PayQuick

PayQuick is a stablecoin payment application built on Arc that enables small merchants and businesses to accept fast USDC payments through wallet transfers and QR code payment requests.

Live demo: https://pay-quick-lime.vercel.app/ Also deployed on GitHub Pages: https://naseer32.github.io/PayQuick/

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Problem

Small businesses often struggle to accept digital payments that are fast, inexpensive, and easy to use across borders. Traditional crypto payments are also awkward for everyday use — the payer needs to already know the merchant's exact wallet address and the right amount, which is error-prone and unfriendly for a non-technical customer.

Solution

PayQuick uses Arc's stablecoin-native infrastructure to make requesting and receiving USDC payments simple. A merchant generates a payment request — amount, currency, and what it's for — and shares it as a link or QR code. The customer just opens it and taps "Pay." No manually copying wallet addresses, no typing in amounts, and every USDC payment is recorded in a transparent on-chain history.

Features

• Connect Wallet — connects to MetaMask, auto-configures Arc Testnet if needed
• Send — send USDC or EURC directly to any wallet address, with an optional memo
• Request Payments — generate a shareable payment request for a specific amount and currency
• QR Code Payments — every request also renders as a scannable QR code
• Payment History — a transparent, on-chain ledger of every USDC payment sent or received
• Built on Arc Testnet

Why Arc?

• USDC as the native gas token — predictable, dollar-denominated fees
• Fast, deterministic finality
• Full EVM compatibility — standard tooling (ethers.js, MetaMask) works out of the box
• Stable transaction fees, well suited for everyday merchant payments

Tech Stack

• HTML / JavaScript (single-file frontend, no backend required)
• ethers.js
• Arc Testnet

How it works technically

The entire app is a single static HTML file — no backend, no database. A payment request is encoded directly into a URL as query parameters (recipient, amount, currency, memo). When that link is opened, the page detects the parameters and renders a "pay this request" view instead of the normal app. USDC payments go through a custom PaymentTracker smart contract's sendPayment function, so they're automatically recorded in the shared on-chain history. EURC — Circle's euro stablecoin — is supported as a second currency via the standard ERC-20 transfer interface.

Smart contract

• PaymentTracker: 0xd0c5f3e9570CcA0E9913522905b164304A692166 (Arc Testnet)
• EURC: 0x89B50855Aa3bE2F677cD6303Cec089B5F319D72a (Arc Testnet)
• View on Arc Testnet Explorer

Try it

1. Open the live demo in a browser with MetaMask (or open it inside MetaMask's built-in browser on mobile).
2. Connect your wallet — PayQuick will prompt you to add Arc Testnet automatically if you don't have it yet.
3. Get free testnet USDC or EURC from faucet.circle.com.
4. Try sending a payment, or create a request and open the link yourself to see the pay flow.

Roadmap

• Merchant dashboard
• Payment receipts
• Invoice generation
• Payment links
• Analytics
• Unified payment history across USDC and EURC

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Built for the Arc Hackathon (Encode Club, Programmable Money on Arc).