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Several businesses can earn from a stablecoin-card purchase, not just the stablecoin issuer. The payment network, card issuer or program manager, acquirer, wallet and conversion providers, and sometimes a settlement lender each perform a different job. The merchant normally sees a standard Visa or Mastercard authorization, while the crypto balance and conversion work happens behind the scenes. Public disclosures do not show a complete percentage split of the transaction, so no reliable source supports saying that one participant captures a fixed share of every swipe.
What happens when you pay with a stablecoin card?
At checkout, the merchant generally receives the same type of card authorization used for an ordinary card. The blockchain is abstracted from the merchant’s point of sale. A program manager checks the cardholder’s wallet balance, reserves the required stablecoins, converts them when necessary and routes the payment through the card network and settlement partners.
The payment can follow one of two broad settlement designs:
| Model | What happens to the stablecoins | What the merchant receives |
|---|---|---|
| Fiat conversion before network settlement | The program manager converts stablecoins to fiat before settling with the network. The blockchain acts as a ledger for the customer’s balance, while final settlement uses banking rails. | Fiat through the usual acquiring and merchant-settlement process. |
| Direct stablecoin settlement | Eligible Visa Principal Members settle with Visa in supported stablecoins such as USDC. Visa’s digital custodian then converts the funds to fiat for merchant payouts. | Fiat, even though the network-level settlement began in stablecoins. |
The second model can reduce the number of conversion steps for participating institutions, but it does not change the checkout experience for most merchants.
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Who can make money from the swipe?
Payment networks
Visa and Mastercard provide acceptance, authorization, network rules, settlement services and related infrastructure. Card volume supports their network economics, although the public announcements reviewed for this market do not disclose a stablecoin-card percentage fee or a transaction-by-transaction waterfall.
Visa reported approximately $5.2 billion in stablecoin-linked-card volume during 2025, a 319% year-over-year increase reported in 2026. By March 2026, Visa said it had more than 130 stablecoin-linked-card programs in more than 50 countries. In an October 2026 release, Visa reported more than 160 programs, nearly 200% year-over-year growth in payment volume and approximately 17% of fiscal-year-2026 year-to-date volume coming from business and commercial programs. Visa also cited a stablecoin settlement run rate above $20 billion annualized.
Mastercard says its partners enable stablecoin spending at more than 150 million merchant locations. Its stated roadmap covers card issuance, merchant settlement and cross-border payments. Mastercard Chief Product Officer Jorn Lambert summarized the approach: “We’re not just enabling stablecoin transactions — we’re helping to make them safe, compliant and built to last.”
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Issuers and program managers
The issuer or program manager operates the card program, connects the wallet, performs customer and transaction compliance, manages authorization rules and coordinates settlement. It may receive economics negotiated with the network, wallet providers and other partners. The sources do not state the exact amount or percentage retained by this layer.
Acquirers and merchant-side providers
The acquiring bank and related merchant providers accept the authorization, clear the transaction and pay the merchant. Their stablecoin-card pricing is not separately disclosed in the available public material, so it is not possible to assign them a standard crypto-card share.
Stablecoin, wallet and conversion providers
These providers supply the stored balance, custody or wallet connection, on- and off-ramp services, and conversion between stablecoins and fiat. They can earn from disclosed or negotiated fees, spreads or service contracts, but the official announcements do not publish universal terms. The stablecoin issuer therefore may benefit from increased circulation or reserve-related income, but it should not be assumed to receive the card interchange from every purchase.
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Settlement-finance providers
Card programs may have to pay the network every day before they collect funds from cardholders or complete their own conversion cycle. Visa describes Rain using a revolving facility from Credit Coop to fund this working-capital need. A lender providing that facility can earn interest; the commercial rate, fees and revenue split were not published.
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Do Visa and Mastercard earn a fee every time?
They operate the rails that make the authorization and settlement possible, so a program can create network revenue in the same general way that other card volume does. However, the public figures above describe aggregate programs and volume, not a fixed stablecoin-card interchange rate. The amount ultimately paid by a merchant’s acquiring chain can vary by merchant category, country, card type, regulation and contract.
That distinction matters: a card network’s role does not prove that it receives all, or even a stated percentage, of the merchant’s fee. Issuers, program managers, acquirers and other providers can have separate contractual economics.
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Are stablecoin cards cheaper than regular cards?
Not automatically. A stablecoin card may avoid one conversion for a particular user or make cross-border treasury and payout operations faster, but the total cost can include:
- the cardholder’s conversion spread when stablecoins are sold for a purchase;
- wallet, withdrawal or on-ramp fees;
- foreign-exchange costs for a different settlement currency;
- subscription or program fees charged by the issuer;
- network and acquiring costs embedded in the merchant’s ordinary card economics; and
- the cost of liquidity or settlement financing borne by the program.
A regular card can also include foreign-exchange, annual, cash-advance or other fees, so the meaningful comparison is the complete price for the same currency, country, merchant category and funding route. Rewards do not prove that a card is cheaper if a spread or account fee is higher.
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How to compare stablecoin-card programs
Before choosing or integrating a program, compare these dimensions rather than focusing only on the word “stablecoin”:
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| Question | Why it affects economics or risk |
|---|---|
| Which settlement model is used? | Fiat conversion and direct stablecoin settlement have different liquidity, custody and banking dependencies. |
| Who controls the wallet and conversion? | Control determines who sets spreads, handles custody, performs compliance checks and can pause a transaction. |
| Where is the card accepted? | Network reach, country availability and local rules determine whether the card works for everyday purchases or mainly for cross-border and business use. |
| What protections apply? | Fraud monitoring, dispute rights, chargebacks, account freezes and recovery procedures may differ from a bank-issued card. |
| Is it designed for business use? | Treasury, payroll, payouts and supplier payments may need controls that a consumer card does not provide. |
| Are fees and spreads transparent? | A published exchange rate, wallet fee and withdrawal schedule make the real cost easier to calculate than a rewards headline. |
What remains undisclosed?
None of the cited official announcements provides a transaction-level breakdown showing the percentage paid to Visa or Mastercard, the issuer, the program manager, the acquirer, the stablecoin issuer or the wallet provider. They also do not establish that stablecoin cards eliminate swipe fees or that one participant captures all reserve income or interchange revenue.
For consumers, the practical question is therefore not “which single company gets my swipe?” It is which contract governs the conversion, fees, protections and settlement path. For businesses, the key questions are who supplies liquidity, who bears chargeback and compliance costs, and whether direct stablecoin settlement is available in the relevant countries.
Why the business is expanding
Visa’s volume and program counts show that stablecoin-linked cards are moving beyond isolated pilots, while the share of business and commercial volume points to treasury, payouts and cross-border use cases alongside consumer spending. Mastercard’s stated coverage of more than 150 million merchant locations similarly treats stablecoin spending as an extension of existing acceptance infrastructure rather than a separate checkout system.
The growth does not erase the underlying economics of cards. It adds a crypto balance, conversion and custody layer around the established authorization and settlement chain. Each layer can charge for the service it provides, but the exact split remains a matter of private contracts rather than a published industry schedule.
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