You need 'payments', not 'transfers'.
Receiving money through a regular wallet app? Your server has no idea it happened.
PAYchat notifies you via webhook the moment a payment completes. Order matching, status tracking, retries β all handled automatically.
PAYchat vs Existing Solutions
Basic Transfer APIs | PAYchat | |
Payment verification |  | |
Order Payment matching | | |
Payment status tracking | | |
API access | Limited | Full |
Automation (Webhooks) | | |
Dispute & CS handling | | |
Gas fees | Separate | Included |
Fees | 0.5β2% | Free for 1 year β 1% |
Existing solutions are 'transfers'. PAYchat is a 'payment system'.
Why PAYchat?
These comparisons miss the point
β’
"What's the fee?"
β’
"What's the TPS?"
β’
"How cheap is gas?"
The questions that actually matter
β’
Can users pay without installing a wallet?
β’
Is payment β settlement β logging β retry all automatic?
β’
Can I do everything with a single API?
β’
Will I never have to deal with payment support tickets?
PAYchat answers Yes to all of them.
Core Features
In-App Payments
User pays with USDT β PAYchat handles it β You get a webhook notification
Instant Payouts
One API call deposits USDT directly into the user's PAYchat wallet
Self-Service Setup
Register and go live in under 1 minute
Pricing
Condition | Fee |
First year after signup | Free (0%) |
After 1 year | 1% |
Monthly volume over 1,000 USDT | 1% |
Settlement is instant. No waiting for payout cycles.
Get Started in 5 Minutes
Step 1. Register as a Partner
Select a plan on the Partner page in the mini app β API Key & Secret Key issued instantly
Step 2. Set Up Webhooks
Partner page > Webhooks tab > Enter your endpoint URL
Step 3. Start Using the API
Create payment links, request withdrawals, and more
Official SDK
bash
npm install paychat-sdk
javascript
import PAYchatClient from 'paychat-sdk';
const client = new PAYchatClient('pk_your_api_key');
// Create payment
const payment = await client.createPayment({
amount: 10,
description: 'Limited Edition T-Shirt'
});
// Send withdrawal
await client.createWithdrawal({
telegramId: '123456789',
amount: 5.00,
memo: 'Reward payout'
});
API Preview
Create a Payment Link
json
POST /partner/payments
{
"amount": 10.00,
"currency": "USDT",
"description": "Product Name",
"metadata": { "order_id": "order_001" }
}
Request a Withdrawal
json
POST /partner/withdrawals
{
"telegram_id": "123456789",
"amount": 5.00,
"reason": "Reward payout"
}
Webhook Events
Event | Description |
payment.completed | Payment successful |
payment.expired | No payment within 24 hours |
withdraw.completed | Withdrawal successful |
withdraw.failed | Withdrawal failed |
Secured with HMAC-SHA256 signatures. Up to 5 automatic retries on failure.
Supported Networks
β’
TRON (TRC-20 USDT)
β’
TON
Start Now
Free to start Β· 5-minute setup Β· No blockchain knowledge required
Zero fees for 1 year Β· Instant settlement Β· No payment support headaches
Questions β https://t.me/paychat_group
Start β https://t.me/paychat_aibot?start=partner