# InfraIO Pay — full reference

> Free non-custodial stablecoin checkout. No setup fees or monthly minimums — pay only when buyers settle on-chain. Integrate web SDK, API, or payment links.

Canonical site: https://infraio.xyz · Developer docs: https://docs.infraio.xyz · InfraIO Pay (also written InfraIO) is operated by Lartech. This file summarizes the product for AI search engines.

## What it is

InfraIO Pay is a non-custodial stablecoin payment gateway for merchants. Accept USDC, USDT, and custom ERC-20 tokens across 6+ EVM networks via no-code payment links, a web SDK, or a server-side API. There is no setup fee and no monthly minimum — you pay a take rate only when a buyer settles on-chain, dropping to 0.3% per transaction at scale.

## Why merchants use it

- **Free to start** — No setup fee, no monthly minimum, no card-network surcharges, no charge for failed or cancelled payments. The take rate kicks in only when a buyer actually pays you — and drops with volume.
- **Your wallet, your funds** — Funds settle on-chain to the EVM address you connected — each order is paid into its own deposit address, then swept to you once it confirms. No PSP house account, no withdrawal queue.
- **Your tokens & networks** — Pick which stablecoins you accept and on which chains. Add custom ERC-20 tokens for your audience.
- **Web + Mobile SDK** — Drop the web SDK on any site today. Native iOS, Android, and React Native SDKs landing soon.

## Crypto payments without the operational mess

Production-grade primitives — orders, sessions, webhooks — wired into stablecoin rails. No wallet rituals. No reconciliation spreadsheets.

- Setup fees + monthly minimums → Free to integrate. Zero charge until a buyer actually settles.
- High card fees → Stablecoin-friendly checkout
- Fees stay flat as you scale → Down to 0.3% per transaction — fee drops automatically with your monthly volume
- Chargebacks → On-chain finality after confirmation
- Wallet & token fragmentation → Hosted token + network selection
- Manual reconciliation → Orders, sessions, transactions, webhooks
- Heavy integration → QuickCheckout API + SDK + Payment Links

## Three ways to integrate

- **Payment Links** — One click to create. One click to share. Buyer opens the URL and pays from any wallet — no code, no SDK, no checkout to build.
- **SDK Checkout** — Drop the InfraIO SDK on your site. Open checkout as a popup, redirect, or embedded iframe.
- **API-first Checkout** — Server-side QuickCheckout. Create order + session in one call, hand the URL to your frontend.

## How to start accepting crypto payments

1. **Create your account** — Sign up at infraio.xyz. No card on file — verify your email and you're in.
2. **Connect a settlement wallet** — Paste your EVM address. Funds settle here on every successful payment. You can swap wallets later from the dashboard (a short cooldown between changes protects in-flight payments).
3. **Create your first payment link** — Set amount + token + accepted networks. Share the URL on invoices, support tickets, social.
4. **Get paid** — Buyer pays in their wallet. You receive a signed webhook the moment the chain confirms — then the funds are swept on-chain to your settlement wallet.

Need a dev integration instead? Drop the SDK on any site or app — same dashboard, same payouts.

## Run crypto payments like an operations team

A dashboard built like an ops console — not a wallet. The four surfaces a merchant lives in every day.

- **Orders & sessions** — Every checkout traces back to an order, a payment intent, and an immutable session. Stable IDs your fulfillment pipeline can key on.
- **Transactions** — On-chain settlement, confirmations, network fees, and a clear paid / awaiting / underpaid state per intent.
- **Refunds** — Partial or full — issue directly to the original wallet, or send the buyer a one-time link so they fill in their own destination. Audited and exportable.
- **Webhooks** — Per-endpoint test ping, rotate-with-grace secrets, retry queue with 6 delay tiers, dead-letter outbox + self-serve replay.

More dashboard surfaces (Customers, API keys, Test/Live envs, Payment method config) ship in the same dashboard — see the docs for the full operator surface.

## Built like payment infrastructure, not a crypto widget

The boring half of the product is the one we obsess over. Four guarantees that matter when real money lands.

