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General concepts about CPAY

CPAY is the simple API for the crypto payments. Your easy to use, secure, and privacy-oriented payment gateway. Accept cryptocurrency on your website and get paid instantly, just with your crypto address. Forget all about lengthy sign-ups, applying for merchant accounts, and being restricted to one cryptocurrency.

With CPAY you can give more choices to your customers, by accepting payments in multiple cryptocurrencies, including:

  • Bitcoin;
  • Ethereum;
  • USDT ERC-20;
  • USDC ERC-20;
  • TrueUSD ERC-20;
  • BNB;
  • BUSD BEP-20;
  • USDT BEP-20;
  • BTCB BEP-20;
  • USDC BEP-20;
  • TrueUSD BEP-20;
  • ADA BEP-20;
  • DOGE BEP-20;
  • SHIB BEP-20;
  • EOS BEP-20;
  • Tron (TRX);
  • USDT TRC-20;
  • USDC TRC-20;
  • TrueUSD TRC-20;
  • Polkadot;
  • Kusama;
  • Polygon MATIC;
  • TrueUSD MATIC;
  • ETH OP;
  • USDT OP;
  • USDC OP;
  • TrueUSD OP;
  • ETH ARB;
  • Arbitrum;
  • TrueUSD ARB;
  • GLMR;
  • Solana;
  • Avalanche;
  • Fantom;
  • (more coming soon).


  • Multi-currency Integration, now support BTC, ETH + ERC-20 tokens, BNB + BEP-20 tokens; Tron + TRC-20 tokens; Polkadot, Kusama, Polygon and MATIC tokens, ETH OP and OP tokens, ETH ARB and ARB tokens, Moonbeam + GLMR tokens, Solana + USDC token, Avalanche + USDT token; Fantom + USDT token.
  • Replenishment through wallets or through checkouts;
  • Swap currencies;
  • All funds are stored in the merchant's wallets. Funds from client wallets are sent to the merchant's wallets, creating a replenishment transaction;
  • Accept payments in multiple cryptocurrencies without extra code trending_down;
  • Lowest Fees & No Hidden Costs;
  • Our SystemFee is as low as 1% on your customers' payments;
  • Secure SSL/TLS requests;
  • Our system is designed to provide the fastest payment confirmations;
  • Easy Integration,generate a new payment address with literally 1 line of code;
  • No Polling Required, our system will notify your callback when the payment is confirmed;
  • Privacy Oriented, no personal details required to start getting paid.

Why use CPAY?​

  • Keep Your Funds Secure, receive your payments directly to merchant wallets;
  • Don't be Surprised With High Fees;
  • No hidden costs or hard-to-understand fees, in CPAY exists three type of fees:
    • Miner Fee - network fee, varies depending on the network load and transaction amount. The owner of the merchant can establish who pays Miner Fee for sending funds from the client's wallet to the merchant's wallet: the merchant or the customer. If the customer has chosen, then the balance of the client's wallet when replenishing is displayed with the deduction of Miner Fee. As an example, a user replenishes his wallet with 0.1 ETH, customer pays the Miner Fee and user will see 0.09976 ​ETH on the balance.
    • Merchant Fee - fee that set by the owner of the merchant, thus earning on replenishment of clients to client wallets. Client wallet balances are updated taking into account the Merchant Fee. As an example, a user replenishes his wallet with 0.1 ETH, the Merchant Fee is set at 10% in the merchant and the user will see 0.09 ETH on the balance.
    • System Fee - CPAY commission charged upon withdrawal and when funds from the client's wallet are transferred to the merchant's wallet. System Fee is sent from the merchant's wallet to a special System Fee wallet after a replenishment or withdrawal transaction has been completed. Only 1%
  • Forget the Cronjobs, you don't need to poll our service to check if the user paid, our service will notify you;
  • Dedicated Infrastructure. We have a dedicated and vertically integrated infrastructure, to make sure your payments are never lost and we can help you with any issues that may arise.

System Fee tiers by volume​

Minimum replenishment value

CoinMin TX. Value for client walletsMin TX. Value for merchants walletsMin.FeeSystem % Fee
USDT (ERC-20)100.011%
USDC (ERC-20)100.011%
TrueUSD (ERC-20)100.011%
BUSD (BEP-20)100.011%
USDT (BEP-20)100.011%
BTC (BEP-20)000.0000181%
USDC (BEP-20)100.011%
TrueUSD (BEP-20)100.011%
ADA (BEP-20)100.11%
DOGE (BEP-20)5051%
SHIB (BEP-20)1000000100001%
EOS (BEP-20)0.500.51%
LOT.TRADE LOTT token000.011%
USDT (TRC-20)100.011%
TrueUSD (TRC-20)100.011%
USDC (TRC-20)100.011%
Polygon Matic0.100.011%
MANAV token000.011%
USDT (Polygon)100.011%
USDC (Polygon)100.011%
TrueUSD (Polygon)100.011%
ETH (Optimism)0.000100.00011%
USDT (Optimism)100.011%
USDC (Optimism)100.011%
TrueUSD (Optimism)100.011%
ETH (Arbitrum)0.000100.00011%
USDT (Arbitrum)100.011%
TrueUSD (Arbitrum)100.011%
USDC (Arbitrum)100.011%
USDT (Moonbeam)100.011%
USDC (Moonbeam)100.011%
USDC SOL100.011%
USDT AVAX100.011%
USDT FTM100.011%

Fee tiers by volume

30-day Volume (USD)%Fee

Networks which we use:​

  • For Bitcoin:
    • mainnet - Bitcoin;
    • testnet - Bitcoin testnet.
  • For Ethereum and its tokens:
    • mainnet - Ethereum mainnet network;
    • testnet - Sepolia testnet network.
  • For BNB and its tokens:
    • mainnet - BSC mainnet;
    • testnet - BSC testnet.
  • For Tron and its tokens:
    • mainnet - TRON Mainnet (TronGrid);
    • testnet - TRON Shasta Testnet.
  • For Polkadot:
    • mainnet - Polkadot;
    • testnet - Westend.
  • For Kusama:
    • mainnet - Kusama;
    • testnet - Rococo.
  • For Polygon MATIC:
    • mainnet - Polygon;
    • testnet - Mumbai.
  • For Optimism:
    • mainnet - OP mainnet;
    • testnet - OPGoerli Testnet Network.
  • For Arbitrum:
    • mainnet - Arbitrum one;
    • testnet - ARBITRUM Goerli Network.
  • For Moonbeam:
    • mainnet - Moonbeam mainnet;
    • testnet - Moonbase Alpha testnet.
  • For Solana:
    • mainnet - Solana RPC - Mainnet Beta;
    • testnet - Solana Devnet.
  • For Avalanche:
    • mainnet - Avalanche mainnet;
    • testnet - Fuji testnet.
  • For Fantom:
    • mainnet - FTM mainnet;
    • testnet - FTM testnet.