# Start Pay, Settle, Scale — with Fiat or Stablecoins. **Infrastructure for Cross-border Payments Orchestration, On/Off-Ramps & Real-time Settlements.** {% embed url="" %} ![](https://cdn.coindpay.xyz/stream/brand/banner/brand_banner_default.jpg) ![](https://4241769897-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FSH3Edva2xmXt469sOUlR%2Fuploads%2FS0GbU8WIJHhL6LnVgd27%2FFrame%202147223159.jpg?alt=media\&token=f2b22aca-7f79-4cb2-b240-1ed0ffbaeb54) ### Overview **CoindPay** is a compliance-first cross-border payments, settlement orchestration, and treasury infrastructure platform designed for merchants, platforms, PSPs, and fintech companies. It connects traditional fiat payment rails with stablecoin-enabled settlement infrastructure, allowing users to pay through familiar local payment methods while merchants receive funds in fiat or stablecoins — without needing to interact directly with blockchain complexity or underlying crypto infrastructure. CoindPay delivers a Stripe-like payments infrastructure experience, including payment links, modular checkout flows, merchant dashboards, APIs, routing, and settlement tooling, while significantly improving cross-border settlement efficiency. Transactions are typically coordinated and settled within minutes, compared to traditional T+N settlement cycles. CoindPay operates as a payment infrastructure and settlement orchestration layer rather than a direct acquiring institution. Fiat payment processing, acquiring, compliance execution, and on/off-ramp conversion are handled through regulated infrastructure and payment partners integrated into our broader ecosystem. We primarily leverage stablecoins where they provide clear advantages in settlement speed, liquidity efficiency, treasury coordination, and global accessibility across cross-border payment environments. **Importantly, we do not engage in investment management, speculative trading, proprietary token issuance, or consumer-facing financial products.** ![](https://docs.coindpay.xyz/~gitbook/image?url=https%3A%2F%2F4241769897-files.gitbook.io%2F%7E%2Ffiles%2Fv0%2Fb%2Fgitbook-x-prod.appspot.com%2Fo%2Fspaces%252FSH3Edva2xmXt469sOUlR%252Fuploads%252FVNDPTRlvretjV6VYQbRp%252Fimage%25201709.png%3Falt%3Dmedia%26token%3D286da2fe-3f8e-4db7-905f-6d926c592252\&width=768\&dpr=4\&quality=100\&sign=afd1cf2a\&sv=2) ### Mission Accelerating the adoption of next-generation payments infrastructure for global businesses and consumers. CoindPay focuses on making compliant, fast, and accessible fiat–crypto payments usable in real-world commerce, digital services, and global online businesses. For creators. For brands. For platforms. For everyone. ### Core Principles * Compliance-first architecture: Progressive KYC/AML based on transaction risk, volume, and jurisdiction * Unified fiat & crypto rails: One integration for cards, local payments, and stablecoin settlement * Real-time settlement: Faster access to funds compared to traditional banking rails * Non-custodial by design: Users and merchants retain control of their assets * Global scalability: Built for cross-border use cases from day one ### What We Provide CoindPay offers a modular and segmented set of capabilities, each supporting different aspects of merchant and creator payments. The structure follows a clear total–subpoint logic: > Payments / Fiat & Crypto Compliance-first infrastructure for cross-border payments, real-time settlement, and stablecoin-enabled treasury orchestration. CoindPay connects regulated payment partners, local payment methods, and global settlement rails to streamline compliant money movement worldwide. ![](https://4241769897-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FSH3Edva2xmXt469sOUlR%2Fuploads%2FqMQdIXi53GPglmwJ98hL%2Fimage.png?alt=media\&token=5ea75023-7791-4a42-b523-e4c789c2bf34) **Merchants and platforms requiring real-time cross-border settlements, supporting both fiat and crypto payments, with low-latency stablecoin settlement.** > Treasury / Liquidity Infrastructure Connect regulated on/off-ramps partners, stablecoin settlement rails, and non-custodial wallet infrastructure through a unified treasury experience. Designed for compliant cross-border settlement, liquidity routing, and real-time treasury operations. ![](https://docs.coindpay.xyz/~gitbook/image?url=https%3A%2F%2F4241769897-files.gitbook.io%2F%7E%2Ffiles%2Fv0%2Fb%2Fgitbook-x-prod.appspot.com%2Fo%2Fspaces%252FSH3Edva2xmXt469sOUlR%252Fuploads%252Fx5BpOXoUag8Fth8z79tA%252Fimage.png%3Falt%3Dmedia%26token%3D68ee39cc-51bd-4a5c-9b22-c9c38623dddc\&width=768\&dpr=2\&quality=100\&sign=951dd6ec\&sv=2) **Businesses needing compliant on/off-ramps flows, non-custodial settlement, and scalable cross-border crypto transactions.** > Commerce Orchestration * 1\. Unified infrastructure for global commerce, embedded finance, and merchant growth across modern internet businesses. * 2\. Custom domains, branded payment experiences, social integrations, and flexible commerce modules help businesses improve conversion and customer engagement globally. ![](https://docs.coindpay.xyz/~gitbook/image?url=https%3A%2F%2F4241769897-files.gitbook.io%2F%7E%2Ffiles%2Fv0%2Fb%2Fgitbook-x-prod.appspot.com%2Fo%2Fspaces%252FSH3Edva2xmXt469sOUlR%252Fuploads%252FEEXTpW7hBaK5TR2MtTpe%252Fimage.png%3Falt%3Dmedia%26token%3Da52d5dca-f0bc-454c-82f3-309b684f4ebb\&width=768\&dpr=2\&quality=100\&sign=d7f46a8a\&sv=2) > Ecosystem Integration Unified checkout flows, white-label payment links, APIs, webhooks, and merchant infrastructure for modern payment operations. Real-time transaction updates, settlement events, and treasury workflows delivered through a single integration layer. ![](https://docs.coindpay.xyz/~gitbook/image?url=https%3A%2F%2F4241769897-files.gitbook.io%2F%7E%2Ffiles%2Fv0%2Fb%2Fgitbook-x-prod.appspot.com%2Fo%2Fspaces%252FSH3Edva2xmXt469sOUlR%252Fuploads%252F5ytfRBndmoPTPxWl4JJS%252Fimage.png%3Falt%3Dmedia%26token%3Db0bfe732-edfd-4621-b750-d9cccfdebbf0\&width=768\&dpr=2\&quality=100\&sign=1c8bc441\&sv=2) ### Compliance & Risk Framework CoindPay is built with a risk-tiered compliance model, designed to balance usability with regulatory obligations: * Progressive KYC/AML thresholds based on user behavior and transaction volume * Jurisdiction-aware onboarding rules * Transaction monitoring and partner-level risk controls We work with regulated service providers and payment partners to ensure alignment with applicable compliance standards across regions. ### Social Links > More information can be found on our social media. *Docs* [https://docs.coindpay.xyz](https://docs.coindpay.xyz/) **All-in-one Social Portal** ![](https://res.cloudinary.com/travary/image/upload/w_2000/v1/prd-akindo-public/communities/description-images/aAWEpP4g0UKPRemG.jpg) # Customers Pay, Settle, Scale — with Fiat or Stablecoins. **Infrastructure for Cross-border Payments Orchestration, On/Off-Ramps & Real-time Settlements.** Global Payments Orchestration Layer？Maybe try [https://coindpay.xyz](https://coindpay.xyz/)
{% file src="/files/j2LdKGU05lHhuAwaN9Bu" %} ## 1. Create Account Before using CoindPay, you need to create an account. This account serves as a **unified identity** for both your developer role and merchant enterprise. Visit the CoindPay website and choose one of the account creation methods: * **Social Account** * Supported social login providers (e.g. Google, X, etc.) * **Wallet** * **EVM wallet** (Ethereum-compatible chains) * **SVM wallet** (Solana) > Note: Even if you sign up using a social account, you will still be required to bind a settlement wallet to complete **and enable payments.**
## 2. Create and Publish Payments {% hint style="warning" %} If merchant KYB compliance is not completed, users will be prompted to complete the KYB onboarding and compliance review. The prompt is triggered via **More → Account profile** or during **Pay → Payments create**, with an onboarding modal. {% endhint %}
**Accept and optimize payments, globally.** Increase authorization rates, optimize your checkout conversion, and offer local payment methods in every market. Choose your Payments type, create one, configure some information, and share it with your fans and consumers. > 1. **Product Details**
> 2. Payment Options
> 3. Widget Design
The window on the right gives you a real-time preview of your Payments. **Just complete all the form information (personalize your media resources and chain) to publish.** ## 3. Manage and Share Payments You can individually change the information about each payment, and its status (running or offline, or even delete it), and you can share the corresponding QR code or link anywhere.
## 4. Use & Integrated Payments 1. Use QR code materials to start your secondary design (posters, etc.) 2. Use the link to share and start experiencing your Payments, which can be embedded in any app. 3. For more details, please refer to our [SCAN](https://coindpay.xyz/scan) data and [Developers](/landing/start/developers) data. Now let's put ourselves in the shoes of the fan or consumer and start shopping and spending, donating, rewarding, and so on! 1. The customer fills in the basic information, the email is required; 2. leave a message, some encrypted notes (optional); 3. Choose the payment methods, fiat or crypto wallet to continue; 4. Connect to the wallet and start the payment, there will be corresponding prompts and on-chain certificates when the payment is in progress, abnormal, or successful. *1️⃣ pay with fiat currencies*
### Single payment ```typescript Charge a one-time fee ```
### Subscription ```typescript Charge an ongoing fee ```
*2️⃣ pay with crypto token*
## 5. Daily Financial Dashboard View and analyze your full chain of asset details in real-time, including basic payer information, messages, etc.
## 6. Wallet Buy/Sell/Swap Crypto Buy and sell crypto. Seamlessly. In seconds. With no-to-low fees. All with CoindPay. The wallet has built-in modules such as Asset Tokens Portfolios and Transactions, Funds, etc. for a one-stop view of the assets and flow of assets in the tied account and other accounts. ### On-Ramps
### Off-Ramps ### Swap Tokens Based on LiFi's cross-chain exchange protocol, we enter into an important strategic partnership.
## 7. Earn Rewards #### About CoindPay Gravity? CoindPay Gravity is a growth initiative for distributing $SCP, aimed at sharing protocol revenue with the community and contributors. | Quests | Amount | Status | | ---------------------------------------------------------------------------------------------------------- | -------------------------------- | ------- | |

