01What you don't have to build
- A deposit address per customer or order, and the watcher that notices it was paid.
- Confirmation logic for each network, with underpaid, late and wrong-amount handling.
- A retry queue for payment events — webhooks are signed and retried over up to six hours.
- A wallet per network with a ledger on top of it.
02Networks and assets
Ethereum, BNB Smart Chain, Polygon, Arbitrum and Tron for deposits and withdrawals, plus Bitcoin for deposits. Native coins, stablecoins such as USDT and USDC, and tokens such as DAI and WBTC, with more being added — GET /v1/chains has the live list.
03Your own token
You can request a custom ERC-20, BEP-20 or TRC-20 token for your account. Once a token is approved and active you can invoice it (in token units) and withdraw it. The details are on the custom tokens page.
04Good to know
- Funds are held for you in a dedicated wallet per merchant per network, not in a wallet whose keys you hold yourself. See what that means.
- There is no testnet. Test keys transact on real networks, so your first test is a small real payment.
- Transactions are irreversible once confirmed.
Questions
- Do I hold my own keys with Payaries?
- No. Payaries holds the funds for you in a dedicated wallet per merchant per network, never pooled with other merchants, and you can withdraw to any address on demand.
- Can I accept payments in my own token?
- Yes, once it's approved. You request a custom ERC-20, BEP-20 or TRC-20 token and it is reviewed; after approval and activation you can create invoices in it (priced in token units, not fiat) and withdraw it, with a flat USD fee paid from your fee wallet.
- Is there a testnet?
- No. Payaries runs on real mainnet networks only; test-mode keys transact on the same networks as live keys.
Keep reading
- A crypto payment API that behaves like the rest of your stackA REST crypto payment API: create an invoice, get a one-time deposit address, receive signed webhooks and withdraw on demand. HMAC-signed and idempotent.
- Custom token payments: bring your own ERC-20, BEP-20 or TRC-20 tokenRequest your own ERC-20, BEP-20 or TRC-20 token on your Payaries account. How review works, and how invoices, fees and withdrawals work once it is approved.
- Accept USDT payments on Ethereum, BNB Smart Chain, Polygon, Arbitrum, Tron and moreAccept USDT on Ethereum, BNB Smart Chain, Polygon, Arbitrum and Tron — and more networks as they ship — through one API, with a locked fiat rate and on-demand withdrawals.
- How a crypto payment gateway works, from invoice to settlementHow a crypto payment gateway works, step by step: invoices, one-time deposit addresses, confirmations, settlement and withdrawals.
- ERC-20 USDT and USDC payment gatewayAccept ERC-20 USDT, USDC, DAI and WBTC on Ethereum through one API: a one-time deposit address per invoice, confirmation tracking, signed webhooks and on-demand withdrawals.
- Accept crypto payments in your online store, SaaS or marketplaceAdd crypto checkout to an online store, SaaS product or marketplace through a REST API: price in fiat, accept USDT or USDC, and release the order from a signed webhook.
- Platform overviewWhat Payaries does and the chains it covers.