Question about accepting $USDC for SMEs: Which intermediary should I use?

Hello everyone,

I'm looking into accepting Stablecoin payments for my small business. I see that $USDC is stable and transaction fees seem much lower than credit cards. However, what I don't quite understand is the payment processor part.

From what I've researched, it seems there are two main ways: either we open our own wallet and provide the wallet address for customers to transfer to, or we use a third-party payment gateway that handles the conversion to THB for us. What are the pros and cons of each method? And for an SME just starting out like mine, which option would be more suitable? I'm also concerned about the complexity of managing documents and taxes. Would it be too complicated if I have to handle all the conversions myself? Thanks in advance for your advice.