Received Funds

Incentive rewards for payments exceeding $100, by increasing function.

| 100 သ 50000 $SCP | Payment | |

Invite Friends

One-time reward for invitees completing their first payment of $100 or more.

|

200（Per user） $SCP

| Invite |
## 8. Upgrade to Premium CoindPay Premium is a membership benefit introduced by CoindPay for high loyalty users and personalized feature trials, including but not limited to member-only certifications, badges, encrypted credit cards, Payments tax discounts and other benefits, see more:
## 9. Social Portal We will continue expanding merchant profile capabilities with custom domains, dynamically added social media integrations, rich media modules, and additional creator-focused features. The goal is to help merchants and creators better showcase their brands, content, and communities by connecting social platforms such as instagram and other social media channels — similar to a modern “link-in-bio” style portfolio and commerce experience.
## 10. More Config & **Integration** One-stop management of your bound wallet, developer events, membership qualifications and other configs. Go to **More → Account/Wallet or Integration/Hooks** to view and manage your developer information, webhook endpoints, and related configurations [/pages/YDXHM7aKp9sJhJZB7ZjT#id-4.-account-and-hooks-settings](https://docs.coindpay.xyz/landing/start/pages/YDXHM7aKp9sJhJZB7ZjT#id-4.-account-and-hooks-settings "mention") # Pay-ins Visually configure payment acceptance, settlement assets, and fund routing in a single workflow. CoindPay supports multiple [Pay-ins](https://coindpay.xyz/pay) and settlement models to accommodate different liquidity, compliance, and cost requirements across global markets.
{% hint style="info" %} Configure the payment method for your Payments Link (see illustration). {% endhint %} ## Pay-in Options CoindPay supports multiple payout and settlement models to accommodate different liquidity, compliance, and cost requirements across global markets. ### 1. Fiat Pay-in → Stablecoin Pay-out ✅ **Status:** Live**（\~5–10 minutes）** * Supports 45+ fiat currencies globally (USD, EUR, GBP, JPY, etc.) * Settlement to stablecoins (**USDT/USDC** on **EVM** and **SVM** networks * Real-time processing and settlement {% hint style="info" icon="badge-dollar" %} **USDC Settlement** {% endhint %} | Primary Wallet | Settlement Chain | | -------------- | ---------------- | | **EVM** | **Base** | | **SVM** | **Solana** | {% hint style="info" icon="circle-dollar" %} **USDT Settlement** {% endhint %} | Primary Wallet | Settlement Chain | | -------------- | ---------------- | | **EVM** | **BSC** | | **SVM** | **Solana** | #### Fees & Pricing（Fiat-to-Stablecoin） **CoindPay Unified Fees** = Risk Coverage + Payment Processing Costs + Banking & Gateway Fees + Settlement Infrastructure Costs + CoindPay Platform Fees（Volume-Based Tier Discounts） The **CoindPay Unified Fees** includes: * **Chargeback risk coverage** (chargeback ratio must remain below **0.5%**, e.g., no more than 5 chargebacks per 1,000 transactions, with cumulative chargeback losses capped at **USD 1,000**); * **Payment processing and gateway costs**, including supported payment methods such as **PayPal, Apple Pay, Google Pay, and card payments**; * **CoindPay platform and payment orchestration fees;** **Volume-based tier pricing**, where unified fee rates decrease as transaction volume increases (e.g., **7%, 6.5%, 6%, 5.5% tiers**), with pricing tiers determined by **merchant profile, fintech partnerships, transaction volume, and payment models**. Additional variables, including **KYC compliance verification costs** (via providers such as Sumsub when applicable), **FX fluctuations**, **digital asset settlement price variations** (e.g., USDC market price deviations from USD parity), and **blockchain network gas fees**, may affect the final settlement amount. These variables are external market and infrastructure factors and may occasionally result in an effective settlement cost above the standard CoindPay Unified Fee. Historically, these adjustments typically represent approximately **1% in aggregate**. **Example: $100 USD Consumer Payment Pay-in > Settlement** A consumer completes a **$100 USD payment** through CoindPay.
ItemRateAmount
Consumer Payment Amount100%$100.00 USD
CoindPay Unified Fees7%-$7.00 USD
Rolling Reserves (if applicable)5%-$5.00 USD
Variable Settlement Adjustments (FX, On-chain Gas, KYC, etc.)0.1%~1%$0.10~$1.00 USD
Final Merchant Settlement Amount~87.5%≈ $87.5 USDC/USDT
📊 **Variable Settlement Adjustments** may include: * KYC compliance verification costs (when applicable) * FX fluctuations * Digital asset settlement price variations (e.g., USDC/USD market deviation) * Blockchain network gas fees **💹 Rolling Reserves** [Rolling Reserves](/landing/start/partners/rolling-reserves#applicability) > A rolling reserve **may be required depending on the merchant's risk profile, industry category, payment model, transaction volume, transaction history, and chargeback exposure.** > > The reserve percentage is determined on a **case-by-case basis** and is not a fixed requirement. Reserved funds are **not a platform fee** and will be released according to the agreed reserve release schedule, subject to applicable risk assessments, dispute handling, and settlement conditions. #### **Settlement & Funds Flow** > End-to-End Fiat-to-Stablecoin Payment & Settlement Infrastructure.
**Best suited for:**\ Global merchants, cross-border payouts, and scenarios requiring fiat collection with crypto-native liquidity and faster capital efficiency.
*** ### 2. Crypto Pay-in → Crypto Pay-out ✅ **Status:** Live**（\~15 seconds）** * Supports 12+ major blockchain networks, including Base, Solana, BSC Chain, and others * Near-instant settlement, typically * Ultra-low network and processing fees * Fully on-chain, no banking dependency
#### Fees & Pricing（Crypto-to-Crypto） **CoindPay Unified Fees =** Blockchain Costs + Infrastructure Costs + CoindPay Platform Fees For **Crypto Pay-in → Crypto Pay-out**, CoindPay currently operates under a **public beta fee structure**: * **Unified Fees: 0% (During Public Beta)** * **CoindPay Platform Fees: 0% (During Public Beta)** * **Rolling Reserve: Not Required** During the public beta phase, merchants can access fully on-chain crypto settlement with near-instant processing and optimized blockchain transaction costs. Future Unified Fee structures may introduce **volume-based tier pricing**, with rates determined based on: * Transaction volume; * Merchant profile; * Fintech or ecosystem partnerships; * Payment model; * Operational and risk requirements. Any future pricing updates will be announced by CoindPay in advance. *** **Example: $100 USDC Crypto Payment Pay-in > Settlement**
ItemRateAmount
Consumer Crypto Payment100%$100.00 USDC
CoindPay Unified Fees (Public Beta)0%$0.00
CoindPay Platform Fees (Public Beta)0%$0.00
Merchant Settlement Amount≈100%≈$100.00 USDC
**Note:**\ Blockchain network fees may apply depending on the selected network, transaction conditions, and wallet configuration. These costs are determined by the underlying blockchain network and are separate from CoindPay fees. **Best suited for:**\ On-chain native use cases, Web3 applications, real-time payouts, and treasury operations requiring maximum speed and flexibility. *** ### 3. Fiat Pay-in → Fiat Pay-out ⏳ **Status:** Coming Soon (Under Legal Review & Product Development) * Settlement via EU and US banking rails * Expected settlement cycles: **T+3\~7\~15** * Slower settlement compared to crypto or stablecoin flows, but with lower overall fees **Best suited for:**\ Cost-sensitive businesses, traditional financial operations, and jurisdictions where fiat-to-fiat settlement is required for regulatory or accounting reasons. *** ## Settlement Characteristics * **Crypto and stablecoin settlements are near real-time**, driven by on-chain finality and instant liquidity availability. * **Fiat settlements depend on banking infrastructure**, including correspondent banks and local clearing systems, which introduces longer settlement cycles. * For fiat-in → stablecoin or fiat payouts, [Rolling Reserves](/landing/start/partners/rolling-reserves) **are mandatory** to ensure risk management and regulatory compliance, especially in EU and US markets. * While slower, **fiat-to-fiat settlement offers more competitive fees** compared to faster settlement options. ***
## Fees Structure Overview CoindPay supports multiple settlement models designed for different payment scenarios. Each model applies a different fee structure based on payment rails, settlement methods, risk exposure, and operational requirements.
ItemFiat Pay-in → Stablecoin Pay-outCrypto Pay-in → Crypto Pay-out
Payment FlowFiat payment → Stablecoin settlementCrypto payment → Crypto settlement
Settlement MethodOff-chain payment rails + on-chain settlementFully on-chain settlement
Settlement SpeedReal-time settlement（~5–10 minutes）Real-time settlement (~15 seconds)
Unified Fees ModelVolume-based tier pricing (e.g., 7%, 6.5%, 6% tiers)0% during public beta
Payment ProcessingIncluded (Cards, PayPal, Apple Pay/Google Pay, Cash App, local payment methods)Not applicable
Banking DependencyRequired for fiat payment processingNo banking dependency
Chargeback RiskApplicableNot applicable
Rolling ReserveRolling ReservesNot required
