This section explains the core concepts behind how 3PAY handles deposits and withdrawals, and how merchants should think about balance management.
Payments (Deposits)
- Payments are currently initiated through either Hosted Checkout Page or payment intent.
- Customers must select a supported currency type (e.g.,
USDT-TRC20,USDT-ERC20) at checkout. - Once the payment is confirmed on-chain, the funds are credited directly to the merchant’s wallet.
Merchant Wallet
- Every merchant account has its own segregated, non-custodial wallet.
- Balances are never pooled across merchants, ensuring that one party’s exposure cannot affect another.
- Each wallet supports multiple stablecoin assets (e.g., USDT, USDC) and associated networks (e.g., TRC20, ERC20).
- Wallets can generate deposit addresses for incoming payments and can be queried at any time for real-time balances..
SDKs (Under Development)
- SDKs are offered as a separate integration layer for platforms that want to embed 3PAY functionality directly into their applications.