Accept USDT and USDC without Wallet Authorization
A merchant should not have to hand over wallet control to accept stablecoin payments. PolyPay monitors on-chain payments and keeps settlement directed to the merchant wallet.
What non-custodial means
Non-custodial payment acceptance means the merchant keeps control of the wallet and private keys. The payment system detects and verifies transactions instead of taking custody of funds.
This is useful for teams that want crypto settlement without adding wallet authorization risk to their checkout flow.
How payment verification works
The order defines expected amount, asset, network, destination wallet, and expiration. The monitoring service checks blockchain activity and updates order status when a matching payment is found.
Webhook notifications then let the merchant update the business order in their own system.
- No private key collection
- No wallet approval required for detection
- Funds settle to merchant-controlled addresses
- Webhook status is the source of truth for fulfillment
Operational checklist
Stablecoin payments still need careful operations. Merchants should configure supported networks clearly and avoid mixing addresses across unrelated flows.
- Show the exact network and asset to the payer
- Use webhook verification before fulfillment
- Keep order expiration visible
- Add support handling for wrong-chain or underpaid transfers
Next steps
If you are ready to integrate, continue with the PolyPay x402 integration guide or the JavaScript SDK documentation.