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docs/pos/payments/onramps.md

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# Onramps
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Onramps are the critical piece of payments. The majority of friction for payments with crypto comes from the challenging
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Onramps are the critical piece of payments. The majority of friction for payments with crypto comes from the challenge
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of onboarding your users in a safe way.
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Below are options for onboarding with accompanying code examples. Onboarding involves handling sensitive information and is best conducted server-side:
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#
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* [Onramp with Stripe](./onramps/onramps-stripe.md)
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docs/pos/payments/onramps/onramps-stripe.md

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* [Stripe API access](https://docs.stripe.com/api)
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* [Stripe SDK](https://github.com/stripe/stripe-node)
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### Server
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```curl

docs/pos/payments/overview.md

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Polygon has a dozens of payment options for developers. In this section, we'll cover the basic architecture of payment flows to better understand how they work.
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In this section, we'll cover what Polygon offers for payment developers.
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We're also highlighting some of the best options available on Polygon today.
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## Fast & Affordable Finality
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With the upgrade to Heimdall v2, deterministic finality on Polygon chain is now achieved between 2-5 seconds thanks to the 1-2 seconds block time in Heimdall, meaning miletones are voted on and finalized much faster.
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This offers fast finality with reliability on payments made on Polygon.
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[Read more about finality here.](../concepts/finality/finality.md)
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## Payment Infrastructure
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Polygon is the choice for major payment projects due to the hundreds of third-party options available on the network:
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* **Onboarding and Payments:** [Stripe](https://docs.stripe.com/crypto/stablecoin-payments),
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[Shopify](https://depay.com/plugins/shopify), [MoonPay](https://dev.moonpay.com/docs/on-ramp-overview), [Bridge](https://apidocs.bridge.xyz/), [Revolut](https://www.revolut.com/en-US/), [BlindPay](https://blindpay.com/docs/getting-started/quick-start-payin), [Payy](https://payy.link/), [Avenia](https://avenia.io/), [Crossmint](https://crossmint.io), [MoonPay](https://dev.moonpay.com/docs/on-ramp-overview), [Transak](https://docs.transak.com/), [Ramp](https://docs.rampnetwork.com/)
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* **Stablecoins:** [USDC](https://developers.circle.com/), [USDT](https://tether.to/en/why-tether), Agora, Axelar, [DAI](https://docs.makerdao.com/smart-contract-modules/dai-module/dai-detailed-documentation), [FRAX](https://docs.frax.finance/fraxlend/abi-and-code)
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* **KYC / Compliance:** [Sumsub](https://docs.sumsub.com/docs/overview), [Onfido](https://documentation.onfido.com/), [Persona](https://docs.withpersona.com/getting-started), [Chainanalysis](https://www.chainalysis.com/), [TRM](https://www.trmlabs.com/), [Forta](https://docs.forta.network/en/latest/), [Elliptic](https://developers.elliptic.co/docs/getting-started)
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We're also highlighting some of the best payment options available on Polygon today.
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!!! info
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NOTE: Like all of crypto, payments require handling sensitive data. The following examples are demonstrations of integrations but should not be used in production. In production, sensitive information such as API keys, private-key wallets, etc., should be put in a secrets manager or vault.
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NOTE: Like all of crypto, payments require handling sensitive data. The following examples are demonstrations of integrations but should not be used in production. In production, sensitive information such as API keys, private-key wallets, etc., should be put in a secrets manager or vault.
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## Payments Overview
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For developers, the critical piece of payments is the on- and offboarding of users to stablecoins. The easier the onramps, the faster the users will be able to use your application for payments.
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### On- and Offramps
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Onramps present a gradient of onboarding friction: Users already holding USDT or USDC do not need to be onboarded, however your grandmother or non-crypto friend may have significant friction getting stablecoin support.
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Polygon has tons of options for

docs/pos/payments/transfers/transfer-usdc.md

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!!! info
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NOTE: Like all of crypto, payments require handling sensitive data. The following examples are demonstrations of integrations but should not be used in production. In production, sensitive information such as API keys, private-key wallets, etc., should be put in a secrets manager or vault.
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## USDC
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USDC is ranked as the 7th largest cryptocurrency, with a circulation of $65 billion. Nearly 5 million monthly active users engage with USDC on Polygon protocols. Cost-efficient transactions on Polygon makes it the default chain for USDC payments, especially micro or high-volume payments.
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USDC is a [top stablecoin used for payments on Polygon.](https://defillama.com/stablecoins/Polygon) Cost-efficient transactions on Polygon makes it the default chain for USDC payments, especially micro or high-volume payments.
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### Integrating USDC
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Circle has [excellent documentation,](https://developers.circle.com/) including ready-to-use SDKs and sample applications
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### Gateway integration:
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Gateway collects USDC balances across any chain with USDC. Users need to send USDC to the Gateway Wallet (not an ERC-20), [more details here.](https://developers.circle.com/gateway#setting-up-a-balance)
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Once the users have a balance, they can send
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```ts
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import { createPublicClient, createWalletClient, http, parseUnits } from "viem";

mkdocs.yml

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- Overview: pos/payments/overview.md
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- Onramps:
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- Stripe: pos/payments/onramps/onramps-stripe.md
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- USDC: pos/payments/onramps/onramps-usdc.md
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- MoonPay: pos/payments/onramps/onramps-moonpay.md
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- BlindPay: pos/payments/onramps/onramps-blindpay.md
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- Transfers:
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- Stripe: pos/payments/payments.md
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- USDC: pos/transfers/transfers-usdc.md
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- MoonPay: pos/transfers/moonpay.md
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- Bridge: pos/transfers/bridge.md
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# - KYC / KYB: pos/payments-kit/compliance.md
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- Node how-tos:
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- Prerequisites: pos/how-to/prerequisites.md
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- Sync node using snapshots: pos/how-to/snapshots.md

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