Customers pay with any supported token. You receive USDC or USDT in your own wallet.
Payclave is non-custodial crypto checkout for modern merchants. Customers pay with the tokens already in their wallet, from ETH to stablecoins on supported networks, or use Scan or copy. Payclave converts each payment into USDC or USDT on Polygon, settles it directly to a wallet you control, and verifies it onchain before reporting the invoice paid.
USDC BaseConnect a wallet to review route fees and approve the payment directly from your wallet.
USDC BaseConfirm the payment in MetaMask. Funds settle directly to the merchant wallet.
Connected-wallet options depend on the customer's wallet and payment route. Scan or copy can offer one-time deposit instructions on the networks below, subject to route availability. Merchant settlement remains USDC or USDT on Polygon.
Customers pay with what they already hold.
No swapping or bridging before checkout. Customers pick a token from their wallet, or use Scan or copy on a supported network. The payment route converts it on the way, so you always receive USDC or USDT on Polygon in your own wallet.
Pay from any token. The customer picks a verified token they already hold, or sends it with Scan or copy.
A hosted payment flow without Payclave custody.
Payclave provides the customer-facing checkout, payment links, invoices, payment records, API keys, and webhook delivery. Settlement reaches the merchant-controlled wallet you configure. Payclave does not hold it or require a later payout.
Connect a wallet to review route fees and approve the payment directly from your wallet.
USDC BaseConfirm the payment in MetaMask. Funds settle directly to the merchant wallet.
A hosted checkout your customers can finish.
Customers connect a wallet or use Scan or copy, see the exact amount, token, and network, and follow payment status on a Payclave-hosted page. Your site only needs a link or a button.
import { createPayclaveServerClient } from "@payclave/sdk-server"2// Run this on your server4const payclave = createPayclaveServerClient({5 secretKey: process.env.PAYCLAVE_SECRET_KEY,6})7export async function POST() {9// Create a hosted checkout session10const session = await payclave.createCheckoutSession({11 amount: "249.00",12 externalReference: "order_3041",13 idempotencyKey: "order_3041",14})15return Response.json({ checkoutUrl: session.checkoutUrl })16}Public keys in the browser. Secret keys on the server.
JavaScript and React integrations use a public key for limited checkout creation. For production orders, create sessions on your server with a secret key. Signed webhooks, delivery attempts, and idempotency keys support reliable fulfillment.
Connect a wallet
Your keys stay in your wallet.
MetaMask
Coinbase Wallet- Browser Wallet
Other wallets
MetaMaskNetworkBaseCustomers pay from the wallet they already use.
Checkout connects MetaMask, Coinbase Wallet, browser wallets, and other wallets through WalletConnect. Customers review the route and fees, then approve the payment in their own wallet. Payclave never receives their keys.
250.18 USDCTo this address0x7b2C…91fECopyExpires in 22:18No wallet to connect? Scan or copy.
Customers can scan a QR code or copy a one-time deposit address and send from any wallet on a supported network. Payclave verifies the payment onchain before the invoice is marked paid.
AI agents can pay you too.
Every checkout that settles in USDC also answers x402, the open standard for payments over HTTP. An AI agent pays from its own wallet, the money lands in yours, and Payclave verifies it onchain before the invoice is paid. No Payclave fee on x402 payments through December 31, 2026.
The agent asks for the checkout
It requests the checkout's x402Url like any other web resource.
Payclave names the price
A 402 Payment Required response sets the amount, USDC, the network and your wallet.
The agent signs and pays
USDC moves from the agent's wallet straight to yours. Payclave never holds it.
Verified, then notified
Payclave confirms the transfer onchain, marks the invoice paid and sends your webhook.
Payclave never holds customer payments or merchant settlement.
Payclave creates checkout instructions, records payment attempts, and verifies settlement. It never receives private keys or controls the merchant's settlement wallet. See how funds move.
Settlement reaches the merchant-controlled wallet configured for checkout. Payclave does not hold it or make a later payout.
Merchants choose one supported Polygon stablecoin for settlement. Customer payment routes may vary.
Payclave checks onchain settlement independently before it reports a paid invoice or sends the matching webhook.
A clear path from checkout creation to fulfillment.
Payclave links the customer's checkout, the merchant's settlement, the verified payment record, and the fulfillment event. Test checkout creation and webhook handling end to end before requesting live access.
1. Create a checkout
Create a payment link, invoice, or checkout session, then send the customer to a Payclave-hosted URL.
2. The customer chooses how to pay
The customer connects a supported wallet or requests one-time deposit instructions. Available routes depend on the source token and network.
3. Settlement reaches your wallet
The merchant receives USDC or USDT on Polygon in the configured settlement wallet. Payclave never holds the merchant's settlement.
4. Payclave verifies the payment
Onchain checks confirm the transaction, chain, token, recipient, amount, timing, confirmation state, and duplicate-use rules.
5. Your backend receives a signed event
Payclave signs each webhook, records delivery attempts, retries endpoint failures, and supports manual replay from the dashboard.
6. Your team reviews the record
Review invoices, payment records, platform fees, net settlement, API keys, settlement wallet settings, and webhook delivery status.
Technical answers for the decisions behind checkout.
Build the integration, verify payment events, and reconcile direct wallet settlement with guides maintained against Payclave's current API behavior.
How to accept stablecoin payments
Compare the four ways a business can accept USDC or USDT: a wallet address, a store plugin, a custodial processor, or non-custodial hosted checkout.
Create a checkout session
Create a Payclave stablecoin checkout session from your backend, use idempotency correctly, redirect to hosted checkout, and confirm payment safely.
Verify webhook signatures
Verify Payclave webhook signatures against the raw request body, reject stale deliveries, deduplicate event IDs, and fulfill each stablecoin order once.
Reconcile stablecoin payments
Reconcile Payclave invoices, payment records, platform fees, and direct wallet settlement without treating a transaction hash as the complete order record.
Onchain payment verification
How Payclave verifies stablecoin settlement: confirmation, recipient, token, amount, expiry, and duplicate transaction use before marking an invoice paid.
Checkout vs wallet transfers
Compare hosted stablecoin checkout with manual wallet instructions across customer experience, order matching, verification, settlement, and fulfillment.
Practical answers before you integrate.
Learn what Payclave controls, how payment confirmation works, and what changes when you move from test mode to live mode. Contact us if your question is not covered here.
One live payment fee. No monthly plan.
Payclave charges 0.7% of each completed live payment. The fee comes from the listed invoice amount, so the customer pays that amount and the merchant receives the remaining 99.3%. The standard checkout has no monthly or setup fee. Network costs are separate and may appear in checkout.
Test mode
$0
Build and validate a Payclave checkout integration without moving real funds.
Merchant profile setup
Separate test public and secret keys
Payclave-hosted test checkout
Invoice and payment records
Test webhook delivery
Pay as you go
0.7%per payment
For merchants ready to accept real stablecoin payments.
0.7% per completed live payment
No monthly fee or setup fee
USDC or USDT settlement on Polygon
Independent onchain verification
Signed webhooks with retries
Larger rollout
Talk to us
For businesses evaluating Payclave at higher volume. We will confirm eligibility, current product scope, and written commercial terms before launch.
Payment links and Payclave-hosted checkout
USDC or USDT settlement on Polygon
Independent onchain verification
Signed webhooks with retry records
Separate test and live modes
Build and test your first Payclave checkout.
Set up your merchant profile, configure a test settlement wallet for USDC or USDT on Polygon, generate test keys, and create a hosted checkout through the API, an SDK, or the API playground.