{"info":{"_postman_id":"a2973b17-99d1-428c-8c48-b97cba08569c","name":"Monyza Payment Gateway","description":"

Monyza — The Next-Gen USDT Payment Gateway for Web3 Merchants

Accept payments in USDT instantly and directly to your wallet on BNB Smart Chain and Polygon. No KYC, no custodian, no fees.

\n","schema":"https://schema.getpostman.com/json/collection/v2.0.0/collection.json","toc":[{"content":"Monyza — The Next-Gen USDT Payment Gateway for Web3 Merchants","slug":"monyza-the-next-gen-usdt-payment-gateway-for-web3-merchants"}],"owner":"13052065","collectionId":"a2973b17-99d1-428c-8c48-b97cba08569c","publishedId":"2sB3B8tDZX","public":true,"customColor":{"top-bar":"FFFFFF","right-sidebar":"303030","highlight":"FF6C37"},"publishDate":"2025-07-31T08:06:40.000Z"},"item":[{"name":"Documentation","item":[{"name":"What is Monyza?","id":"250d2ce9-ad0e-467c-bee2-10991e0f23a2","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"","description":"

What is Monyza?

Monyza is a next-generation non-custodial USDT payment gateway designed specifically for Web3 merchants and platforms.

Unlike traditional payment processors, Monyza allows funds to go directly to the merchant’s wallet — eliminating the need for intermediaries and reducing settlement delays.

⚙️ Key Features:

Non-Custodial: Payments are sent directly to your on-chain wallet. We never hold your funds.
\n
USDT Support: Accept stablecoin payments over BNB Smart Chain (BSC) and Polygon.
\n
Real-Time Monitoring: Automated transaction detection via blockchain logs.
\n
Secure & Scalable: Each transaction uses HMAC signature verification, IP whitelisting, and customizable metadata.
\n
Callback System: Notify your backend system instantly when a transaction is confirmed.
\n

Whether you're running a dApp, NFT marketplace, or digital storefront, Monyza makes it easy to accept USDT payments securely and reliably.

\n","urlObject":{"query":[],"variable":[]}},"response":[],"_postman_id":"250d2ce9-ad0e-467c-bee2-10991e0f23a2"},{"name":"How to Generate Signature","id":"7b863597-2920-4c1d-ab09-9e16ed91bffd","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"","description":"

🔐 How to Generate Signature

To ensure that each request is secure and verifiable, Monyza requires a HMAC-SHA256 signature in the signature field of the request body.

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Field	Type	Description
`amount`	string	The payment amount in USDT (e.g., `\"10.00\"`).
`partner_reff`	string	Your unique reference ID for the transaction.
`timestamp`	string	Current Unix timestamp in seconds (e.g., `1699372741`).

✍️ Signature Formula

🔹 For `POST` Requests

When sending a payment creation request:

const payload = `${timestamp}|${amount}|${partner_reff}`;\n\n

Then generate SHA256 hash:

const crypto = require('crypto');\nconst secret = 'YOUR_SECRET_KEY';\nconst amount = '0.01';\nconst partner_reff = 'XXXXXXX';\nconst timestamp = new Date().toISOString(); // format ISO 8601\nconst raw = `${timestamp}|${amount}|${partner_reff}`;\n// Signature with HMAC-SHA256\nconst signature = crypto\n  .createHmac('sha256', secret)\n  .update(raw)\n  .digest('hex');\n\n

🔹 For `GET` Requests

When checking status of a payment:

const payload = `${timestamp}|${partner_reff}`;\n\n

Then same hashing:

const raw = `${timestamp}|${partner_reff}`;\nconst signature = crypto\n  .createHmac('sha256', secret)\n  .update(raw)\n  .digest('hex');\n\n

✅ Required Headers

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Header	Value
`x-api-key`	Your provided API key

⚠️ The signature is only valid for a short time (±60s). Ensure your server clock is synced.

\n","urlObject":{"query":[],"variable":[]}},"response":[],"_postman_id":"7b863597-2920-4c1d-ab09-9e16ed91bffd"},{"name":"Callback Payload","id":"cc9c7a1b-2006-4927-b992-9a925800e838","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"","description":"

📡 Callback with Signature Verification

Once a payment is marked as PAID, Monyza sends a callback to your server including a digital signature to ensure authenticity.

