Accept USDT & Crypto Payments Directly to Your Wallet
Zero middleman fees. Direct non-custodial wallet settlements with automated 5-second payment verification.
How Cryptopay Works
Click through the interactive flowchart steps below to see how payments flow from customer to your wallet.
Merchant Invoice Creation
Your backend sends a simple POST request with the invoice amount (e.g. $25.00). Cryptopay assigns a unique exact amount ($25.0038 USDT) and returns a hosted checkout URL.
POST /api/v1/payments -> { amount: "25.00", orderId: "ORDER_9921" }Test the Checkout Engine Live
Try creating an invoice, inspecting RPC scanners, and firing webhooks.
Smart Micro-Delta Payments
Enter any invoice amount. Cryptopay automatically assigns a tiny unique decimal (`+ $0.0038`) so our scanner can match your order instantly without platform fees.
Why Merchants Choose Cryptopay
Eliminate high payment processor fees, chargeback fraud, and smart contract complexity.
100% Non-Custodial Direct
Customer payments go straight to your own wallet. No middleman holding your funds or delaying payouts.
Sub-Cent Micro-Deltas
Match thousands of simultaneous orders on native tokens (USDT/USDC) without paying smart contract gas fees.
5-Second RPC Scanning
Automated background workers scan blockchain mainnets constantly for instant transaction confirmations.
Multi-Chain Supported
Accept payments across TRON (TRC-20), BNB Chain (BEP-20), Polygon, Solana, Ethereum, and Arbitrum.
Zero Chargeback Risk
Blockchain payments are final and immutable. Completely immune to credit card chargeback fraud.
Instant Signed Webhooks
Receive secure HMAC-SHA256 signed HTTP POST notifications for instant automated order fulfillment.
Simple REST API Integration
Integrate directly into any backend server or language using standard HTTP POST requests. No npm dependencies or frontend libraries needed.
curl -X POST https://your-domain.com/api/v1/payments \
-H "Authorization: Bearer cp_live_sec_8923a10b..." \
-H "Content-Type: application/json" \
-d '{
"amount": "25.00",
"currency": "USD",
"orderId": "ORDER_9921"
}'Test Merchant IPN Webhook Dispatch
Test firing a simulated payment confirmation event directly to your backend endpoint with HMAC security headers.
{
"event": "payment.confirmed",
"created_at": 1786903788,
"data": {
"order_id": "ORDER_9921",
"amount_target": "25.00",
"amount_received": "25.0038",
"currency": "USDT",
"tx_hash": "0x8f9a21b990024...",
"chain": "BEP-20"
}
}Frequently Asked Questions
Everything you need to know about Cryptopay non-custodial gateway integration.