Blockchain Network FeesMay affect final settlement amountDetermined by selected blockchain network
Future Pricing ModelVolume-based pricing tiersFuture volume-based pricing may apply
* **Default pricing applies under CoindPay standard fee schedules.**\ For detailed and up-to-date fee structures across different settlement methods, please **contact the CoindPay Business or Sales team** for confirmation. * **Fees may vary based on transaction volume, settlement method, jurisdiction, and risk profile.**\ Final pricing is determined after an initial business review and integration assessment. * **High-risk merchants or industries are subject to additional review.**\ For merchants classified as higher risk, CoindPay will conduct a **business and transaction flow audit** (including use case, volumes, and settlement behavior) before confirming applicable fees, limits, or settlement terms. * **CoindPay reserves the right to adjust fees, settlement cycles, or reserve requirements** based on ongoing risk monitoring, compliance obligations, and operational considerations. # Payouts Send fiat and stablecoin payouts globally through a single integration. Fast, compliant, and reliable settlement across local payment rails and blockchain networks. Opening SOON # Payment metrics No-KYC payment limits with AML checks, KYC for large transactions, real-time processing, average settlement time, success rate, and low complaint rate. ## 3D Secure 3D Secure helps prevent fraud and keeps your customers’ payments safe and secure. ## No KYC CoindPay integrates multiple acquiring partners with varying No-KYC limits (e.g., €700, €1,000, €1,500), optimizing approval rates for low-value transactions. Consumers benefit from a seamless \~30-second checkout via wallet payments such as Apple Pay and Google Pay. Funds are settled through CoindPay’s settlement gateway within 5–10 minutes (net of applicable taxes) directly to the merchant’s wallet. ## Need KYC {% hint style="warning" %} For Payments/On-Ramps, CoindPay typically triggers additional KYC or enhanced verification only when a user’s cumulative transaction volume exceeds the No-KYC Limit. However, KYC may also be required below this threshold if the user is flagged by anti-fraud systems, which can occur for various unpredictable risk indicators. {% endhint %} 1. Once a user has successfully completed KYC, CoindPay generally does not require identity verification again for subsequent purchases, provided that: * The user logs in with the **same account** * The **device, IP, and region** remain consistent * No **risk or compliance rules** are triggered * Their cumulative transaction volume is **below the No-KYC Limit** Under normal circumstances, repeat purchases are processed without any additional KYC steps 2. When might CoindPay require additional or repeated KYC? Additional verification may be required if any of the following conditions occur: | Scenario | Description | | ------------------------------------------ | ------------------------------------------------------------------------------------------------------------ | | **Cumulative volume exceeds No-KYC Limit** | Crossing the max limit triggers enhanced compliance checks under CoindPay’s risk policies. | | **Higher purchase limits needed** | User exceeds basic limits and needs to unlock higher KYC tiers (address verification, proof of funds, etc.). | | **Country/region changes** | The IP, payment card country, or geolocation differs from prior KYC data. | | **New payment method added** | Switching or adding a new card may require additional verification. | | **Risk or suspicious activity detected** | Unusual patterns trigger CoindPay’s risk engine, which may require re-verification. | | **Long inactivity period** | Some regions require KYC refresh after prolonged inactivity. | 3. Typical User Experience * **First purchase:** Full KYC completed. * **Subsequent purchases:** No repeated KYC required. * **Only when cumulative purchases exceed the no-kyc limit** or certain risk conditions apply will additional checks appear. This ensures smooth repeat transactions while maintaining regulatory compliance.
CoindPay’s KYC (Know Your Customer) sharing system streamlines user identity verification by integrating with partners and third-party providers like SumSub. This process ensures compliance with regulatory requirements, while minimizing repeated verification steps for users. When users complete KYC directly within CoindPay’s widget or wallet, the verification typically includes: * Identity verification via passport, ID card, or driver’s license. * Liveness verification (selfie or video). * Address confirmation (required for IBAN and card features; for cards, address is entered without document upload). * Phone number verification (required for IBAN feature). **Special considerations** * **US residents:** KYC for US users requires additional processing through ZeroHash. If verification fails, CoindPay handles the case accordingly. * **KYC renewal:** KYC status can expire, requiring users to re-verify. * **Error handling:** Common errors include invalid parameters or failed verification attempts. Support is available for resolution.
## **Order** Metrics 📊 ### **1. Order Settlement Time** * **Typical Range**: 5-10 minutes or even tens of minutes. * **Factors Influencing Time**: * **Payment Method**: Bank transfers may take longer than card payments. * **Blockchain Network**: Different blockchains have varying confirmation times. * **AML/KYC Checks**: Compliance procedures can add to the processing time. > **Note**: Specific settlement times can vary based on the above factors and may differ between transactions. ### **2.** Payout assets {% hint style="success" %} For fiat payments, we currently settle all payments in **`Stablecoin`** Please pay attention to your main receiving wallet and blockchain {% endhint %} * **Payments** support **USDT/USDC** on **EVM** and **SVM** networks by default. Please confirm that your **connected wallet** matches the correct network in your account settings. #### USDC Settlement | Primary Wallet | Settlement Chain | | -------------- | ---------------- | | **EVM** | **Base** | | **SVM** | **Solana** | #### USDT Settlement | Primary Wallet | Settlement Chain | | -------------- | ---------------- | | **EVM** | **BSC** | | **SVM** | **Solana** | * **On/Off-Ramps** support **100+ assets** across **30+ networks**. When creating Ramp orders, ensure that your selected asset type matches the corresponding wallet address.
### **3. Refund Rate** * **Typical Range**: Generally low; however, exact figures are not publicly disclosed. * **Influencing Factors**: * **Transaction Disputes**: Chargebacks or disputes can lead to refunds. * **User Errors**: Mistakes during the transaction process. * **Fraudulent Activities**: Fraudulent transactions may result in refunds. > **Note**: For precise refund rates, it's recommended to consult CoindPay's official documentation or contact their support team. ### 4. **Refund Processing Time** * **Typical Range**: From a few minutes to several hours. * **Factors Influencing Time**: * **Payment Method**: Refunds to bank accounts may take longer than to crypto wallets. * **Blockchain Network**: Different blockchains have varying transaction times. * **AML/KYC Checks**: Compliance procedures can add to the processing time. > **Note**: Specific refund processing times can vary based on the above factors and may differ between transactions. ### 5. **Refund Scenes** * **Overpayment**: The customer sends more than the required amount. * **Underpayment**: The customer sends less than the required amount. * **Payment Timeout**: The customer fails to complete the payment within the specified time. * **Fraudulent Transactions**: Transactions identified as fraudulent may be refunded. * **User Disputes**: Customers may request refunds due to various reasons. > **Note**: Each refund scenario may have different processing times and procedures. ## Monitoring {% hint style="info" %} CoindPay operates dispute and fraud monitoring programs to help merchants maintain compliance with card network requirements and protect the overall payment ecosystem. Merchants are expected to keep disputes (chargebacks) and confirmed fraud at acceptable levels. Exceeding thresholds may trigger monitoring programs, fees, or restrictions until performance improves. {% endhint %} ### 1. Overview * **Dispute / Chargeback:** A payment reversed due to a customer dispute. * **Confirmed Fraud:** Transactions identified as fraudulent. * **Key Principle:** Monitoring programs focus on **preventing disputes and fraud**, rather than outcomes of individual cases. CoindPay continuously monitors merchant performance and provides support to reduce disputes or fraud. Merchants may be asked to provide details about: * Checkout / user flow * Recent changes in operations * Measures to reduce risk The goal is to ensure both merchant performance and the overall payment system remain healthy and compliant. ### 2. Monitoring Programs #### **Visa Monitoring Program (VAMP)** VAMP monitors disputes, fraud, and card testing activity. Every month, CoindPay calculates metrics based on Visa reports from the previous month. | Metric | Definition | Threshold | | --------------- | --------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------- | | **VAMP Count** | Total number of disputes and fraud (from TC15 and TC40 reports) |

