How a USDC bill payment reaches your biller in dollars

How does a bill get from my USDC to my biller?

It takes five short steps, and you only do the first.

• First, you approve. You pick the biller, enter your account number and the amount, and approve the payment from your USDC balance. Pay bills with crypto using USDC stablecoins has the steps in the app.
• Second, the balance is spent. The amount and the fees leave your USDC balance, and each fee shows on its own line on the review screen before you approve.
• Third, USDC becomes dollars. A licensed partner converts it under its own license. Artisan does not perform that step.
• Fourth, the dollars ride the bill payment network. This is an electronic route in the US that connects to billers.
• Fifth, the biller posts it. The biller applies the payment to your account the way it applies any other bill payment.

What is the bill payment network?

It is an electronic route in the US that connects to billers, so a payment can arrive in a form the biller already knows how to receive. Billers on it include landlords and property managers, card companies, utilities, phone and internet providers, mortgage servicers and insurers.

Artisan reaches more than 100,000 of them. You search for yours by name in the app.

Why does the biller not need to accept crypto?

Because the biller never sees any. By the time the payment arrives, it is dollars in the standard form the biller already receives. The biller does not need a wallet, does not need an account with Artisan and does not have to change how it collects.

That is also why a card company that will not take another card can still be paid. How to pay your Amex card bill with crypto shows how that works for card bills.

Why does the account number matter?

It is how the biller knows which account the dollars belong to. The payment carries the account number you typed, and your name and address as they appear on the bill, so the biller can match it to you. For a credit card bill, the account number is the card number.

Copy the number from the bill, not from memory. Artisan cannot reverse a payment you authorized because of a mistake, so check the number before you approve. Where your money is explains why.

How long does it take?

The receipt in the app says usually within 2 days. Pay before the due date, not on it.

A bill payment shows as pending until the biller posts it to your account, and that happens on the biller's own timetable. Any late fee is charged by the biller. Why something is pending covers the waits you may see.

What if my biller is not on the network?

Then the payment does not go as a bill, but you can still pay. For rent, once your identity check is done and your own account numbers are open, you can send the money from Artisan by FedNow or standard ACH to the bank details your landlord gives you. A bank transfer shows its own fee before you send. Artisan does not send paper checks.

Search first by the name printed on your lease or bill, because a biller can be listed under a company name that differs from the brand you know. How to pay rent with crypto when you hold USDC has the steps.

What do I see on the receipt?

The receipt in the app says usually within 2 days, so you know when to expect the biller to have the money. Before that, the review screen showed each fee on its own line with the total, and you approved the payment once.

What if a payment is returned?

The docs do not promise a return time or a process, so here is only what is known. A payment is pending until the biller posts it, and nothing is lost while it says pending. If one has been pending much longer than the usual 2 days, have the rough time and the amount ready and use Get help, and we will go and look.

What does it cost?

A processing fee of 2% of the bill plus $2.50, an Artisan fee of 0.5% of the bill, and any network fee shown before you approve. Artisan keeps only its 0.5%. How much it costs to pay a bill with USDC works four example bills out to the cent. If your money already sits in a bank account, paying from that account is simpler. Artisan is for money that sits in USDC.

For a wider look at paying from a stablecoin, read pay bills with USDC.

Who can use it?

Artisan is for people in the US, and it pays US billers. It is open by invite while it grows, and you can join the waitlist.

Artisan is a software company, not a bank, and a USDC balance is not a deposit. Read where your money is and the risk disclosures before you pay a bill.