FiatPay — Multi-Chain Stablecoin Payment Gateway

Features

Why choose FiatPay

A complete stablecoin-payment infrastructure. We don't swap tokens, we don't custody your funds — we just make sure every payment lands safely.

⚡

CREATE2 Zero-Cost Addresses

Each order gets a unique deposit address derived off-chain. Contracts deploy only at sweep time, saving up to 99% of gas.

🌐

Multi-Chain Collection

A single API reaches Polygon, BSC, Base, Arbitrum, and Optimism — payers pick their chain and token on the checkout page.

💎

Hosted Payment Page

Production-ready multilingual checkout (English, Traditional Chinese, Japanese) with QR code, countdown timer, and one-tap WalletConnect.

🔌

Flexible Integration Modes

Hosted redirect, embedded iframe widget, headless JS SDK, or raw REST API — pick whatever fits your product.

💰

Real-Time Fiat Conversion

Quote in USD, EUR, JPY, TWD, KRW, and 5 more fiats. Built-in rate caching so merchants price in the currency they know.

📊

Full Merchant Dashboard

Self-serve signup, order management, revenue analytics, funnel conversion, chain performance, and daily settlement breakdowns.

🔔

HMAC Webhooks

Real-time order status push with signature verification, retry logic, and custom callback URL overrides.

🏦

Daily Batch Settlement

Settlement batches are generated automatically at 00:00 UTC. After admin review, funds are paid out in USDT to the merchant's wallet.

🛡️

Non-Custodial Refunds

Original payer addresses are recorded; refunds are sent from the merchant's own wallet. The platform never touches refund funds.

How it works

Four steps to a complete payment

From order creation to treasury consolidation, the entire flow runs automatically.

Create Order

Merchant calls POST /api/v1/payments and receives a payment_id along with a hosted checkout URL.

Payer Selects Chain

Checkout page shows available chains and tokens, fee breakdown, and a countdown. Payer scans QR or uses WalletConnect.

On-Chain Confirmation

Chain Monitor detects deposits in real time. Once the required confirmations are reached, status is pushed via WebSocket.

Sweep & Settlement

Sweep Worker consolidates funds to the treasury. A daily batch pays out to the merchant's wallet and fires the webhook.

Integration

Four integration modes, your pick

From zero-code redirect to deep embed — there's a fit for every product shape.

Hosted Payment Page Fastest

Call the API once to get a payment URL, then redirect users to our hosted page. Zero frontend work.

// 1. Create order
const res = await fetch('/api/v1/payments', {
  method: 'POST',
  headers: { 'X-API-Key': key },
  body: JSON.stringify({
    base_amount: '10.00',
    description: 'Order #1234'
  })
});
// 2. Redirect to checkout
window.location = res.paymentUrl;

Embedded Widget iframe

Load the widget with one script tag. The checkout flow embeds inside your site, with events delivered via postMessage.

<!-- Load the widget -->
<script src="https://pay.fiatpay.com/widget.js"></script>

<div data-fiatpay="pay_abc123"></div>

<script>
  window.addEventListener('message', (e) => {
    if (e.data.type === 'payment.completed') {
      // Handle payment completion
    }
  });
</script>

JS SDK headless

Full UI control. The SDK only handles API calls and WebSocket subscriptions. ESM + CJS dual format, zero dependencies.

import { FiatPayClient } from '@fiatpay/sdk';

const client = new FiatPayClient({ apiKey });

const payment = await client.payments.create({
  baseAmount: '10.00',
  currency: 'USD'
});

client.subscribe(payment.paymentId, (evt) => {
  console.log('Status:', evt.status);
});

REST API native

Full OpenAPI 3.1 spec. Works with any language. Covers payments, settlements, reports, and analytics endpoints.

# Create order
curl -X POST https://api.fiatpay.com/api/v1/payments \
  -H "X-API-Key: $KEY" \
  -H "Content-Type: application/json" \
  -d '{"base_amount":"10.00"}'

# Query status
curl https://api.fiatpay.com/api/v1/payments/pay_abc/status \
  -H "X-API-Key: $KEY"

Accept USDT / USDC
as easily as credit cards