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DAI payment gateway
DAI is the original decentralized dollar – overcollateralized, on-chain, and used across DeFi for nearly a decade. 0xProcessing operates as a DAI payment gateway built for merchants who want stablecoin predictability without a card network or correspondent bank in the loop. Settle every invoice in the coin and convert it into USDT/USDC.
+100 more
coins across 21 networks
5/5 (38)
6+
years in the market
$2B+
in total transaction volume
1,000+
satisfied clients
14M+
transactions processed
How DAI payments work
The customer selects DAI
The customer picks funds at checkout.
Window generated
A payment window opens with the exact DAI amount and a unique address.
The customer sends funds
The customer sends the funds from any supported network.
Receive funds instantly
The transaction confirms on-chain, and the funds land in your merchant balance within seconds.
Tools for accepting DAI payments
We give merchants every tool needed to start accepting DAI, from one-line snippets to full API integrations.
Why accept DAI payments?
Soft dollar peg
Usually trades within basis points of $1.00, held by overcollateralization rather than fiat reserves. Quickly restored peg after the March 2023 USDC depeg.
A flagship decentralized stablecoin
Around $5.3 billion market cap as of May 2026, third-largest stablecoin overall. Pioneered the decentralized-dollar category.
DSR yield
The Dai Savings Rate currently pays approximately 8% annualized to holders, which keeps coin moving in DeFi and across exchanges.
Real backing
DAI is overcollateralized by ETH, wBTC, stETH, and a growing share of real-world assets governed on-chain by Sky Protocol.
Multi-chain
Available on Ethereum, Arbitrum, Optimism, Polygon, Base, and BNB Chain.
Predictable settlement
Fast and reliable finality on Ethereum and major L2s – from a few seconds on Base and Arbitrum to minutes on Ethereum.
DAI payment methods
Pick the integration that fits your business model. All methods support the same 0xProcessing infrastructure: real-time webhooks, full audit logs, and 99.9% acceptance rate.
Online checkout
Embed a pre-built payment page into your store or platform. Customers see a clean, mobile-optimized form and pay in DAI or any of 100+ supported assets.
API integration
Full programmable control over the payment flow. Connect your platform directly to our gateway with REST endpoints, webhook callbacks, and detailed documentation.
Payouts
Send tokens to contest winners, community contributors, or service providers in batches.
Possible DAI operations
What is a DAI payment?
This is payment is a transfer of the stablecoin from a buyer's wallet to settle an invoice. DAI is a smart-contract stablecoin: every unit in circulation is backed by collateral locked in vaults on Sky Protocol (formerly MakerDAO), with the peg maintained algorithmically and through governance. For merchants, this gives you all the upside of stablecoin settlement – no chargebacks, no card declines, instant on-chain transfer – without exposure to a single bank issuer. If the customer's country has trouble with USDC or USDT for whatever reason, the coin usually still works.
Background on DAI
Launched December 18, 2017, upgraded to Multi-Collateral DAI in November 2019.
Pegged 1:1 to the US dollar through overcollateralized vaults.
Backed by a mix of crypto collateral and tokenized real-world assets, which now make up a significant share of the protocol's collateral and revenue.
Available on Ethereum, Arbitrum, Optimism, Polygon, Base, and BNB Chain.
Market cap around $5.3 billion as of May 2026, ranking as the 3rd-largest stablecoin overall.
MakerDAO rebranded to Sky Protocol in September 2024; by May 2026 the protocol is actively migrating DAI to USDS, though the original contract still operates on Ethereum and major L2s.
Key features
DAI payment processor
Why merchants run DAI checkout through 0xProcessing:
High acceptance rate
No geographic restrictions and lightning-fast payment processing.
Reliable security
Modern technical solutions to bypass potential threats and guarantee the reliability of financial transactions.
White label
Customizable white-label payment forms.
Wide selection
Accepts a wide range of payment methods and cryptocurrencies.
Instant withdrawal
Fees are charged only when depositing funds.
Simple API integration
Start receiving payments quickly with a simple API connection.
What our clients say:
“Our store's USDT payment integration was a breeze using 0xProcessing. The assistance was top-notch, and everything went off without a hitch. Our confidence in the safety of our financial dealings has grown.”
Olga M.
E-commerce manager
What our clients say:
“Thanks to our partnership with 0xProcessing, we can now provide our global consumers with rapid, fee-free Ethereum transactions.”
Thomas J.
Operations Manager
What our clients say:
“The USDC solution from 0xProcessing has drastically cut down on our transaction expenses while also streamlining our payment process. Strongly suggested for any company considering accepting cryptocurrency payments.“
Sarah L.
CFO
What our clients say:
“It was a great decision to use 0xProcessing for payment processing in GameFi projects. Both the API's simplicity and the speed with which transactions are processed are noteworthy. Our productivity has skyrocketed thanks to this.”
Alex K.
Game developer
How to accept DAI payments
E-commerce and other enterprises may start 0xProcessing with these steps:
1
Submit a request
2
Confirm the information
3
Get onboarding
4
Add the DAI payment button to your website.
Solutions for industries
100+ currencies
Accept payments in other cryptocurrencies
View all
FAQ
Everything about dai.
Can my business legally use a DAI payment provider?
Yes, in most jurisdictions. The coin is valued for its on-chain transparency and overcollateralization, which makes it relatively straightforward from a compliance standpoint. We handle KYB and run real-time AML on every transaction.
How long does setup take?
Most merchants go live within a week. Payment links can go live the same day.
Will DAI stay around, given the Sky Protocol migration?
Yes, for payments. As of May 2026, Sky Protocol is migrating DAI to its successor, USDS. Coinbase delisted coin trading on May 4, 2026, and Binance ran an automatic backend conversion of DAI balances to USDS, so the coin no longer trades on those exchanges. But its contract keeps running on Ethereum and most L2s, and it stays active across DeFi and merchant infrastructure. That means accepting it through 0xProcessing remains fully available, with auto-conversion to USDT or USDC at settlement, removing any liquidity concern on the merchant side.
What do DAI merchant processors charge?
At 0xProcessing, a single processing fee is applied to completed transactions. 0% on payouts. No setup or maintenance fees.
Which networks does the DAI payment method cover?
How does DAI differ from USDC when accepting payments?
USDC is issued by Circle and backed by a bank deposit reserve. DAI is issued through smart contracts and backed by on-chain collateral. For merchants who want decentralized dollar settlement without banking counterparty risk, the second one fills that role.
Can I issue refunds in the coin?
Yes. Through the dashboard or the API, you trigger a refund to the original sending address. Because crypto payments are final on-chain, the refund is a separate outbound transaction, not a reversal – your accounting needs to handle it as such.
Start accepting dai payments today
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