Merchant setup

1. Set up your account

Merchant dashboard

merchant.pay.peer.xyz

Sign up, settings, orders.

Peer app

App Store, Google Play

Your wallet on your phone.

Developer documentation

docs.pay.peer.xyz

Adding Peer Pay to your checkout.

Product overview

pay.peer.xyz

What Peer Pay is.

Five steps

1. Sign up with your email

   Every login sends a one time code there.

2. Add your business name, logo and industry

   The name and logo appear on your customers' checkout.

3. Turn on your payment platforms

   Settings, Payments. Only enabled platforms appear at checkout.

4. Set who pays the fee

   Same screen. Fee Payer is merchant pays or buyer pays. See fee models.

5. Run a test order

   Every account starts on the free Basic plan. Switch on Sandbox Mode in the sidebar, walk the checkout yourself, and confirm it lands under Orders.

2. How your account works

The payment flow

Every order runs the same way, whichever integration created it.

1. You create an order with an amount and a checkout link.
2. Your customer opens the link and picks one of your platforms.
3. They pay from their own app. Peer is never in the middle of that transfer.
4. An enclave verifies the payment privately.
5. USDC settles to your wallet on Base.

They need no Peer account and no crypto wallet.

Two verification flows

Step four runs one of two ways, and it sets how much work your customer does.

Buyer verified is the default. Seller Automated Release means fewer steps, fewer abandoned checkouts, and it is what lets Scan to Pay settle at the counter. Request it under Settings, Checkout once you have read the trade offs in verification routes.

Creating orders

Four ways in. Pick one.

npm install @zkp2p/pay-sdk

import { createCheckout } from '@zkp2p/pay-sdk';

const { checkoutUrl } = await createCheckout(
  {
    requestedUsdcAmount: '50.00',
    successUrl: 'https://yoursite.com/success',
    notes: { merchantOrderId: 'order_123' },
  },
  {
    apiBaseUrl: 'https://api.pay.peer.xyz',
    checkoutBaseUrl: 'https://pay.peer.xyz',
    apiKey: process.env.ZKPAY_API_KEY,
  },
);

Payment platforms

Turn these on under Settings, Payments: Venmo, Cash App, PayPal, Zelle and Chime in the US, Revolut, Wise, Monzo and N26 across Europe and the UK, plus an optional crypto wallet spanning eleven chains including Base, Ethereum, Solana, Bitcoin and Tron. Venmo is the highest volume rail, Zelle covers selected banks that customers pick at checkout, and anything with no liquidity for a quote shows as unavailable.

Rates are variable

Peer Pay is a marketplace. Each order is filled by whoever is offering fiat liquidity for that platform, currency and size at that moment, so there is no fixed price list.

• When you pay the fee, cap it under Max Fee Configuration: a tighter cap costs less and fills more slowly. See fee models.
• When your customer pays, they see one final price and the cap does not apply.
• Dynamic orders rescues an order no liquidity covers, offering the customer nearby amounts and firing an order resized webhook.

3. Getting paid

Where the money lands

Verified payments settle as USDC on Base, straight to your merchant wallet. Peer never holds your funds and cannot move them. Cash out to fiat in the app, or send, swap and bridge it yourself. To settle elsewhere, see payout routing.

Timing

Each payment attempt runs against a countdown. If it runs out the order is not cancelled: the customer can request more time or start a fresh payment, and you can cancel from Orders.

Statuses

Orders and their payment attempts carry separate statuses. An order outlives a failed attempt, so read both.

When something looks stuck

• Refresh the order to pull latest state.
• Ask the customer to open the support chat on their checkout. Most stuck payments are an unfinished verification step.
• If they paid and nothing settled, send the team the order ID before replacing it.

Chargebacks

Chargebacks, reversals and refunds on your transactions are yours. Keep order IDs, timestamps, customer messages and fulfillment records. Elevated dispute rates can lead to limits or termination, so raise an issue early.