# A crypto payment gateway for Web3 companies

> You already hold and move crypto. What you may not want to build is invoice tracking, confirmation handling and per-chain wallet plumbing — that is the part Payaries covers.

Updated 2026-10-05 · Payaries · https://www.payaries.com/solutions/web3

## What 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](https://www.payaries.com/guides/handle-underpaid-and-late-crypto-payments), 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.

## Networks 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.

## Your own token

You can request a custom ERC-20, BEP-20 or [TRC-20](https://www.payaries.com/crypto-payment-gateway/trc20) 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](https://www.payaries.com/custom-token-payments).

## Good 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](https://www.payaries.com/guides/custodial-vs-non-custodial-payment-gateway).
- There is no testnet. Test keys transact on real networks, so your first test is a small real payment.
- Transactions are irreversible once confirmed.

> **Check the rules for your activity.** Payaries is a technology platform. Whether your business needs a licence or approval to accept, hold or pay out crypto depends on where you are registered, what you do and who your customers are, and Payaries makes no statement about it. Take advice from a qualified local adviser before you launch.

## 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.

## Try it

Run a real invoice before you commit: [Payaries — www.payaries.com](https://www.payaries.com/signup). Payaries is a multi-chain crypto payment gateway — https://www.payaries.com

## Keep reading

- https://www.payaries.com/crypto-payment-api — A crypto payment API that behaves like the rest of your stack
- https://www.payaries.com/custom-token-payments — Custom token payments: bring your own ERC-20, BEP-20 or TRC-20 token
- https://www.payaries.com/usdt-payment-gateway — Accept USDT payments on Ethereum, BNB Smart Chain, Polygon, Arbitrum, Tron and more
- https://www.payaries.com/guides/how-a-crypto-payment-gateway-works — How a crypto payment gateway works, from invoice to settlement
- https://www.payaries.com/crypto-payment-gateway/erc20 — ERC-20 USDT and USDC payment gateway
- https://www.payaries.com/solutions/ecommerce — Accept crypto payments in your online store, SaaS or marketplace
- https://www.payaries.com/services