Frequently asked

You create a checkout from the dashboard, a payment link, or your server. The buyer opens it, picks a token and network, and pays from their own wallet. You're notified as soon as the payment confirms. On your own site, the SDK opens the same checkout as a popup, a redirect, or embedded in your page.

Yes. In the InfraIO Pay dashboard, create a payment link with a fixed amount and the tokens you accept. Share it anywhere: invoices, support chats, social. The buyer opens the hosted checkout, and you get a signed webhook when the payment settles. Reusable links and creating links through the API are coming soon.

Yes, plus embedded checkout. The InfraIO Pay SDK has three modes: popup (the default), redirect (full page), and embed (inside your own page). All three open the same checkout and send the same events.

When a payment has enough confirmations on its network, InfraIO Pay sends a signed request to your webhook URL with the payment and order details. Your server checks the signature, fulfils the order and replies 200. Failed deliveries are retried automatically.

Yes. The SDK works on any site: a custom storefront, your own backend, a marketplace or a popular e-commerce platform. Add the SDK to your site and create checkouts from your server with one API call. No replatforming. If you'd rather not integrate at all, send buyers a payment link.

No. There is no InfraIO Pay balance and no payout queue, and your treasury wallet is locked to your account. On EVM networks, each order has its own deposit address, and the money is forwarded automatically to your treasury wallet, minus fees. On TRON, Solana and TON, the buyer pays your treasury wallet directly, and the platform fee (when charged on-chain) is split off in the same payment. Either way, your money is never pooled in an account you have to withdraw from.

On EVM networks, once the payment has enough confirmations, InfraIO Pay forwards it from the order's deposit address to your treasury wallet automatically. You don't sign anything or wait in a queue. On TRON, Solana and TON, the buyer pays your wallet directly, so the money is there as soon as the payment confirms. Timing depends on the network: usually under a minute on Base, Polygon, Arbitrum, Optimism and BNB Chain, and a few minutes on Ethereum. The buyer pays the network fee for their own payment, and their wallet shows it before they confirm. Moving funds to your wallet is included in the platform fee, so you receive exactly the order total minus the platform fee.

Yes, on EVM networks. USDC and USDT are ready to use (both on Ethereum, Polygon, BNB Chain, Arbitrum and Optimism; USDC only on Base), plus USDT on TRON and TON and USDC and USDT on Solana. On any EVM network you can add your own ERC-20 token from the dashboard: enter the contract address and a name, and it appears in your checkout. Useful for community tokens or your own branded stablecoin. Custom tokens are EVM only. Need an EVM network we don't list yet? Tell us through the contact form and we'll add it, usually within one business day for a public network.

Yes. The InfraIO Pay merchant app for iOS and Android lets you sign in with a passkey or Face ID, follow orders and transactions, create payment links, issue refunds and share your referral card. It's coming soon to the App Store and Google Play. For developers, native iOS, Android and React Native SDKs are in development. The web SDK already works inside a WebView, and the hosted checkout works in every mobile browser.

InfraIO Pay is free to set up and free to keep. No setup fee, no monthly fee, no card-network surcharges, and nothing to pay on failed or cancelled payments. You pay a platform fee only when a buyer's payment goes through, and the rate drops automatically with your settled volume over the last 30 days: 0.5% under $50,000, 0.4% from $50,000 to $250,000, and 0.3% from $250,000. The fee is locked into each payment when it is created. Discounts stack on top: IFO staking (10%, 20% or 30% off at 1,000, 5,000 or 20,000 IFO), paying fees in IFO (20% off) and prepaid credit, never below 0.20%. Above that, contact us for a custom rate.

Every merchant gets a referral code automatically at signup, with no application. Share your link (infraio.xyz/r/YOURCODE): when a referred merchant starts processing live payments you earn 20% of the platform fee InfraIO Pay collects from them, for life. Tiers add a boost as your active referrals grow: Silver (10) +1 percentage point, Gold (50) +3, Diamond (200) a custom rate. Commissions become available after a 14-day hold; withdraw with no minimum as instant fee credit or in USDC or USDT. The referred merchant gets a $50 fee credit after their first $1,000 of settled volume, and their own fee is unchanged.

The InfraIO Pay merchant app (iOS and Android) lets you run InfraIO Pay from your phone: sign in with a passkey or Face ID, follow orders and transactions, create payment links, issue refunds and share your referral card. It's coming soon to the App Store and Google Play.

InfraIO Wallet is a non-custodial smart-account wallet secured by a passkey. No seed phrase needed to get started: sign in with a passkey, and add an optional 12-word recovery phrase as a backup. It uses the same address on every EVM network and supports sending and receiving, contacts, NFTs and WalletConnect for dApps. It starts on Base.

With Direct to wallet, the buyer's payment goes straight to your treasury wallet. With a per-order deposit address, each payment gets its own address on EVM and is forwarded automatically to your treasury wallet once it confirms. Both are non-custodial, and InfraIO Pay never pools buyer money.

Yes. Test mode uses a test stablecoin on test networks, so you can try checkout, webhooks and refunds end to end without real money, then switch to live.

Recurring invoices and subscriptions, a WooCommerce plugin, a WHMCS module, and Pay with card (the buyer pays by card inside checkout, you still receive stablecoins). Shopify works today.

IFO is the InfraIO Pay token, 10,000,000 in total. Staking it lowers your platform fee, you can pay fees with it, and merchant and referral rewards are paid in it. The IFO token page has the allocation, vesting and sale rounds.

Create an account, connect your wallet, recreate your payment links or checkout calls, and point your webhooks at InfraIO Pay. Coinbase Commerce ended self-managed checkout for merchants outside the US and Singapore on 31 March 2026. The migration guide walks through each step.