Accept payments
Per-invoice addresses on any supported chain, live confirmation, and every payment credited to your balance the moment it confirms on-chain.
Explore checkoutA 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.
Drop-in plugins for the stacks you already run — or one PHP file for anything custom.
Accept, collect, pay out and settle — across chains, from a single control plane.
Per-invoice addresses on any supported chain, live confirmation, and every payment credited to your balance the moment it confirms on-chain.
Explore checkoutTip, donation and membership pages in minutes — no code, no donor account. 5% commission on Free, 4% on Pro, 3% on Business.
Build a pageQueue hundreds of transfers in one batch, sign offline, and reconcile every output against one ledger.
Plan a batchHold a unified balance across assets and move funds instantly between accounts before anything touches a chain.
See the ledgerOne API call with an order ID and a fiat or crypto amount returns a hosted pay URL.
They pick a coin, scan the QR or open a wallet, and the checkout confirms live on finality.
Verify the HMAC signature, credit the order once, and watch the payment land on your balance.
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%.
| Currency | Network | Type | ||
|---|---|---|---|---|
| ₿BitcoinBTC | Bitcoin | 2 | $0.23 | Native coin |
| ΞEthereumETH | Ethereum | 12 | $0.02 | Native coin |
| ₮TTether USDUSDT | TRON | 19 | $2.55 | Stablecoin |
| ◈GramTON | Gram | 1 | $0.02 | Native coin |
| ◎SolanaSOL | Solana | 1 | <$0.01 | Native coin |
| $EUSD CoinUSDC | Ethereum | 12 | $0.06 | Stablecoin |
| TTRONTRX | TRON | 19 | $0.41 | Native coin |
| ŁLitecoinLTC | Litecoin | 3 | <$0.01 | Native coin |
| ⚛CosmosATOM | Cosmos | 1 | <$0.01 | Native coin |
| ▲AvalancheAVAX | Avalanche | 8 | <$0.01 | Native coin |
| ɃBitcoin CashBCH | Bitcoin Cash | 6 | <$0.01 | Native coin |
| BBNBBNB | BNB | 15 | <$0.01 | Native coin |
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.
A single dependency-free PHP SDK: create invoices, redirect to the hosted checkout, and verify signed webhooks. REST is available for any language.
<?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']);
}// 1 — create an invoice
const Payora = require('./payora');
const payora = new Payora('https://api.payora.money', KEY, SECRET);
const inv = await payora.createInvoice({ order_id: '42', mode: 'fiat', amount: '9.99' });
res.redirect(inv.pay_url);
// 2 — verify the webhook over the RAW body
const event = payora.verifyWebhook(req.body, req.headers);
if (event && event.status === 'paid') creditOrder(event.order_id);# 1 — create an invoice
from payora import Payora
payora = Payora('https://api.payora.money', KEY, SECRET)
inv = payora.create_invoice({'order_id': '42', 'mode': 'fiat', 'amount': '9.99'})
return redirect(inv['pay_url'])
# 2 — verify the webhook before crediting
event = payora.verify_webhook(request.get_data(), request.headers)
if event and event['status'] == 'paid':
credit_order(event['order_id'])# signature = HMAC-SHA256(api_secret, timestamp + "." + raw_body)
BODY='{"order_id":"42","mode":"fiat","amount":"9.99"}'
TS=$(date +%s)
SIG=$(printf '%s.%s' "$TS" "$BODY" | openssl dgst -sha256 -hmac "$SECRET" | cut -d' ' -f2)
curl -X POST https://api.payora.money/v1/invoice \
-H "X-Payora-Key: $KEY" -H "X-Payora-Timestamp: $TS" \
-H "X-Payora-Signature: $SIG" -H 'Content-Type: application/json' \
-d "$BODY"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
Straight answers, including the uncomfortable ones: custody, fees and what happens when something goes wrong.
Help centreBy 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.
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.
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.
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.
Create an account, add your site, paste one API call or install a plugin. Accepting stays 0% on every plan.