- **HMAC-signed B2B API** — Every server request is signed + timestamped (X-Client-ID, X-Timestamp, X-Signature). Constant-time verification on every endpoint, ±5 min replay window.
- **Session-scoped checkout URLs** — Each checkout URL is bound to a single session_key. Tampering invalidates the request; expired sessions can't be reused — the cleanup worker swaps them to EXPIRED on a lazy + scheduled pass.
- **Idempotency keys** — Safe to retry. Duplicate orders collapse to a single payment intent — your retry-on-network-error path never double-charges or double-mints.
- **Deterministic deposit addresses** — Each checkout gets its own EVM deposit address derived ahead of time, so the buyer pays into a slot bound to that exact order. Funds are then swept on-chain to the merchant's settlement wallet — InfraIO never pools buyer money in a hot wallet.

## Your tokens. Your networks. Your call.

Choose which stablecoins you accept on which chains. List a custom ERC-20 of your own. The buyer only ever sees the combinations you allow — and if your chain isn't on the matrix, we can wire it up.

Networks: Ethereum, Polygon, Base, BNB Chain, Arbitrum, Optimism, ZKsync, Mantle, Custom Chain.

Tokens: USDC (Stable · USD); USDT (Stable · USD); Custom token (Configurable).

Six chains ship with USDC/USDT defaults out of the box. On the others — and on any custom EVM chain you bring — list your own ERC-20 contract in the dashboard, then the same SDK flow handles it.

## Free until a buyer pays.

Take rate drops automatically with your monthly volume. Affiliate rebates stack on top.

Headline rate: 0.3% per settled transaction · drops automatically with volume.

Always free: No setup fee; No monthly minimum; No charge on failed payments.

Included with every account:
- Settles to a wallet you control — no PSP house account, no withdrawal queue
- Unlimited payment links
- Hosted checkout + SDK (popup, redirect, embed)
- USDC, USDT + any verified ERC-20 you add from the dashboard
- Multi-network: Ethereum, Polygon, Base, BNB Chain, Arbitrum, Optimism — any other EVM chain on request
- Refunds — issue directly or send a customer link

Enterprise (Doing > $250k / month?): Custom rate cards + dedicated support. Past the public floor we negotiate a bespoke rate card alongside settlement SLAs, branded checkout, and a private Slack channel with our team. Send your monthly volume — we reply with a rate card in one business day.

## Integrate with a few lines

Public keys open checkout. Secret keys create sessions. Webhooks close the fulfillment loop after on-chain confirmation.

- **Public keys** ship safely in the browser. They authorize the SDK to open a hosted checkout you’ve already issued.
- **Secret keys** stay on the server. They sign QuickCheckout calls, refunds, and read access.
- **Webhooks** deliver signed events after settlement. Idempotency keys make re-delivery safe.

## Affiliate / referral program

Every InfraIO merchant gets a personal referral code. Share it on Twitter, with your dev community, or your e-commerce clients — when they sign up and start processing, you earn a cut of every payment they take. Paid out in any stablecoin you accept — with no minimum on day one.

- **Apply for the program** — One form. We approve within a business day and mint your referral code.
- **Share your code** — Embed it in onboarding flows, blog posts, community pitches. Referred merchants attach automatically.
- **Earn on every settled payment** — You earn the base commission plus your tier boost on each referred merchant's settled volume. Climb tiers and the boost grows.

Tiers reward the merchants who scale you — Refer more, climb higher. Tier boosts stack on top of the base commission — and unlock perks like a private Slack channel and quarterly cash bonuses.

- **Starter** — unlocks at 0 referrals; Base commission; USDC payouts, dashboard analytics
- **Silver** — unlocks at 10 referrals; Base + 1% boost; Priority support, co-marketing assets
- **Gold** — unlocks at 50 referrals; Base + 3% boost; Slack channel, quarterly bonus pool
- **Diamond** — unlocks at 200 referrals; Custom rate card; Dedicated AM, branded landing page

## Frequently asked questions

### 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.

## Links

- [Home](https://infraio.xyz)
- [Developer documentation](https://docs.infraio.xyz)
- [Start free — merchant dashboard](https://merchant.infraio.xyz)
- [FAQ](https://infraio.xyz/faq)
- [Sitemap](https://infraio.xyz/sitemap.xml)
- Sales / partnerships: contact@lartech.xyz

---
Generated from the same source copy as the website. Canonical source: https://infraio.xyz