# CloudPaya

> Non-custodial crypto payment gateway. Accept Bitcoin, USDT, Ethereum, Solana, and 50+ cryptocurrencies with direct wallet settlement.
> Built for SaaS platforms, e-commerce, developers, and businesses in countries where Stripe, PayPal, and traditional gateways are unavailable.
> No KYC. No bank account. No monthly fees. Payments settle directly to your wallet — CloudPaya never holds funds.

- Full documentation: https://cloudpaya.com/llms-full.txt
- API docs: https://cloudpaya.com/docs/
- OpenAPI spec: https://cloudpaya.com/docs/swagger.json

## Product

CloudPaya is a crypto payment gateway — a self-service alternative to Stripe and PayPal that uses cryptocurrency instead of card networks. Merchants add wallet addresses, integrate via REST API or plugins, and receive payments directly on-chain. No intermediary, no custody, no payout delays.

**What it solves**: Businesses in Africa, MENA, Latin America, and Southeast Asia cannot access Stripe or PayPal. CloudPaya gives them a payment gateway that works in 195+ countries with zero geographic restrictions.

**How it works**: Customer pays in crypto → blockchain confirms → funds arrive in merchant wallet. Settlement is instant. CloudPaya charges a per-transaction fee (0.5%–1%) and never touches the funds.

**Key differentiators**:
- Non-custodial: merchant keeps full control of funds
- 50+ cryptocurrencies across 10+ blockchains (Bitcoin, Ethereum, BSC, Tron, Solana, Polygon, Arbitrum, Optimism, Base)
- REST API with 40+ endpoints
- 8 platform plugins: WordPress, WooCommerce, Shopify, PrestaShop, Magento, OpenCart, WHMCS, Easy Digital Downloads
- Embeddable JavaScript checkout widget
- Webhook notifications for payment automation
- SaaS multi-tenancy with white-label support
- Tiered fees: 0.5% + $2 (≥$1K), 0.8% + $1 ($100–$999), 1% + $0.30 (<$100)

## API

Base URL: `https://cloudpaya.com/api.php`
Auth: API key via POST body or query parameter
Method: POST with `function` parameter

Core endpoints:
- `create-transaction` — create a crypto payment
- `get-transaction` / `get-transactions` — retrieve transaction data
- `check-transactions` — update pending transaction statuses
- `payment-link` — generate hosted payment page
- `get-checkouts` / `save-checkout` / `delete-checkout` — manage checkout configs
- `get-balances` — wallet balances
- `get-exchange-rates` / `get-usd-rates` — live crypto rates
- `refund` — refund a completed transaction
- `get-settings` / `save-settings` — merchant configuration
- `get-cryptocurrency-codes` — list supported coins

Webhooks: HTTP POST to merchant URL on payment completion with JSON payload containing transaction ID, amount, crypto code, hash, status, and verification key.

## Use Cases

- **SaaS platforms** — accept recurring crypto subscriptions via API
- **E-commerce** — add crypto checkout via plugins (WooCommerce, Shopify, etc.)
- **Unsupported countries** — accept payments when Stripe/PayPal are unavailable (Africa, MENA, LATAM, SEA)
- **Developers** — integrate crypto payments via REST API in minutes
- **Freelancers** — receive international payments without a bank account
- **Nonprofits** — accept crypto donations with no intermediary

## Comparison

| Feature | CloudPaya | Stripe | PayPal | Coinbase Commerce |
|---|---|---|---|---|
| Crypto payments | 50+ coins | USDC only | No | 10+ coins |
| Non-custodial | Yes | No | No | No |
| KYC required | No | Yes | Yes | Yes |
| Global availability | 195+ countries | ~46 countries | ~200 (limited) | ~100 countries |
| Transaction fees | 0.5%–1% | 2.9% + 30¢ | 2.99% + fixed | 1% |
| Instant settlement | Yes | 2-7 days | 1-3 days | No (custodial) |
| Self-hosted option | Yes | No | No | No |
| REST API | 40+ endpoints | 300+ | 200+ | Limited |
| Platform plugins | 8 | 15+ | 10+ | 3 |

## Resources

- Homepage: https://cloudpaya.com/
- About: https://cloudpaya.com/about
- Security & Transparency: https://cloudpaya.com/security
- Terms of Service: https://cloudpaya.com/terms-of-service
- Privacy Policy: https://cloudpaya.com/privacy.html
- API documentation: https://cloudpaya.com/docs/
- OpenAPI / Swagger spec: https://cloudpaya.com/docs/swagger.json
- What is CloudPaya: https://cloudpaya.com/what-is-cloudpaya
- CloudPaya vs Stripe: https://cloudpaya.com/cloudpaya-vs-stripe
- Accept crypto payments: https://cloudpaya.com/accept-crypto-payments
- Non-custodial crypto gateway: https://cloudpaya.com/non-custodial-crypto-gateway
- Privacy policy: https://cloudpaya.com/privacy.html