PayDeFi

PayDeFi Overview For Merchants

PayDeFi is a crypto payment acceptance platform for online merchants where customers pay from non-custodial Web3 wallets and the merchant settles in USDC. It is described as a peer-to-peer, push-payment model on decentralized blockchain networks, supported by a merchant dashboard plus an API and webhooks for creating payments and tracking payment status.

PayDeFi Payment Acceptance Model

PayDeFi’s documented checkout experience centers on a “Payment Widget” flow where a customer selects “Pay with crypto,” connects a wallet, selects chain and token, confirms the payment in their wallet, and then returns to the merchant site after completion. Variants are documented for web, mobile (wallet-app redirects), and QR (WalletConnect scanning and approvals on mobile).

On the merchant side, PayDeFi uses a hosted payment URL returned by the API in the format https://paydefi.io/payment/{PAYMENT_ID}, which can be used as a redirect-based hosted payment page.

Payment Flows

Standard Payments

Standard payments allow customers to choose among the networks the merchant has enabled in settings and then select a token available through swap providers. When payment completes, the merchant receives USDC, and non-USDC tokens are exchanged to USDC before transfer to the merchant wallet. Fiat pricing can be configured as USD, EUR, or UAH.

Restricted Payments

Restricted payments let the merchant preselect chain and token in the payment request, so the customer cannot change them at checkout. Settlement remains USDC, and fiat pricing can be configured as USD, EUR, or UAH.

Supported Networks, Tokens, And Wallets

PayDeFi lists support for Ethereum, Binance Smart Chain, Polygon, Avalanche, Arbitrum, Optimism, and Solana, and the documentation exposes a chains endpoint (GET /chain-config/chains) with IDs for those networks.

PayDeFi positions broad token support and provides token examples by network. The documentation also exposes a tokens endpoint (GET /chain-config/tokens?chainId={chainId}) to retrieve available tokens for a specific chain.

For customer wallets, PayDeFi highlights self-custody wallet usage (for example MetaMask, Trust Wallet, Rainbow, Phantom, Ledger, Trezor, Coinbase Wallet) and lists several exchanges with built-in Web3 wallets (for example Binance, OKX, Crypto.com, KuCoin, Kraken).

Settlement, Statuses, And Pricing

PayDeFi markets “instant settlement” in USDC and displays an average settlement time of 5 seconds. In the status model, “Accepted” indicates the transaction was detected and funds were received, while “Completed” indicates finalization and protection against forks or reorganizations.

PayDeFi states there are no setup fees and no monthly fees, and that pricing is custom based on volume and requirements. It also states that its fee is automatically deducted during each transaction and described as a small percentage.

Developer Integration

Setup

The integration guide describes these prerequisites:

1. Register an account.
2. Set the merchant wallet address in settings.
3. Obtain API credentials.
4. Add a webhook endpoint for payment status updates.

The admin panel guide notes that chains are selected in settings and that Solana wallet configuration is handled in a separate tab.

API Access

PayDeFi lists the API base URL as https://api.paydefi.io/ and shows API-key authentication via a Paydefi-Api-Key header. A public Swagger API reference is linked at https://api.paydefi.io/.

Webhooks And Signature Verification

PayDeFi documents webhooks for payment status changes and describes HMAC SHA256 signature verification via a Paydefi-Signature header computed using the merchant webhook secret. Event references include statuses such as ACCEPTED, COMPLETED, EXPIRED, and CANCELLED.

Merchant Operations And Support

PayDeFi documents dashboard workflows for managing wallet settings, API keys, and webhooks. Support options in the documentation include email support (support@paydefi.io).

Conclusion

PayDeFi offers a multi-chain crypto checkout option for online merchants that combines customer-driven wallet payments with merchant settlement in USDC. The platform supports a payment widget and hosted payment URLs, plus an API and HMAC-signed webhooks for creating payments and tracking their status lifecycle.