Non-compliant: 5
Excessive: 150 in CEMEA / 1,500 elsewhere

| | **VAMP Ratio** | Ratio of disputes/fraud count to total captured payments |

Non-compliant: 0.5%
Excessive: 1.5% in LAC, 2.2% elsewhere (from May 15, 2025)
From Apr 1, 2026: 2.2% in CEMEA, 1.5% elsewhere

| | **VAMP Volume** | USD value of disputes and fraud | Excessive: 75,000 USD in CEMEA; N/A elsewhere | **Enumeration Monitoring** tracks card testing attempts: | Metric | Threshold | | -------------------------- | --------- | | **VAMP Enumeration Count** | 300,000 | | **VAMP Enumeration Ratio** | 20% | > Note: No fines are assessed for enumeration monitoring, but merchants should mitigate card testing activity. *** #### **Visa Secure Excessive Fraud Program (US Only)** | Metric | Threshold | Fine / Effect | | -------------------------------- | ---------- | ----------------------------------------- | | Fraud volume (3DS authenticated) | 75,000 USD | None, but liability shift lost until exit | | Fraud rate | 0.9% | None, same as above | *** #### **Mastercard Monitoring Programs** 1. **Excessive Chargeback Program (ECP)** Levels: ECM (Excessive Chargeback Merchant) and HECM (High ECM) | Level | Dispute Count | Chargeback Rate | Fines | | ----- | ------------- | --------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------- | | ECM | 100-299 | 1.5-2.99% |

Month 2-3: 1,000 USD
Month 4-6: 5,000 USD
Month 7-11: 25,000 USD
Month 12-18: 50,000 USD
Month 19+: 100,000 USD

| | HECM | 300+ | 3% |

Month 2: 1,000 USD
Month 3: 2,000 USD
Month 4-6: 10,000 USD
Month 7-11: 50,000 USD
Month 12-18: 100,000 USD
Month 19+: 200,000 USD

