InfraIO PayFrequently asked
What is a crypto checkout session?
A checkout session is a server-issued object that represents one buyer’s intent to pay a specific amount in a specific token. The session has its own session_key and a hosted checkout_url. InfraIO Pay creates the session via the QuickCheckout API, then the SDK opens the URL as a popup, redirect, or embed.
Can I create crypto payment links?
Yes. From the InfraIO dashboard you can create a single-use payment link with a fixed amount and accepted tokens. Share the URL anywhere — invoices, support tickets, social. Each click opens the hosted checkout page; on settlement, you receive a signed webhook. Reusable links and programmatic creation via the B2B API are on the roadmap.
Does InfraIO Pay support popup and redirect checkout?
Both — plus inline embed. The InfraIO SDK ships with three modes: popup (default, iframe modal), redirect (full-page), and embed (iframe in your own container). All three use the same session_key and webhook event flow.
How do webhooks work for crypto payments?
When an on-chain payment reaches the configured number of confirmations, InfraIO sends a signed POST to your webhook endpoint with the payment intent and session details. You verify the HMAC signature, fulfill the order, and respond 200. Failed deliveries retry with exponential backoff via an outbox queue.
Can I use InfraIO Pay with my existing site?
Yes. The InfraIO SDK works on any site — headless storefront, custom backend, marketplace, or a popular e-commerce platform. Drop the SDK on your frontend and call QuickCheckout from your backend to mint sessions. No replatforming required. If you don't want to integrate at all, send buyers a payment link instead.
Does InfraIO Pay custody my funds?
Not the way a PSP does — there's no house account and no withdrawal queue, and your payout address is locked to your account. Mechanically, each order is paid into its own on-chain deposit address derived ahead of time, then swept on-chain to the EVM wallet you connected at signup, net of fees. Funds pass through that per-order deposit contract before they reach you, but they're always destined for your wallet — never pooled in an InfraIO balance you'd have to request a payout from.
When do settled funds reach my wallet, and who pays network gas?
Once the buyer's on-chain payment reaches the configured number of confirmations, InfraIO automatically sweeps the funds from the per-order deposit address to the EVM wallet you connected at signup. You don't trigger a payout, sign a withdrawal, or wait in a queue — the sweep is part of the settlement flow. End-to-end timing is bounded by the underlying network: typically sub-minute on L2s like Base, Polygon, Arbitrum, Optimism, BNB Chain, and a few minutes on Ethereum mainnet. The buyer pays gas for their own payment transaction at checkout — their wallet quotes it before they sign. Sweep gas from the deposit address to your wallet is included in the take rate, never billed as a separate line item, so the amount you receive is exactly the order total minus the take rate.
Can I list my own custom ERC-20 token?
Yes. The platform ships with USDC and USDT out of the box (USDC + USDT on Ethereum, Polygon, BNB Chain, Arbitrum, Optimism; USDC-only on Base). You can add any verified ERC-20 on those networks from the dashboard: set the contract address, name the token, and it shows up in your checkout's token picker — useful for community tokens, branded stablecoins, or treasury assets your audience already holds. Need a chain we don't list yet? Anything EVM-compatible works — drop the chain in the contact form and we'll wire it up (typical turnaround: 1 business day for a public chain).
Is there a mobile SDK?
Native iOS, Android, and React Native SDKs are in development. The web SDK works inside a WebView today, and our hosted checkout URL renders fine on every mobile browser — so payment links and embedded checkout are mobile-ready right now. Drop your email in the Developers section to get an invite to the native mobile beta.
How does volume pricing work?
InfraIO Pay is free to integrate and free to keep around. No setup fee, no monthly minimum, no card-network surcharges, no charge on failed or cancelled payments. You only pay a take rate when a buyer's payment actually settles on-chain — and that rate drops automatically with your monthly volume, all the way down to 0.3% per settled transaction at $350K+. The drop is a 0.1% step every time your rolling 30-day volume crosses a $50K milestone, applied automatically with no contract renegotiation and no manual application. Merchants doing more than $250K/month qualify for the enterprise track on top: custom rate cards (typically below the 0.3% public floor), settlement SLAs, branded checkout, and a private Slack channel with our team.
How does the affiliate / referral program work?
Every InfraIO merchant can apply for an affiliate code. Share it with other merchants — when they sign up and start processing payments, you earn a percentage of every settled payment they take, paid out in USDC. Tiers (Silver, Gold, Diamond) unlock as you bring more merchants on, stacking a boost percentage on top of the base commission. Commissions keep accruing for as long as your referred merchants stay active.