PayOwl

No login needed

Our service is designed to be simple and efficient. You do NOT need to SIGNUP/LOGIN or use an API key. All the necessary details to process a transaction (such as the settlement address, coin/token/network, callback URL, and more) are included in each API request.

To start using our service, simply integrate our API into your platform by following the instructions provided in our documentation. If you require any technical assistance, don’t hesitate to reach out to us.

Support

How can we help?

Answers to what merchants ask most, and where to look when something doesn't add up.

Documentation →

Guides, callbacks, code examples and the full API reference.

Payment logs →

Every payment to an address, with each callback attempt and response.

Go-live checklist →

Ten checks before accepting real payments.

Frequently asked questions

Do you ever hold my funds?

No. Each deposit address is a smart contract that can only forward to the wallet you gave us, which is fixed into the address itself. Even if PayOwl went offline, the funds could only ever go to you.

Are there monthly fees?

No. You pay 1% per payment and nothing else: no setup fee, no subscription, no withdrawal fee. If you receive nothing, you pay nothing.

Which coins and networks can I accept?

USDT, USDC and BNB on BNB Smart Chain, and USDT, USDC and POL on Polygon. More networks are planned.

How fast do payments arrive?

Usually 15–60 seconds after the customer sends them: we wait until the payment is final on-chain, then forward it to your wallet.

Do I need a developer?

Yes, PayOwl is an API: your website asks it for a payment address and is notified when the customer has paid. A developer can usually set it up in a few hours, with copy-paste examples for Node.js, PHP and Python. Ready-made plugins for shop platforms are planned.

Do I need to sign up or pass KYC?

No. There's no account and no API key. You can start receiving payments with a single request.

What if a customer sends the wrong amount or coin?

Each coin has a small minimum per payment, and each address accepts the coin it was created for. Showing both at checkout avoids problems; the docs explain the details.

More answers for developers: the docs FAQ.