| > Issuer recovery assessment applies additional 5 USD per chargeback over 300 in ECM/HECM. 2. **Excessive Fraud Merchant (EFM) Program** Criteria: * Minimum 1,000 e-commerce Mastercard payments * Net fraud volume >50,000 USD (AU: 15,000 USD) * Fraud chargeback rate >0.50% (AU: 0.20%) * 3DS usage ≤10% (non-regulated) or ≤50% (regulated countries) Fines over months follow the same schedule as ECM/HECM: | Months above threshold | Fine | | ---------------------- | ----------- | | 1 | 0 USD | | 2 | 500 USD | | 3 | 1,000 USD | | 4-6 | 5,000 USD | | 7-11 | 25,000 USD | | 12-18 | 50,000 USD | | 19+ | 100,000 USD | > Merchants can request one suspension if confident of remaining below thresholds. *** #### **AusPayNet Monitoring Programs (AU Only)** Fraud Monitoring Program (FMP) tracks Card-Not-Present (CNP) fraud: | Metric | Threshold | Action | | ----------------------- | --------------------- | -------------------------------------- | | Fraud chargeback amount | >50,000 AUD / quarter | Implement fraud controls, consider SCA | | Fraud-to-sales ratio | ≥0.20% | Same as above | **Progressive remediation:** | Quarters above threshold | Action | | ------------------------ | --------------------------------------------------------------------- | | 1 | Implement fraud controls (risk-based SCA on subset) | | 2 | Perform risk-based SCA or use SCA on all CNP / enhance fraud controls | | 3 | Pass all CNP transactions through SCA | | 4+ | Possible off-boarding | **Strong Customer Authentication (SCA)** uses ≥2 of: * Knowledge factor (password) * Possession factor (phone) * Inherence factor (biometrics) Exemptions: recurring transactions, trusted customers, wallet transactions. *** ### 3. Remediation & Best Practices **Remediation Steps:** 1. Submit a remediation plan to CoindPay with risk mitigation measures. 2. Apply fraud prevention tools (velocity checks, 3DS, KYC improvements). 3. Adjust checkout, billing, or refund policies as needed. **Best Practices to Reduce Disputes & Fraud:** * **Prevent fraud:** Reverse suspicious authorizations before capture * **Cancel subscriptions:** Easy cancellation, clear billing terms, reminders * **Unreceived products:** Track shipments, require signature for high-value items * **Unacceptable products:** Clear descriptions, images, flexible refunds * **Friendly fraud:** Collect agreement, ship to verified addresses * **Other disputes:** Ensure recognizable statement descriptors # Payment methods We offer several different payment methods to pay bills or make purchases.
Payment methodpayment_methodSupported
Visa *card✅
Mastercard *card✅
Maestro *card✅
Apple Pay **apple✅
Google Pay **google✅
Cash App Pay（USD🇺🇸）***cashapp✅
PayPal（EUR🇪🇺）***paypal✅
PayPal Globalpaypal⌛️
Venmovenmo⌛️
Amazon Payamazon⌛️
Wire Transfer（USD🇺🇸）wire⌛️
ACH（USD🇺🇸）ach⌛️
Revolut Pay ****revolut✅
SEPA Bank Transfer ***sepa✅
UK Faster Payments（GBP🇬🇧）gbp_bank✅
Interac e-Transfer（CAD🇨🇦） interac✅
Instapay QRPh（PHP🇵🇭）instapay✅
PIX instant payment（BRL🇧🇷）pix✅
PicPay（BRL🇧🇷）picpay✅
Zar bank transfer（ZAR🇨🇿）zar_bank✅
PayID bank transfer（AUD🇦🇺）payid✅
Pse co bank transfer（COP🇨🇴）pse✅
Khipu cl bank transfer（CLP🇨🇱）khipu✅
Qr th wallet payment（THB🇹🇭）qr_wallet✅
Spei bank transfer（MXN🇲🇽）spei✅
OXXO（MXN🇲🇽）oxxo✅
DANA（IDR🇮🇩）dana✅
QRIS（IDR🇮🇩）qris✅
OVO（IDR🇮🇩）ovo✅
BRI: Virtual account（IDR🇮🇩）bri_bank✅
BNI: Virtual account（IDR🇮🇩）bni_bank✅
Permata: Virtual Account（IDR🇮🇩）permata_bank✅
Mandiri: Virtual Account（IDR🇮🇩）mandiri_bank✅
> 💡 Important to know **\*** Not every bank facilitates crypto payments. To find out if your bank card allows crypto transactions, it's best to check directly with your bank.\ \ **\*\*** Supported with the following currencies: AED, BGN, CAD, CHF, COP, CZK, DKK, EUR, GBP, HKD, ILS, KZT, MXN, NOK, NZD, PEN, PLN, QAR, RON, SEK, SGD, TWD, USD, etc. If you do not see Apple Pay or Google Pay as a payment option with the above currencies during the checkout process, then it is not available in your region at the moment. **\*\*\***** PayPal（EUR🇪🇺）**is available in Europe, including EU/EEA countries. **\*\*\***** Cash App Pay（USD🇺🇸**） is available in the United States, excluding New York State.\ \ **\*\*\*** **SEPA Bank Transfer** is available in the following countries: Germany, Netherlands, Portugal, Ireland, Spain, France, Austria, Poland, Latvia, Belgium, Hungary, Lithuania, Romania, etc.\ \ **\*\*\*\*** **Revolut Pay** is supported with the following currencies: AED, AUD, BGN, CAD, CHF, COP, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, ISK, JPY, KRW, MXN, NOK, NZD, PHP, PLN, QAR, RON, SEK, SGD, THB, TRY, USD, ZAR, etc. {% hint style="success" %} For supported values and detailed behavior, refer to the [Integration](/landing/start/developers/integration#url-parameters) Payments Link support preset `payment_method` and `fix_payment_method` parameters, allowing developers to enforce channel-specific payment flows and optimize payment success rates. {% endhint %} # Fiat currencies Supported Fiat Currencies — dynamically updated. {% hint style="warning" %} For unsupported countries or regions, both CoindPay and our service partners implement geolocation-based blocking and interception at key touchpoints such as the website and checkout. All users and merchants are required to strictly comply with [**CoindPay AML/CTF Policy**](https://coindpay.xyz/user/policy) and conduct business activities in full accordance with applicable regulations. {% endhint %} {% hint style="info" %} The minimum and maximum amounts for each fiat currency may vary with exchange rate fluctuations and are provided for reference only [Payment metrics](/landing/start/customers/payment-metrics#no-kyc) {% endhint %} {% hint style="danger" icon="badge-dollar" %} Limits vary by payment method and fiat currency. Please always check the real-time limits shown at checkout. Public APIs providing **fiat limits and payment methods**, please refer to [Global Config](/landing/start/developers/global-config) {% endhint %}
