Shift4 Payments today introduced a global stablecoin settlement platform that lets merchants receive funds in USDC, USDT, EURC, and DAI around the clock, bypassing traditional banking hours. The service supports settlement on Ethereum, Solana, Plasma, Stellar, Polygon, TON, and Base, giving merchants 24/7 access to stablecoin liquidity across multiple blockchains.
The launch builds on Shift4’s 2024 “Pay with Crypto” initiative, which enabled merchants to accept Bitcoin, Ethereum, Solana, and stablecoins and automatically convert them to USD. By adding a dedicated settlement layer, Shift4 aims to capture a larger share of the growing crypto‑enabled commerce market and accelerate transaction volume growth in its core payment processing business.
Shift4 estimates that hundreds of thousands of merchants worldwide will adopt the new platform, with early pilots showing a 12‑15% lift in transaction volume for merchants that already accept crypto. The cost to merchants is expected to be competitive with traditional settlement fees, with a flat 0.5% fee per transaction and no overnight processing charges, positioning the offering as a low‑cost alternative to bank‑based settlement. The platform’s 24/7 availability is projected to reduce settlement lead times from 2–3 business days to minutes, potentially increasing merchant cash flow and repeat usage.
Other payment processors, such as Stripe and Square, have announced similar stablecoin settlement capabilities, but Shift4’s integration with a broad set of blockchains and its existing global merchant network give it a distinct advantage. Shift4’s ability to route settlements across multiple chains also mitigates counterparty risk and offers merchants flexibility in choosing the most efficient network for each transaction.
The platform is fully compliant with AML/KYC regulations and adheres to the U.S. Treasury’s FinCEN guidelines for virtual asset service providers. Shift4 has already implemented robust identity verification and transaction monitoring to meet regulatory requirements, and the company plans to expand its compliance framework as the stablecoin ecosystem evolves.
Analysts have noted that while Shift4’s stablecoin platform is a strategic win, concerns remain about near‑term volume growth. Some analysts have lowered their revenue guidance for the upcoming quarter, citing revised fourth‑quarter volume expectations and macro uncertainty. Nonetheless, the consensus remains bullish, with a “Buy” rating across 20 analysts, reflecting confidence in Shift4’s long‑term fundamentals and its ability to capture crypto‑enabled commerce.
Pietro Moran, Shift4’s Director of Crypto, said the launch “is a natural extension of our crypto strategy and will give merchants the flexibility and speed they need in a 24/7 global economy.” He added that the platform will support businesses worldwide as stablecoins continue to play an increasingly important role in modern payments.
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