Checkout where the payer picks the coin
Price in USD. Your customer chooses any accepted coin and the rate locks until expiry — mixed payment lets several transfers settle one invoice.
No KYC · self-hosted · your keys, your money
The payment rail
banks can't switch off.
Invoices priced in dollars, paid in any coin your customer likes. Links, donations, a real wallet, automatic treasury sweeps and a Payout API — running on your own server.
- flat fee, nothing hidden
- 0.5–1%flat fee, nothing hidden
- to on-chain finality
- ~60 sto on-chain finality
- of keys stay with you
- 100%of keys stay with you
The product
Everything a business needs to run on crypto
One real wallet
Every payment lands in your central wallet with live USD valuation.
Payout API
One POST sends a withdrawal. Scoped keys, IP allowlists.
Payment links & donations
A short link that takes money — branding, customer fields, embeddable donate button. No code.
Telegram-native
A wallet mini app inside Telegram plus OxaPay-style payment alerts from your bot.
Security that compounds
2FA, withdrawal password, address book, activity log, IP allowlists — and a double-entry ledger that must always balance.
No KYC, no middleman
No identity checks, no bank, no third party holding your money. You run the gateway; funds settle straight to your wallet.
How it works
Live before your coffee cools
01
Create your account
One minute, free. Add a merchant API key or just share a payment link.
02
Get paid on-chain
Customers pay on a branded checkout in the coin they prefer. We watch the chain, confirm and credit.
03
Money moves itself
Funds sweep to your treasury automatically. Withdraw by hand, by rule, or through the Payout API.
Developers
An API you'll actually enjoy
Clean JSON everywhere, OxaPay-compatible headers, idempotency keys, and webhooks signed with HMAC-SHA512 that retry with backoff. Test on Tron Nile with one env flag.
- Create a USD invoice in one call — the payer picks the coin
- Payout API: programmatic withdrawals with scoped keys + IP allowlists
- Static addresses & white-label flows for platforms
- Signed webhooks: invoice.paid, invoice.underpaid, invoice.expired…
create-invoice.sh
curl -X POST https://api.payxif.com/v1/invoices \
-H "X-API-Key: pxk_live_..." \
-d '{
"amount_usd": "49.99",
"order_id": "A-1042",
"callback_url": "https://shop.example/hook"
}'
# 201 — redirect the customer to data.pay_link
# webhook fires the moment it's paidFAQ
Questions, answered
Which coins and networks does PayXif support?
USDT and native coins on Tron and BNB Smart Chain out of the box, with Ethereum and Polygon ready to enable. Every coin is a switch in the admin panel — your customers only ever see the coins you accept.
How do USD-priced invoices work?
You create an invoice for e.g. $49.99. The customer opens the hosted checkout, picks any accepted coin, and the USD→coin rate is locked until the invoice expires. Mixed payment lets them settle one invoice with several transfers, even in different coins.
What are the fees?
A configurable 0.5–1% service fee per payment — nothing hidden. Network costs are engineered away: addresses are recycled and Tron transfers run on staked energy instead of burning TRX, so a $25 payment costs cents, not dollars, to process.
Do my customers need an account?
No. Payers just open the payment page, pick a coin and send. Your own team gets a full dashboard; customers never have to sign up.
Is there any KYC or identity verification?
No. PayXif is a self-hosted, non-custodial gateway — there is no identity check, no bank, and no third party holding funds. You run it, and payments settle straight to your own wallet. You decide what compliance, if any, your business needs.
How fast are payments confirmed?
Deposits are detected within seconds and credited after chain finality — about one minute on Tron (19 blocks). You get a signed webhook and a Telegram notification the moment an invoice is paid.
Can I send payouts programmatically?
Yes. Payout API keys (with IP allowlists) let your backend send withdrawals with one POST request — approval rules, a second withdrawal password for manual sends, and a double-entry ledger keep funds safe.
Your first payment is minutes away
Create the account, drop a payment link in your bio, watch the wallet move.