FlagSymbolCurrencyPaymentsPayments Limits (≈Min ~ Max)On-RampsOff-Ramps
🇺🇸USDUS Dollar✅1 ~ 50000✅✅
🇪🇺EUREuro✅10 ~ 15000✅✅
🇦🇪AEDUAE Dirham✅60 ~ 63987.79✅
🇦🇱ALLAlbanian Lek✅1842.34 ~ 1381749.85✅
🇦🇲AMDArmenian Dram✅8467.19 ~ 6350389.07✅
🇦🇷ARSArgentine Peso✅35034.25 ~ 26275684.49✅
🇦🇺AUDAustralian Dollar✅20 ~ 24188.33✅
🇦🇿AZNAzerbaijani Manat✅38.9 ~ 19898.4✅
🇧🇬BGNBulgarian Lev✅13.69 ~ 29337.45✅
🇧🇭BHDBahraini Dinar✅3.09 ~ 4418✅
🇧🇳BNDBrunei Dollar✅10.45 ~ 14922.9✅
🇧🇷BRLBrazilian Real✅50 ~ 88314.17✅
🇧🇼BWPBotswana Pula✅311.34 ~ 233504.98✅
🇨🇦CADCanadian Dollar✅20 ~ 24061.73✅
🇨🇭CHFSwiss Franc✅10 ~ 13847.24✅
🇨🇱CLPChilean Peso✅24000 ~ 6000000✅
🇨🇴COPColombian Peso✅74568.44 ~ 55926326.39✅
🇨🇿CZKCzech Koruna✅250 ~ 362984.67✅
🇩🇰DKKDanish Krone✅75 ~ 112135.54✅
🇩🇴DOPDominican Peso✅1339.41 ~ 1004551.96✅
🇬🇧GBPBritish Pound✅10 ~ 12890.99✅✅
🇬🇪GELGeorgian Lari✅60.04 ~ 45026.48✅
🇬🇭GHSGhanaian Cedi✅264.13 ~ 198092.69✅
🇭🇰HKDHong Kong Dollar✅100 ~ 136612.56✅
🇭🇺HUFHungarian Forint✅7224.45 ~ 5418331.3✅
🇮🇩IDRIndonesian Rupiah✅175000 ~ 307440049.2✅
🇮🇱ILSIsraeli New Shekel✅70.01 ~ 52503.88✅
🇮🇳INRIndian Rupee✅2196.06 ~ 1647039.45✅
🇮🇸ISKIcelandic Krona✅2869 ~ 2151025✅
🇯🇴JODJordanian Dinar✅16.23 ~ 12165.74✅
🇯🇵JPYJapanese Yen✅2000 ~ 2722180✅
🇰🇪KESKenyan Shilling✅2955.3 ~ 2216472.53✅
🇰🇬KGSKyrgyzstani Som✅1998.93 ~ 1499194.94✅
🇰🇭KHRCambodian Riel✅32798.6 ~ 46855141.5✅
🇰🇷KRWSouth Korean Won✅31263 ~ 23447026✅
🇰🇿KZTKazakhstani Tenge✅10761.83 ~ 8071372.46✅
🇱🇰LKRSri Lankan Rupee✅7689 ~ 5766746.64✅
🇱🇸LSLLesotho Loti✅376.83 ~ 282617.13✅
🇲🇩MDLMoldovan Leu✅139.96 ~ 199946.4✅
🇲🇽MXNMexican Peso✅200 ~ 294251.16✅
🇲🇿MZNMozambican Metical✅1464.43 ~ 1098320.97✅
🇲🇾MYRMalaysian Ringgit✅93.94 ~ 70451.61✅
🇳🇦NADNamibian Dollar✅376.83 ~ 282617.13✅
🇳🇬NGNNigerian Naira✅31566.66 ~ 23674989.75✅
🇳🇴NOKNorwegian Krone✅100 ~ 165633.1✅
🇳🇿NZDNew Zealand Dollar✅25 ~ 29309✅
🇴🇲OMROmani Rial✅3.15 ~ 4500.7✅
🇵🇪PENPeruvian Sol✅77.7 ~ 58269.02✅
🇵🇭PHPPhilippine Peso✅750 ~ 1058424.32✅
🇵🇱PLNPolish Zloty✅50 ~ 65039.91✅
🇵🇾PYGParaguayan Guarani✅52506.67 ~ 75009532.9✅
🇶🇦QARQatari Riyal✅50 ~ 62458.78✅
🇷🇴RONRomanian Leu✅50 ~ 78628.81✅
🇷🇸RSDSerbian Dinar✅821.54 ~ 1173635.2✅
🇸🇦SARSaudi Riyal✅50 ~ 65338.12✅
🇸🇪SEKSwedish Krona✅125 ~ 165597.57✅
🇸🇬SGDSingapore Dollar✅20 ~ 22076.73✅
🇹🇭THBThai Baht✅400 ~ 576893.57✅
🇹🇯TJSTajikistani Somoni✅211.5 ~ 158619.03✅
🇹🇲TMTTurkmenistani Manat✅80.23 ~ 60170.77✅
🇹🇷TRYTurkish Lira✅600 ~ 809478.02✅
🇹🇼TWDNew Taiwan Dollar✅500 ~ 552087.84✅
🇺🇦UAHUkrainian Hryvnia✅355.96 ~ 764768.45✅
🇺🇾UYUUruguayan Peso✅919.89 ~ 689914.65✅
🇺🇿UZSUzbekistani Som✅274800.77 ~ 206100577.09✅
🇻🇳VNDVietnamese Dong✅300000 ~ 453720509✅
🇨🇫XAFCentral African CFA Franc✅13120 ~ 9839357✅
🇸🇳XOFWest African CFA Franc✅13120 ~ 9839374✅
🇿🇦ZARSouth African Rand✅200 ~ 282617.13✅
# Fiat payments Example: dev environment, only for effect display 🎥 👇 {% file src="/files/ckFjq4sRV5naX9Bba90N" %}
> **Example:** An official merchant payment link (checkout entry). \ > For demo purposes only—no need to complete the payment. ### Single payment ```typescript Charge a one-time fee ```
### Subscription ```typescript Charge an ongoing fee ```
> Dashboard
# Fiat/Crypto payments Supports both fiat and crypto
> **Example:** An official merchant payment link (checkout entry). \ > For demo purposes only—no need to complete the payment.
# Crypto payments {% hint style="info" %} #### Current crypto pay-in limits are **1–50,000** in stablecoins (or equivalent in other crypto currencies). {% endhint %}
> E**xample:** An official merchant payment link (checkout entry). \ > For demo purposes only—no need to complete the payment.
# On/Off-Ramps Buy/Sell Crypto（On/Off-Ramps for Funds） > CoindPay Wallet Buy and sell crypto. Seamlessly. In seconds. With no-to-low fees. All with CoindPay. The wallet has built-in modules such as Asset Tokens Portfolios and Transactions, Funds, etc. for a one-stop view of the assets and flow of assets in the tied account and other accounts. ### On-Ramps
### Off-Ramps # Developers ## Overflow A REST service endpoint is a set of REST resources that provides services to endpoints. We provide various endpoints for fetching info of all available payments/order status and more.
## Environment ### Testnet `App` [https://test.coindpay.xyz](https://test.coindpay.xyz/) `API` [https://test-api.coindpay.xyz](https://test-api.coindpay.xyz/) ### Prod `App` [https://coindpay.xyz](https://coindpay.xyz/) `API` [https://api.coindpay.xyz](https://api.coindpay.xyz/) {% hint style="info" %} #### Quick Integration into your application [Integration](/landing/start/developers/integration) {% endhint %} # Integration CoindPay provides a universal payment experience, enabling businesses to accept and complete payments across websites, mobile apps, e-commerce checkouts, SaaS platforms, and digital portals. ## Environment ### Testnet `App` [https://test.coindpay.xyz](https://test.coindpay.xyz/) （ Integration & Debugging ） Core steps: register merchants, manage payments, bind settlement wallets, configure webhooks, and integrate the merchant order flow end-to-end > [test.coindpay.xyz/account/payouts](https://test.coindpay.xyz/account/payouts) Subscription-type Payments Links require contacting our team（ [@CoindPay](https://x.com/CoindPay) or collaboration group ）to whitelist static IPs and configure the necessary sandbox permissions. Other payment types and business scenarios remain publicly available and open by default. You can check your current IP at [https://whatismyipaddress.com](https://whatismyipaddress.com/) VPN may affect your outbound IP. ### Prod `App` [https://coindpay.xyz](https://coindpay.xyz/) （ Production Business & KYB Required ） * **Payments** support **USDT/USDC** on **EVM** and **SVM** networks [/pages/WuOkyhKpbCvravr9fOhh#id-2.