Accepting Payments

3PAY gives you multiple ways to accept payments depending on how fast you want to launch and how much control you need.

• Use Hosted Checkout if you want the fastest setup with ready-made links, QR codes, and payment pages.
• Use API Integration if you need maximum flexibility to design your own workflows and handle payments directly.
• Use SDK Integration if you want a drop-in option for web or mobile apps without building from scratch.
• Check Handling Edge Cases to learn how to manage real-world scenarios like overpayments, underpayments, and timeouts.

Choose the method that fits your business — you can start simple and move to advanced integrations as you scale.

Terminology (this section):

Here, Merchant refers to the business accepting payments via 3PAY. Funds settle into the Merchant Wallet associated with that business. WAAS terms (e.g., Account Wallet, User Wallets) are not used on this page

Note: The Account Wallet in WAAS uses the same underlying wallet construct as Merchant wallet; it’s labeled “Account Wallet” in the Accepting Payments context for clarity.

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