Skip to content

Getting Started

On this page

Overview

Explore the Paymos Merchant API for invoices, token balances, signed webhooks, and withdrawals to whitelisted wallets on 11 payout networks.

How it works

  1. You create an invoice

    Your server posts to the Paymos API with the amount and currency.

  2. Customer pays

    Redirect to payment_url, embed the same checkout in an iframe with ?embed=true, or drop in the Low-Code SDK to open it as a modal. On a Telegram-bot project that same link opens the Paymos bot, and the payer never leaves Telegram.

  3. Paymos watches the chain

    Paymos detects the payment on-chain and confirms it once it reaches the number of confirmations that network requires.

  4. Webhook fires

    Your server receives the signed event with the payment details.

  5. Balance credited

    The asset lands in your Paymos balance, ready to withdraw on your schedule.

Why Paymos

What you get How it works
No chargebacks On-chain payments are final at confirmation depth. No card-rail reversal 60 days later.
Per-merchant pricing 1.0% all-in standard rate for everyone. Enterprise is 0.3%, on request. No monthly fee. Your current tier is on the dashboard.
Withdraw on your schedule Balance credits at confirmation. Withdraw daily, hourly, never — your call. We don't lock funds.
Stablecoins and XAUT only 4 fiat-pegged stablecoins (USDT, USDC, USD1, DAI) plus gold-backed XAUT. No volatile altcoins, no surprise settlement values.
13 production networks A curated set with redundant RPC providers for each supported chain.
HMAC-signed REST One canonical signing scheme; one auth pipeline; same security model your customers' APIs already use.
Hosted checkout Send a payment_url, embed it with ?embed=true, open it as a modal with the Low-Code SDK, or build your own UI on the REST endpoints. All of it applies to every project except a Telegram-bot one.
Telegram bot checkout A project set to Telegram bot returns payment_url as a deep link into the Paymos bot. The payer picks asset and network and pays inside Telegram, without a Paymos account.
Invoices or channels An invoice is one payment request with an amount and an expiry. A payment channel is one payer's permanent address that keeps accepting — no amount, no expiry, no address rotation.

Who uses Paymos

  • —E-commerce — accept stablecoins at checkout alongside cards
  • —SaaS & digital services — bill international customers that card rails decline, without geographic gates
  • —Donations & creators — accept tips and contributions in stablecoins
  • —iGaming / high-risk — categories card processors refuse, on a payment rail that doesn't care
  • —Freelancers and agencies — receive cross-border payments without correspondent-bank fees

Getting started

Quick Start