On-ramp risk for smaller merchants accepting USDC

Been looking into integrating USDC payments for a small e-commerce site. The off-ramp seems straightforward enough, but the initial on-ramp of fiat into USDC to cover early reversals or refunds for customers, or even just to have some float, feels like it adds a layer of FX risk. I'm assuming most fintechs just absorb this, but for a smaller merchant, is it common to just eat minor $USDC-$USD fluctuations, or are there clever ways to hedge tiny amounts of exposure without full blown FX desks?