Merchant Onboarding Guide
Everything you need to start accepting payments with Peer Pay. From setup to your first order.
Everything you need to start accepting payments with Peer Pay. From setup to your first order.
Pick the method that fits your setup. You can always switch or add more later.
The fastest way to start accepting payments. No coding required — just link your Telegram and start sending payment links.
/start in the DM/request 50 (for a $50 payment) directly in the bot DM.Depending on how you integrated, orders are created differently:
Send commands in your DM with @peer_pay_merchant_bot.
/request 50 (or any amount) to create a $50 payment linkUse the demo checkout page to test the full buyer flow without any code.
If you integrated via WooCommerce or the Peer Pay SDK, orders are created automatically when a buyer checks out on your site.
When creating an order, you decide who absorbs the transaction fees. There are three options:
| Mode | How It Works | Best For |
|---|---|---|
| Merchant pays | Buyer pays exactly the listed price. Fees come out of what you receive. | Clean buyer experience |
| Customer pays | You receive the full amount. Buyer pays the listed price plus fees on top. | Maximizing your take-home |
| Split | Fees are divided between you and the buyer in a ratio you configure. | Balanced approach |
Regardless of how the order is created, the flow is the same:
Before going live with real transactions:
The person completing the payment must have one of the following installed:
Your merchant funds land directly in your Peer wallet. Open the Peer mobile app or web wallet to see your USDC balance.
From there you can:
Common reasons: the 4-hour window expired, the buyer switched payment method mid-order (which cancels the order completely), the buyer didn't have the app/extension, or the buyer couldn't log in to their payment account. Just create a new order with /request.
Once an order is live (buyer clicked "Continue"), let it either complete or expire naturally. Don't try to modify or cancel it mid-flow. If you absolutely must cancel, do so before the buyer sends money through their payment app.
Contact us immediately. Our escrow system protects both sides — funds aren't lost. We'll investigate and resolve it.
Anyone can access the URL since the link itself is the order. However, only one person can complete that specific order. Be careful not to overshare the link — if someone else starts or interferes with the order, it can cause issues. When in doubt, cancel the order and create a new one.
You choose. In the merchant portal under Settings, pick one of three modes: merchant pays (fees come out of what you receive), customer pays (buyer pays the price plus fees on top), or split (fees divided between you and the buyer). You can change this at any time.
Telegram Bot is the fastest to set up — no coding, start accepting payments in under 5 minutes. Best for small businesses and individual merchants. WooCommerce Plugin is ideal if you already have a WordPress store — install the plugin, enter your credentials, and Peer Pay appears as a payment option at checkout. Custom SDK is for developers who want full control — embed the checkout into any website, app, or platform with programmatic order creation and webhooks.
Currently supported: Venmo (recommended, highest capacity), CashApp, Zelle, and Revolut. Note: Zelle only supports certain banks — your buyer will need to select their specific bank during checkout. Make sure they check that their bank is supported before they start the order.
Merchants are responsible for covering any chargebacks. If chargebacks become a recurring problem, we will discontinue services completely. Vet your buyers carefully and start with smaller amounts until you establish trust.
Your USDC is in your merchant wallet — check the merchant portal at merchant.pay.peer.xyz. It does NOT go to your Peer app wallet. They're two separate wallets.
You likely copied your public address instead of your private key. Go back to Settings → Wallet → Export and click the big blue "Copy Key" button, not the shorter address shown above it. Also make sure MetaMask is set to the Base network (Chain ID: 8453).
Base (Ethereum L2). When importing your private key into an external wallet, make sure you're on the Base network to see your USDC balance.
Export your private key from the merchant portal, then send your USDC to your Peer wallet. The Peer wallet is the only way to offramp for free — every other method charges fees. You also get easy access to every network, trading, and bridging — all in one place.
Yes. When you log in to a payment app during checkout, you're logging in directly through the provider (Venmo, CashApp, etc.) — not through Peer. It's the same as logging in on their official website. Peer never sees, stores, or has access to your login credentials.
No. Any data related to your payment account login is stored locally on your device only. Peer has no access to it. Nothing is sent to or stored on Peer's servers.
No. Your merchant wallet is fully self-custodial. You hold the private keys — Peer does not have them and cannot access your funds. This is why exporting and safely storing your private key is important: if you lose it, nobody (including Peer) can recover it for you.
Contact us directly — we can help reset your account, but you'll need to verify your identity first.
Contact us to discuss your use case. Generally it's one account per merchant, but we can accommodate special setups.
Your buyers need this to complete payments. You need it to offramp for free.