Merchant Power User Guide

Branding & Appearance

Make the checkout experience your own. All settings are in the merchant portal under Settings:

Payment Configuration

Control which payment methods your buyers can use and your cost structure:

• Payment platforms — Enable/disable specific payment methods. Only show what your customers actually use.

Venmo

CashApp

Zelle

Revolut

PayPal

Wise

Chime

Luxon Pay

Monzo

• Max spread — Set the maximum exchange rate spread you're willing to accept. This is the markup on the exchange rate that goes to liquidity providers. Lower spread = better rate for you, but may result in slower order fulfillment. Higher spread = faster fills, higher cost.
• Default currency — Choose the base currency for your orders.

How Tranche Tiers Work

Peer Pay supports tiered spread caps based on order size. This means you can set different maximum spreads for different transaction amounts — so larger orders get better rates automatically.

The idea is simple: you decide which order sizes matter most to your business and set your willingness to pay accordingly.

• If there are certain order sizes you really want access to, you can set a higher spread cap for those tiers — signaling to LPs that you're willing to pay a premium for fast fills at that size
• For order sizes you care less about, set a lower cap — you won't overpay on transactions that aren't as valuable to you
• Market rates move constantly, so there's no universal "right" spread — it depends on your business, your volume, and what you're optimizing for

Setting Up Your Tranches

Tranche configuration is available in your merchant settings. Define your tiers based on your business needs:

• Set the order size breakpoints that match your typical transaction sizes
• Assign a max spread cap for each tier — higher for sizes you want prioritized, lower for sizes you're less willing to pay for
• The system automatically applies the correct tier based on order amount
• Buyers always see the final price — they don't see the spread breakdown
• Adjust anytime as market conditions and your needs change

In this setup, the merchant is willing to pay a higher premium on small orders to ensure they fill quickly — that's where their volume is. Larger orders get a tighter cap since they're less frequent. Your configuration will look completely different depending on your business — this is just one example. Set each tier based on what you prioritize.

Receive Any Token on Any Chain

By default, Peer Pay settles in USDC on Base. But with auto-bridging, you can configure your checkout to automatically bridge and convert funds so you receive a specific token on a specific chain.

• Buyer pays in fiat (Venmo, CashApp, etc.) → order completes → funds are automatically bridged to your target chain and swapped to your target token
• No manual bridging or swapping required on your end
• Settlement happens automatically after order completion

Supported Chains & Use Cases

Auto-bridging supports major EVM chains and tokens. Common configurations:

Forward Funds to a Custom Wallet

By default, completed orders deposit USDC into your merchant wallet. With order forwarding, you can route funds directly to a different wallet address instead.

• Deposit address — Perfect for casinos, poker platforms, and onramps: generate a unique deposit address and have funds land directly into a player's account or platform wallet. No manual transfers needed.
• Treasury wallet — Send directly to your company's multisig or treasury
• Smart contract — Route funds into a DeFi protocol, vault, or staking contract automatically
• Cold storage — Forward to a hardware wallet address for maximum security
• Third-party — Pay suppliers, partners, or service providers directly from order revenue

Forwarding + Auto-Bridging

These features stack. You can configure your checkout to:

1. Accept fiat payment from the buyer
2. Auto-bridge to your target chain and token
3. Forward the resulting tokens to a custom wallet address

Example: Buyer pays $500 via Venmo → auto-bridges to ETH on Arbitrum → deposits directly into your Arbitrum treasury wallet. Fully automated, no manual steps.

Revenue Sharing

Peer Pay supports referral-based fee splitting — a way to share revenue with partners, affiliates, or platforms that drive volume to your checkout.

• Referral fees — Set a percentage of transaction value to be automatically split with a referrer
• Affiliate tracking — Generate unique referral links to track which partner drove each transaction
• Automatic payouts — Revenue share is calculated and allocated automatically per transaction

Fee Structure Breakdown

Here's how fees layer in a typical Peer Pay transaction:

All fees are transparent and configurable. The buyer sees one final price — they don't see the breakdown between platform, spread, merchant, and referral fees.

Scaling Your Volume

• Start small, scale up — Run test orders first, then gradually increase ticket sizes
• Monitor fill times — If orders take too long to fill, consider increasing your max spread slightly to attract more LP liquidity
• Peak hours — Liquidity is generally higher during US business hours (9am–9pm ET). Plan larger orders accordingly
• Spread your orders — Instead of one $5,000 order, consider splitting into multiple smaller orders for faster fills (unless using tranche tiers with favorable large-order rates)

Chargeback Prevention

Chargebacks are your responsibility. Here's how to minimize risk:

• Vet your buyers — Know who you're transacting with, especially for large amounts
• Start with small orders — Build trust before processing large transactions with new buyers
• Keep records — Save order IDs, timestamps, and communication logs
• Set expectations — Make sure buyers understand the payment is final
• Monitor patterns — Repeated small orders from unknown buyers can be a red flag

Team Management

For businesses with multiple team members handling payments:

• Invite team members via the merchant portal using email invite links
• Each team member gets their own access to view orders and manage settings
• Coming soon: Team members will be able to send out payment links on behalf of your merchant account

Sandbox & Testing

Test your full integration before going live:

• Enable sandbox mode — In the merchant portal, click Sandbox in the sidebar to switch to sandbox mode. This gives you a separate sandbox merchant ID and API key for testing.
• Test orders — Create test orders to validate your setup, webhooks, and forwarding configuration without processing real payments
• Webhook testing — Verify your server correctly receives and handles webhook payloads before going live
• End-to-end validation — Walk through the complete flow: order creation → buyer payment → settlement → forwarding/bridging