianto has no off-ramp, no fiat payout and no bank transfer; turning USDC into local currency is your step, with an exchange or another provider, and USDC to local currency walks through the options.
What can you sell onchain without writing code?
You can sell one-off products and monthly or yearly subscriptions on Fianto without code, once your merchant account is approved. Three tools cover it, all in the dashboard:
| Tool | What the customer gets | Limits today |
|---|---|---|
| Shop at <name>.fianto.xyz | A storefront with your products; each purchase is one price of one product, with optional delivery codes shown after payment and emailed when the buyer gives an address | 23 themes, no cart or quantities, no image uploads, no custom domain |
| Payment link | A checkout.fianto.xyz/l/ URL for one price, usable by many payers | No QR code, no custom domain, no API |
| Discount codes | A code typed at checkout: 1% to 99% off, or a fixed USDC amount | No 100% coupon; the discounted price stays at least 0.01 USDC |
Developers can also create checkout sessions from their own server with the API and SDKs, and grant access from signed webhooks. Step-by-step guides: a no-code USDC shop and USDC payment links; the docs page Do I need a developer? sorts out which path fits.
Take your first USDC payment on Solana, step by step. No Fianto fee during the beta.
Accept USDC on SolanaHow does onchain commerce compare with card payments on cost?
On a 40.00 sale, a card payment through Stripe at its US domestic rate costs the merchant $1.46, while a USDC payment through Fianto costs the merchant nothing. Stripe's pricing page lists "2.9% + 30¢ per successful transaction for domestic cards" and a $15.00 fee for each dispute received, as of 15 October 2026. The table counts 1 USDC as $1.
| Card via Stripe (US domestic) | USDC via Fianto | |
|---|---|---|
| Merchant pays on a 40.00 sale | $1.16 + $0.30 = $1.46 | 0 |
| Customer pays on top | Usually nothing visible | The Solana network fee, under $0.01. No Fianto fee during the beta; after it, about 0.1 to 0.5% on top (0.04 to 0.20 USDC here) |
| When the merchant has the money | After the payout schedule | In the same transaction |
| Disputes | Possible, $15.00 each | None; refunds are sent by you |
The fee gap is real but rarely the deciding factor on its own. USDC vs card fees runs the same arithmetic for a monthly plan, where card fees repeat every charge.
When are cards still the better choice?
Cards are the better choice when most of your buyers have never held a stablecoin. Asking them to buy USDC, move it to Solana and keep some SOL is a bigger hurdle than any fee you save, and you will lose those sales. Onchain checkout fits buyers who already have a funded wallet, or a business that cannot get or keep a card processor.
Cards also win on the work around the payment. Before choosing onchain, check what you would be taking on yourself with Fianto:
- No tax calculation or collection. Fianto adds no VAT or sales tax to a price; VAT and sales tax on USDC sales covers what that leaves to you.
- No refund API and no chargebacks. A refund is a USDC transfer you send from your own wallet, and a buyer has no bank to complain to, which some buyers will dislike.
- No fiat. Your revenue stays in USDC until you convert it.
- No invoices, no test mode and no team logins.
- Approval first. Fianto reviews every merchant before any payment, and no review time is promised.
- USDC on Solana only. A customer holding another token or chain has to convert or bridge first.
You can also run both: cards for everyone, USDC for the customers who ask. Fianto does not replace a card processor; it adds a second way to get paid. Accounting for that second stream is covered in accounting for USDC revenue.