How it works
From invoice to Arc balance
This guide walks through the full flow for vendors and payers. Bookmark it if you're onboarding a client for the first time.
- 01
Sign in & get your Arc wallet
Use Google to create your Circle programmable wallet on Arc Testnet. Your dashboard shows balance, invoices, and payments immediately.
- 02
Create & send an invoice
Add line items, set a due date, and send to your client's email or Arc address. They receive a pay link — no iPayX account required to pay.
- 03
Client pays from their chain
They connect MetaMask, pick the network where their USDC lives, and confirm a guided flow. Funds route to your Arc address via CCTP.
- 04
You see it on Arc
The invoice marks paid with transaction reference. Your Arc balance updates; activity and overview charts reflect the payment.
Feature deep dive
Professional invoices
Line items, quantities, due dates, notes, and auto-generated invoice numbers. Share a pay link or email the bill directly to your client.
Cross-chain collection
Payers use MetaMask on the chain where their USDC already lives. Circle CCTP routes funds to Arc — no manual bridging instructions in email threads.
Arc wallet balance
Every payment credits your Circle programmable wallet on Arc Testnet. Bridge in from external chains or pay invoices from your Arc balance when logged in.
To pay & sent views
Separate views for bills you owe and invoices you issued. Match payees by wallet, email, or Google account so nothing gets lost after sign-in.
Payer tip: Arc-only receives
If someone sends you USDC on Ethereum or Base to your Arc address, it won't show in iPayX. Use Payments → Receive and share your Arc Testnet address for native Arc USDC only.