Coinbase Business
Custodial Coinbase business account for accepting stablecoin payments, payment links and invoices.
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Coinbase Business key facts
| Category | Crypto payments |
|---|---|
| Platforms | Web, API |
| Custody | Custodial |
| US availability | Available in the US and Singapore |
| Fees | Fee on each completed payment; rate shown only inside the account |
| Chains | USDC on Ethereum, Base, Polygon, Optimism, Avalanche and Arbitrum; USDT on Ethereum |
What is Coinbase Business?
Coinbase Business is a custodial business account from Coinbase for taking stablecoin payments through payment links, invoices and a checkouts API. coinbase.com/commerce now redirects to it. Coinbase says it is available in the US and Singapore, and funds land in the account in seconds with no chargebacks.
How Coinbase Business works
Coinbase Business is an operating account, and payments are one part of it.
You collect money through payment links (single-use or reusable, with optional minimum and maximum amounts), invoices, or the Checkouts API, which adds stablecoins to an existing checkout. Customers pay in USDC from any wallet on Ethereum, Base, Polygon, Optimism, Avalanche or Arbitrum, or in USDT on Ethereum. Funds settle in USDC to your account within seconds, 24/7.
From the same account you can send payouts to individuals or businesses, trade more than 200 crypto assets, hold USDC that is opted in to rewards by default, and convert USDC to USD or set up automatic bank withdrawals. Developers get Coinbase Developer Platform access. The Coinbase Business API added Payment Links in October 2025, Payment Links webhooks in November 2025 and an Invoicing API in December 2025.
How to start with Coinbase Business
- The account is open to businesses in the US and Singapore.
- The application is free: sign up, get approved, connect your bank, then fund the account by bank transfer or crypto.
- Coinbase says there is no lockup or minimum holding period for moving between crypto and your bank.
- Online stores can add stablecoin payments with plugins or the Checkouts API, while payment links and invoices need no code at all.
Coinbase Business fees and limits
Coinbase charges a fee on each completed payment but shows the rate only inside the logged-in account. Automatic conversion from USDC to USD also carries a fee that is shown only there. Coinbase says the payment fee is lower than traditional card processing fees without stating a number, so ask for the rate before you commit volume. There is no fee to apply.
Risks to know before using Coinbase Business
- Payments settle into your Coinbase Business account.
- Coinbase states it is not a party to transactions between you and your customers and is not responsible for the goods or services you sell, and stablecoin payments cannot be charged back, so refunds and disputes are yours to handle.
- Its terms footnote says access to funds may be delayed during rare periods of high withdrawal requests, and USDC reward rates vary by region and ongoing experimentation.
Coinbase Business alternatives
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Where Coinbase Business ranks on DappAtlas
Coinbase Business pros and cons
- Payments settle to the account in seconds, 24/7
- Stablecoin payments are final, with no chargebacks
- Payment links and invoicing built in
- Only available in the US and Singapore
- Per-payment fee is not published; visible only after login
- Custodial: funds sit in a Coinbase account
Coinbase Business FAQ
What is Coinbase Business?
Coinbase Business is a custodial business account from Coinbase for taking stablecoin payments through payment links, invoices and a checkouts API. coinbase.com/commerce now redirects to it. Coinbase says it is available in the US and Singapore, and funds land in the account in seconds with no chargebacks.
How much does Coinbase Business cost?
Fee on each completed payment; rate shown only inside the account, according to Coinbase Business’s own page (checked Sep 26, 2026).
Is Coinbase Business available in the US?
Available in the US and Singapore, according to Coinbase Business’s own page (checked Sep 26, 2026).
Does Coinbase Business hold my funds?
Yes. Coinbase Business is custodial: it holds the keys to your balance.
Sources
How this page works
Sources: Coinbase Business: official site, Coinbase: Coinbase Business, Coinbase Developer Docs: Coinbase Business changelog. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.