-payout-assets](https://docs.coindpay.xyz/landing/start/developers/pages/WuOkyhKpbCvravr9fOhh#id-2.-payout-assets "mention")\ Please confirm that your **connected wallet** matches the correct network in your account settings. * **On/Off-ramps** support **100+ assets** across **30+ networks** for large-volume **buy and sell crypto** transactions. When creating ramp orders, ensure that your selected asset type matches the corresponding wallet address. * Wallet configuration is fully flexible — developers can specify either an **EVM** or **SVM** address as the payout primary wallet > [coindpay.xyz/account/payouts](https://coindpay.xyz/account/payouts) ## 1. Create Account Before using CoindPay, you need to create an account. This account serves as a **unified identity** for both your developer role and merchant enterprise. Visit the CoindPay website and choose one of the account creation methods: * **Social Account** * Supported social login providers (e.g. Google, X, etc.) * **Wallet** * **EVM wallet** (Ethereum-compatible chains) * **SVM wallet** (Solana) > Note: Even if you sign up using a social account, you will still be required to bind a payout wallet to complete **and enable payments.**
> 💡 Once your account is created, you will have a unified merchant identity to manage Payments Links, track orders, and manage team members.
## 2. Create Payments A Payments Link is a convenient way to collect payments. You can generate a link and share it with customers or embed it into your applications. {% hint style="warning" %} If merchant KYB compliance is not completed, users will be prompted to complete the KYB onboarding and compliance review. The prompt is triggered via **More → Account profile** or during **Pay → Payments create**, with an onboarding modal. {% endhint %}
#### Option 1: Few Products（No-code） If you have a small number of products: 1. Create a **Payments Link** and provide the necessary form information at once. 2. Share the link with your customers or embed it in your website/app. > Designed for no-code integration, for creators or merchants avoiding custom development. #### Option 2: Many Products（Dynamic） If you have many products or need dynamic payment links: 1. Create a **Payments Link** 2. Dynamically append parameters to generate **unlimited dynamic Payments Links**. 3. Share or embed these links into your applications or product flows. {% hint style="info" %} 1. All Payments Links support dynamic parameter appending only for the parameters listed in the table below. 2. All other settings, such as payment methods, subscription type, and additional options, must be selected and configured directly in the payments form. {% endhint %}
## 3. Multiple integrations ### URL Parameters You can extend the embedded checkout link by appending parameters to the URL.\ This is especially useful when you want to dynamically pass metadata such as product title, description, price, images or others.
ParameterTypeDescriptionExample
merchant_transaction_idstring*Required. Unique Id for the order transaction generated by the merchant. Can be generated with randomUUID() to ensure uniqueness. The rampId is returned in webhook order payloads. corresponds to rampIdmerchant_transaction_id=550e8400-e29b-41d4-a716-446655440000
currencystring?Effective only if included in the payment link’s supported currency list; otherwise defaults to the first configured currency.currency=EUR
pricestring?Payment amount in the supported fiat or crypto currency format.
Lmimits #Fiat currencies		price=29.99
signaturestring?HMAC-SHA256 hex signature generated with the merchant secret key; Required if a custom price is provided.signature=b95df8938****9fgk56
titlestring?The product or payment title displayed on the checkout page.title=Hello
descstring?A short description of the product or service.desc=Text
imagesarray?A list of image objects to display in the checkout interface.images=[{"url":"https://cdn.example.com/item.jpg"}]
namestring?Pre-filled consumer name (≤120 characters)name=Elon Musk
emailstring?Pre-fill the customer's email in the checkout form.email=user@example.com
payment_methodstring?optional. Fiat payments only. If not specified, all payment methods supported for the selected currency will be returned. If specified, the method will be automatically preselected at checkout.
Supported values include card, google, apple, cashapp, revolut_pay, paypal and others payment methods. Refer to Payment methods for the full and up-to-date list.		payment_method=cashapp
fix_payment_methodboolean?Locks the selected payment_method and prevents changes during checkout. Recommended for channel-specific flows (e.g. iOS) to optimize conversion and payment success.fix_payment_method=true
redirect_urlstring?Redirect URL to which the user is redirected after passing the payments or ramps scenes; We recommend using the default checkout exit flow rather than redirecting via redirect_url. redirect urls are subject to risk and compliance monitoring, and high-risk or non-compliant destinations may affect merchant account health.redirect_url=https://coindpay.xyz/wallet
morePlease contact our Devs team for dynamic updates.
