Introduction

PayCoin is a crypto payment gateway. Each transaction creates a unique payment request with its own deposit address and QR code. Funds settle directly to your wallet, and PayCoin verifies them on-chain and updates the status in real time.

Overview

PayCoin accepts USDT as the settlement asset, paid over the BSC (BEP-20) network for low fees and fast confirmation. You create a payment for a fiat amount; PayCoin locks an exchange quote, issues a one-time deposit address, and notifies you the moment the customer pays.

Two ways to integrate

Pick the flow that fits your stack:

1. 1 · REST API + webhooks
   Call POST /v1/payments to get a unique USDT deposit address, render it as a QR on your own page, and react to signed payment.settled webhooks. You own the UI. Create a payment →
2. 2 · Create link — no backend call
   Encode the whole order as JSON, sign it with your account secret, and link the customer to a single PayCoin URL — no server-to-server call. PayCoin verifies the signature, creates the payment, hosts the checkout, and redirects back with the same signed JSON result. Create link →

How it works

1. Create a payment request
   Send the fiat amount and a callback URL. PayCoin returns a unique USDT address and a QR code.
2. Customer pays on-chain
   The customer scans the QR or copies the address from your checkout and sends USDT.
3. PayCoin confirms automatically
   We watch the blockchain, count confirmations, and move the payment through its lifecycle.
4. You get a webhook
   A signed payment.settled event fires when funds are confirmed. Fulfil the order.

Non-custodial by design

PayCoin never holds your funds. Each deposit address belongs to your wallet, so USDT moves directly from your customer to you. PayCoin only observes the chain and reports status.