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50 coins · 22 networks · 0% to accept

Crypto payments, beautifully settled.

A hosted checkout, invoices, donation pages and mass payouts on one balance — for every site you run. Accepting is free on every plan; you pay only when money leaves.

50payment currencies
22networks
0%to accept, forever
5checkout languages

Drop-in plugins for the stacks you already run — or one PHP file for anything custom.

One account

Every way money moves, one balance.

Accept, collect, pay out and settle — across chains, from a single control plane.

Accept payments

Per-invoice addresses on any supported chain, live confirmation, and every payment credited to your balance the moment it confirms on-chain.

0%gateway fee on accept
Explore checkout

Donations & tips

Tip, donation and membership pages in minutes — no code, no donor account. 5% commission on Free, 4% on Pro, 3% on Business.

Build a page

Mass payouts

Queue hundreds of transfers in one batch, sign offline, and reconcile every output against one ledger.

Plan a batch

Internal balance

Hold a unified balance across assets and move funds instantly between accounts before anything touches a chain.

See the ledger
50payment currencies, one integration
22blockchain networks watched live
22ready CMS & e-commerce plugins
0%to accept, on every plan
5languages for checkout and site
how it works

From invoice to settlement in three steps

  1. 01

    Create an invoice

    One API call with an order ID and a fiat or crypto amount returns a hosted pay URL.

  2. 02

    Customer pays

    They pick a coin, scan the QR or open a wallet, and the checkout confirms live on finality.

  3. 03

    You get a signed webhook

    Verify the HMAC signature, credit the order once, and watch the payment land on your balance.

Live data

Every network, measured — not guessed.

What sending each coin costs right now, straight from the figures Payora charges withdrawals and payouts by. The payer covers the fee on incoming payments; accepting stays 0%.

network fees measured 5 min ago
CurrencyNetworkType
BitcoinBTCBitcoin2$0.23Native coin
ΞEthereumETHEthereum12$0.02Native coin
TTether USDUSDTTRON19$2.55Stablecoin
GramTONGram1$0.02Native coin
SolanaSOLSolana1<$0.01Native coin
$EUSD CoinUSDCEthereum12$0.06Stablecoin
TTRONTRXTRON19$0.41Native coin
ŁLitecoinLTCLitecoin3<$0.01Native coin
CosmosATOMCosmos1<$0.01Native coin
AvalancheAVAXAvalanche8<$0.01Native coin
ɃBitcoin CashBCHBitcoin Cash6<$0.01Native coin
BBNBBNBBNB15<$0.01Native coin
Custody, stated plainly

Two ways to settle. No fine print.

By default Payora receives to its own addresses and credits your balance, and you withdraw from there. Vetted merchants can ask for the other mode: receive addresses derived from your own xPub, so payments settle straight to wallets Payora never controls and your seed never leaves you. Written request, one account at a time.

All plans

Payora balance

  • Payments land on addresses Payora derives from its own keys and are credited to your balance.
  • Withdraw to your wallet for 1.5% on Free, 0.75% on Pro or 0.5% on Business, plus that coin's network fee.
  • $50 minimum withdrawal, processed within up to 10 business days.
  • Balance, internal transfers, mass payouts, refunds and donation pages all work here.
Business

Direct settlement — on request

  • Receive addresses are derived from your own public key; payments settle straight to wallets Payora never controls.
  • No balance in between, so no withdrawal and no withdrawal fee on those payments.
  • Enabled by the operator for vetted merchants, one account at a time.
developers

Ship it in an afternoon.

A single dependency-free PHP SDK: create invoices, redirect to the hosted checkout, and verify signed webhooks. REST is available for any language.

  • HMAC-signed webhooks, constant-time verify
  • Idempotent crediting on an append-only ledger
  • Idempotency-Key on invoices and payouts — a retry never doubles
  • SDKs for PHP, Node.js and Python, plus an OpenAPI spec
checkout.php
<?php
// 1 — create an invoice and send the buyer to the hosted checkout
$payora = new Payora('https://api.payora.money', $apiKey, $apiSecret);
$inv = $payora->createInvoice([
  'order_id' => '42',
  'mode'     => 'fiat',
  'amount'   => '9.99',
]);
header('Location: ' . $inv['pay_url']);

// 2 — verify the signed webhook before crediting
$event = $payora->verifyWebhook(file_get_contents('php://input'), getallheaders());
if ($event && $event['status'] === 'paid') {
  creditOrder($event['order_id']);
}
Pricing

Free to accept. Fair when money leaves.

No setup fee, no monthly fee, and no cut of the payments you accept. A platform fee applies only when money leaves — one rate for payouts, internal transfers and withdrawals, lower on the paid plans — and anything that really moves on-chain also costs that coin's network fee. Minimum withdrawal: the equivalent of $50.

Estimate = subscription + the move fee on that volume. Network fees on anything sent on-chain come on top and depend on the coin. Full calculator

Free

$0/mo
0% to accept1.5% on payouts, transfers & withdrawals5% on donation & pay-link receipts
Your month
  • 0% to accept, forever
  • Hosted checkout, invoices & payment links
  • Donations & subscriptions
  • REST API + signed webhooks
  • Manual mass payouts (up to 100/batch)
Start free

Pro

Most popular
$149/mo
0% to accept0.75% on payouts, transfers & withdrawals4% on donation & pay-link receipts
Your month
  • Everything in Free
  • Three stores
  • Mass Payout API (automate payouts)
  • Up to 500 recipients per batch
  • Priority support
Upgrade to Pro

Business

$299/mo
0% to accept0.5% on payouts, transfers & withdrawals3% on donation & pay-link receipts
Your month
  • Everything in Pro
  • Direct settlement: payments land on your own addresses, and Payora never holds them
  • Five stores, and more at $69 per store per month
  • Unlimited payout volume
  • Custom rates & minimums
Upgrade to Business
FAQ

Frequently asked questions

Straight answers, including the uncomfortable ones: custody, fees and what happens when something goes wrong.

Help centre

Is Payora custodial?

By default yes, and here is exactly how. Payments arrive at addresses Payora derives from its own keys, and are credited to your balance. You withdraw to your own wallet: 1.5% on Free (0.75% Pro, 0.5% Business) plus the network fee of that coin, a $50 minimum, processed within up to 10 business days. Vetted merchants can instead ask for addresses derived from their own xPub — then payments settle straight to wallets Payora never controls.

What does it cost?

Accepting is 0% on every plan — you only pay the on-chain network fee. Platform fees apply only when money leaves: 1.5% / 0.75% / 0.5% by plan on payouts, transfers and withdrawals alike, and a payout or withdrawal also carries the network fee of the coin being sent ($50 minimum withdrawal). Payment links, donation and tip pages carry 5% / 4% / 3% on what supporters pay.

Which coins can I accept?

50 payment currencies across 22 networks — BTC, ETH & EVM (BNB, Polygon, Arbitrum, Base, Optimism, Avalanche), TON, Tron, Solana, LTC, DOGE, BCH, XRP, XLM and more — plus USDT, USDC, DAI, EURC & PYUSD on every network that carries them.

How do I integrate?

Drop one PHP file into any site — no dependencies — or install one of 22 ready plugins for WooCommerce, PrestaShop, Magento 2, OpenCart, WHMCS, Joomla, MODX, Moodle, Easy Digital Downloads and more.

Your checkout could be live tonight.

Create an account, add your site, paste one API call or install a plugin. Accepting stays 0% on every plan.

What this page answers