{% hint style="info" %} #### **Checkout Tips** *? The value is optional, \* the value is required.*\ Non-authentic product or consumer information, such as `title`, `email`, and `desc`, is not required to be provided. 1. **merchant\_transaction\_id** * The `merchant_transaction_id` is **required**. * Orders may transition through multiple statuses, but all remain tied to the same `merchant_transaction_id` * Separate or recurring orders generate **distinct `merchant_transaction_id`** values. * Use `randomUUID()` or other encrypted Id libraries to generate a **unique Id** for each transaction to avoid duplicates. * `merchant_transaction_id` serves as an alias for `rampId`. The `rampId` is returned in webhook order payloads. * If not provided, it will **not cause an error**, but you may lose the ability to reliably **track the order** or **query its status** via this Id. 2. **email** * Ensure the pre-submitted email matches the one used in subsequent order flows. * The email should be a **user’s email address obtained in advance**. * If the email is in a valid format, it will be **automatically pre-filled** in the checkout form. * If unsure, request the user to **manually enter their email** to prevent mismatches. 3. **price** * When the `price` routing parameter is enabled, configure the product’s **Amount Type** as **Fixed Amount**. * The **Random Amount** option is intended for tipping or donation scenarios and is **not controlled** by the `price` parameter. * When `price` is **not provided**, the payment Link will use the amount configured in the merchant dashboard. * When `price` **is provided in the URL**, it is treated as **dynamic input** and **must be protected by a signature**. * Any modification to the `price` value without a valid signature will result in the Payment Link being marked as **invalid**. 4. **signature** * The `signature` parameter is conditionally required. * f `price` is **present**, a valid `signature` **must** be generated and included. * If `price` is **absent**, `signature` is optional. * The signature cryptographically binds the request parameters to the merchant and prevents client-side tampering. 5. **currency** * The `currency` routing parameter is optional. * Please ensure the provided `currency` is supported in the payment link currency configuration, passing an unconfigured currency will be ignored. * [x] Multiple Fiat Currencies ( **USD-pegged Disabled** ) - The product link resolves to either the **first configured currency** or the **developer-provided `currency` parameter** (must match one of the enabled currencies). - Client-side currency switching is **disabled**; only the resolved currency is used. * [x] Multiple Fiat Currencies **( USD-pegged Enabled )** - The product link resolves to either the **first configured currency** or the **developer-provided `currency` parameter** (must exist in the enabled list). - End users may freely switch between all enabled currencies. - Amounts remain **anchored to USD**, with conversions applied automatically using **real-time FX rates**. 6. **USD-pegged** * **Default:** USD-pegged is **disabled**. the **amount remains uniform** and can be controlled via the `price` parameter. * When **USD-pegged** is enabled: * All selected fiat currencies are automatically **pegged to USD**. * Settlement amounts are calculated **in real time** based on current FX rates. {% endhint %} ### Code for Checkout ```typescript import { createHmac } from 'crypto' export function createHmacSignature(secret: string, data: string): string { return createHmac('sha256', secret).update(data).digest('hex') } ``` {% code lineNumbers="true" %} ```typescript import { randomUUID } from 'crypto' const paymentLink = 'xxx' // The payment link created by the merchant in Step 2 const merchant_transaction_id = randomUUID() || 'Your Custom Order Id' export interface priceSignaturePayload { merchant_transaction_id: string price: string } export function canonicalizePriceSignaturePath(payload: priceSignaturePayload): string { return `merchant_transaction_id=${payload?.merchant_transaction_id}&price=${payload?.price}` } // secretKey: The merchant/developer’s API Secret from the dashboard integration webhooks. const secretKey = YOUR_MERCHANT_API_SECRET // Merchant payment link signature（If price is included in the URL） export function signCheckoutPriceSignature(payload: priceSignaturePayload): string { const canonical = canonicalizePriceSignaturePath(payload) return createHmacSignature(secretKey, canonical) } // Render to your dynamic product link params const paramsData = { merchant_transaction_id, // 'xxx-123456', title: 'Your product title', // desc: 'Your product desc', price: 19.99, signature: 'xxx', // signCheckoutPriceSignature('your price payload') email: 'your_customers@domain.com' }) export function getEncodeCheckoutUrl( link: string, queryData?: Record ): string { const url = new URL(link) Object.entries(queryData || {}).forEach(([key, value]) => { if (value === undefined || value === null) return url.searchParams.set( key, typeof value === 'object' ? JSON.stringify(value) : String(value) ) }) return url.toString() } const url = getEncodeCheckoutUrl(paymentLink, paramsData) // you can preview this url console.log('url', url) ``` {% endcode %}
\ \ Note: the actual checkout URL must include the `merchant_transaction_id` parameter.
> Example: Quick payment methods limited to iOS channels
### ① Web {% hint style="info" %} E-commerce checkouts, SaaS dashboards, or any web-based payment page. {% endhint %} #### 1. Embed via iFrame > Native HTML styles can be customized as needed. You can freely customize the surrounding HTML, container styles, and transitions using TailwindCSS or your preferred styling approach. ```typescript // React component + TailwindCSS const yourCustomName = '', yourCustomStyle = {} const onIframeLoad = ()=> {} // If some scenes for iframe loading success