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Introduction To 3PAY

3PAY is a stablecoin payment gateway — accept USDT, manage user wallets, and send payouts via API.

Introduction To 3PAY

3PAY is a stablecoin payment gateway. Accept USDT payments, assign per-user wallets, and send payouts — all through a single API.

Supported Assets

AssetNetworkStandard
USDTEthereumERC20
USDTTronTRC20

Payment Models

ModelUse CaseGuide
Invoice PaymentsOne-time payment links for checkout flowsGuide
Per-User WalletsPersistent addresses for recurring depositsGuide
WithdrawalsSend funds to external wallets via APIGuide
PayoutsDashboard-only treasury transfers with 2FAGuide

v2 Highlights

  • Webhook HMAC-SHA256 signing
  • Automatic webhook retries with exponential backoff
  • Merchant-controlled withdrawal approvals
  • 6-tier rate limiting
  • SSRF protection, pagination caps, on-chain transaction validation

See What's New in v2 for the full changelog.

Quick Start

  1. Create Your First Account
  2. Make Your First Test Payment
  3. Go Live Checklist

Updated 1 day ago