Merchant tutorial

1. Create an account and login.
2. Go to Profile and set your Base Currency (USD/EUR/AED/TRY/AUD).
3. Go to Request Payment and create a payment request in your base currency.
4. Open the link and pay in USDC/USDT. The checkout shows subtotal, fee, and total.
5. After on-chain confirmation, both customer and merchant receive an email + PDF receipt.

Note: FX rate shown to customers is “all-in” (already includes any conversion spread). We do not show markup as a separate line item.

Your merchant account runs in a base currency. Payment requests and services can be created in that currency. Customers pay in USD stablecoins (USDC/USDT). The system converts your base currency to USD at checkout using an all-in FX rate.

• Base currency affects new payment requests and new services.
• Existing services keep their own currency (USD/AUD/etc.).
• FX rates update automatically using our FX provider.

Use Request Payment to send customers a payment link by email. Enter the amount in your base currency.

Checkout always shows totals in USD stablecoin because customers pay in USDC/USDT.

Services let you generate payment links via API for a specific product or workflow. Each service has its own currency (locked at creation time).

In the Merchant Portal: Services → Create new service. The service currency equals your base currency at creation time.

Request/response structure stays the same. For non-USD services, amount_usd is interpreted as the service currency amount.

curl -X POST https://paymentprocessor.codegotech.com/api/service-links \
  -H "Content-Type: application/json" \
  -d '{
    "service_key": "YOUR_SERVICE_KEY",
    "amount_usd": 10,
    "unique_id": "invoice_123"
  }'

The response contains payment_url (open it in a browser to pay).

Services can define:

• Webhook URL: called after payment confirmation (paid)
• Redirect URL: customer redirected after paid

Webhook payload contains order/payment identifiers. Use it to mark invoices as paid.

By default the customer pays the processing fee (shown transparently at checkout). Premium/Elite merchants can optionally absorb fees for a “no surcharge” checkout.

• Starter: 1.20% customer fee
• Pro: 1.00% customer fee
• Premium: 0.70% customer fee + branding + optional merchant-paid fee
• Elite: 0.50% customer fee + branding + optional merchant-paid fee

Premium and Elite merchants can brand the checkout:

• Logo
• Primary color

Branding applies only where enabled and supported by plan.

After payment confirmation:

• Customer receives an email receipt
• Merchant receives an email receipt
• A PDF receipt is attached

Merchants can request withdrawals from Withdraw:

• Bank transfer: supports multi-currency, minimum equivalent to 100 USD.
• Crypto: currently supported for USD balance (USDC ERC20).

Withdrawals are processed offline by admin. Status changes send confirmation emails with PDF.

• Login is protected by CAPTCHA.
• Receipts and sensitive operations are logged and idempotent.
• Withdraw approvals happen via admin workflow.