NEW W3XPay now supports Solana stablecoin settlement and aggregated swap Learn more
W3XPayW3XPay
Web3 Payment Infrastructurev2

Crypto collection, payout & swap built for global business

One API for collection, payouts and instant swap. On-chain settlement in minutes, real-time rate locking, and institution-grade risk controls — built to scale with your business worldwide.

1:1 fully reserved funds 99.99% uptime SLA 24/7 on-chain risk control
TRUSTED BY 1,200+ BUSINESSES WORLDWIDE
Hosted checkout

A checkout that works out of the box

No code required — share a link and get paid. Multi-chain, multi-asset, rate-locked and localized, as smooth as traditional payments.

BrandableYour logo, colors and domain
LocalizedAuto language & fiat pricing
Conversion-optimizedMobile-first, shortest path to pay
Explore hosted checkout
Swap

Second-level swap on aggregated liquidity

Instant conversion between major assets, aggregating multiple liquidity sources, with rate locks, zero-slippage protection and an OTC desk for size.

Best-route aggregationAuto-finds the best price across DEXs and market makers
30-second rate lockQuote is the fill price — we absorb the volatility
OTC desk for sizeDedicated quotes for large orders, better depth and spread
See swap capabilities
One platform

One platform for global money movement

Collection, payout and swap share one account, risk engine and settlement layer — built to scale.

$2.8B+
Annual volume processed
1,200+
Enterprise merchants
60s
Average settlement time
99.99%
System availability
Core products

Collection, payout and swap — one unified rail

The full crypto money-movement stack. Compose what you need, integrate your way.

Collect

Unique deposit address per order, automatic on-chain monitoring, real-time callbacks, and fully automated sweeping & reconciliation.

Dynamic addresses · per-order reconciliation Hosted checkout or API Real-time webhook notifications

Payout

Batch on-chain payouts with multi-level approval, limit controls, scheduled runs and full API automation.

Single / batch · high concurrency Approval flows & allowlists Smart network-fee optimization

Swap

Second-level conversion between major assets, aggregated liquidity, 30-second rate locks and OTC quotes for size.

Rate lock · zero slippage Aggregated liquidity depth OTC desk for large orders
How it works

Integrate in three steps, get paid today

From order creation to settlement, fully automated — no nodes to run.

1

Create an order

Create a payment via API or hosted checkout. We generate a dedicated address and lock the rate instantly.

2

Customer pays

Customer scans or transfers; we monitor the chain in real time, confirm automatically and fire your webhook.

3

Settle & withdraw

Funds are auto-swept, optionally swapped to stablecoins, and settled T+0 to your treasury wallet.

Assets & networks

Major assets and chains, covered

30+ assets across 12 networks and growing — new chains need zero code changes.

USDTTRC20 · ERC20 · BEP20
USDCERC20 · Solana · Polygon
BTCBitcoin mainnet
ETHEthereum mainnet
TRXTRON mainnet
BNBBNB Smart Chain
SOLSolana mainnet
+30 more assets and counting
TRONEthereumBNB ChainSolanaPolygonArbitrumBaseBitcoin
Developer first

A few lines of code, all capabilities

Clean RESTful design, thorough docs, and a full sandbox to build against.

Unified REST APIOne auth & callback model across collect, payout and swap
Reliable webhooksSigned, retried automatically — every event delivered
Sandbox environmentFull testnet simulation before you go live
cURLNode.jsPythonGo
# 创建一笔收款订单 curl https://api.w3xpay.com/v1/payments \ -H "Authorization: Bearer sk_live_…" \ -d amount=1280.00 \ -d currency="USDT" \ -d network="TRC20" \ -d notify_url="https://yourapp.com/hooks" # 响应 · 60ms { "id": "pay_9f2K…", "address": "TXk9pUaJr3vDqE8…", "rate_locked_until": 1781082432, "checkout_url": "https://pay.w3xpay.com/o/…" }
Pricing

Transparent pricing, no hidden fees

Pay per transaction. No monthly fee, no minimums, volume discounts available.

Collect
0.8%
per successful payment
Checkout & API included Real-time notifications Free auto-sweeping
MOST POPULAR
Payout
0.5%
per payout + network fee
Same price for batches Smart fee routing Auto-refund on failure
Swap
0.2%
spread, all-inclusive
30-second rate lock No extra fees OTC quotes for size
Over $1M monthly volume? Talk to us about enterprise rates
Security & compliance

Institution-grade security, funds always in control

From key management to on-chain risk control, every layer is built to financial-institution standards.

MPC + multisig

Sharded keys — no single point can move funds

Cold / hot separation

Cold storage for reserves, auto-balanced hot wallet limits

On-chain AML screening

Real-time risk-address detection, suspicious flows blocked

Audit & compliance

Regular third-party audits, verifiable reserves

FAQ

Frequently asked questions

Hosted checkout needs zero code — generate a payment link right after sign-up. API integration typically takes 1–3 days with our sandbox and solution engineers.

Funds are credited as soon as the chain confirms, with T+0 settlement to your treasury wallet. Stablecoin settlement runs 24/7 with no banking cut-offs.

Rates lock for 30 seconds at order creation (configurable). Payments within the window settle at the locked rate — W3XPay absorbs the volatility.

Settle in the original asset, auto-swap to USDT/USDC, or split by ratio — flexible to match your treasury policy.

MPC threshold signing with cold/hot separation, multi-level approvals, allowlists and on-chain AML screening — plus regular third-party security audits.

Ready to accept Web3 payments?

Talk to our solutions team for a tailored integration plan and enterprise rates.