Please Whitelist IP Callback Monyza : 62.72.44.193

🔁 Sample Callback JSON Payload

{\n  \"invoice_id\": \"INV-2-175367956XXXX\",\n  \"merchant_id\": 2,\n  \"amount\": \"0.10570000\",\n  \"token_symbol\": \"USDT\",\n  \"wallet_address\": \"0x4126f6c981586c25a531c7ee87XXXXXX\",\n  \"status\": \"PAID\",\n  \"tx_hash\": \"0x916bf5ca3a540cc273c9a709292233c3abb60f54064e169a06c7XXXXX\",\n  \"created_at\": \"2025-07-28T05:12:44.000Z\",\n  \"paid_at\": \"2025-07-28T05:14:03.385Z\",\n  \"expired_at\": \"2025-07-28T05:27:44.000Z\",\n  \"partner_reff\": \"ORDERXXXXX\",\n  \"chain\": \"polygon\",\n  \"base_amount\": \"0.01000000\",\n  \"unique_code\": 957\n}\n\n

🛡️ Signature Header

To ensure the payload is authentic, Monyza includes the HMAC signature in the request header:

x-callback-signature: <calculated_signature>\nx-internal-server: callback-runner\n\n

🔐 How to Verify Signature

Use this formula to verify the x-callback-signature:

const crypto = require('crypto');\nfunction generateSignature(payload, secretKey) {\n  const payloadString = typeof payload === 'string' ? payload : JSON.stringify(payload);\n  return crypto.createHmac('sha256', secretKey).update(payloadString).digest('hex');\n}\n\n

✅ Your secretKey is the one shared with your merchant account on Monyza.

To verify:

Receive the raw JSON body of the callback.
\n
Re-generate the signature using the function above.
\n
Compare the generated signature with the value in x-callback-signature header.
\n

✅ Expected Response

Your endpoint must respond with:

{\n  \"status\": true,\n  \"msg\": \"Callback received\"\n}\n\n

Otherwise, Monyza will retry up to 3 times.

\n","urlObject":{"query":[],"variable":[]}},"response":[],"_postman_id":"cc9c7a1b-2006-4927-b992-9a925800e838"}],"id":"41130610-7955-4b06-bc1e-26935e72ac39","description":"

This folder contains detailed explanation of how Monyza works, how to generate signature and how callback is triggered.

\n","_postman_id":"41130610-7955-4b06-bc1e-26935e72ac39"},{"name":"Create Transaction","id":"b87c26fd-0c77-48ad-b050-0432d6ec72a5","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"x-api-key","value":"YOUR_API_KEY"}],"body":{"mode":"raw","raw":"{\n \"amount\": \"1.00\",\n \"partner_reff\": \"ORDER123456\",\n \"timestamp\": \"1753945561\",\n \"signature\": \"\",\n \"chain\": \"polygon\"\n}"},"url":"https://api.monyza.com/api/invoice","description":"

💸 Create Transaction

Use this endpoint to create a new USDT invoice for your customer. Once created, Monyza will monitor the blockchain to detect the payment and update the status automatically.

🔗 Endpoint

POST https://api.monyza.com/api/invoice\n\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Header	Type	Description
`x-api-key`	string	Your merchant API key (required)
`Content-Type`	string	`application/json`

{\n  \"amount\": \"0.1057\",\n  \"partner_reff\": \"ORDER123456789\",\n  \"timestamp\": \"1659278137341\",\n  \"signature\": \"your_generated_signature\",\n  \"token_symbol\": \"USDT\",\n  \"wallet_address\": \"your_wallet\",\n  \"chain\": \"bsc\"\n}\n\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Field	Type	Description
`amount`	string	Amount (in USDT) to be paid. Can include decimals.
`partner_reff`	string	Your internal order reference (must be unique).
`timestamp`	string	Current Unix timestamp in milliseconds.
`signature`	string	HMAC SHA256 signature for authentication
`token_symbol`	string	USDT or USDC Default USDT (optional)
`wallet_address`	string	Your Wallet Address
`chain`	string	Blockchain to use: `bsc` , `polygon` , `tron` , `eth`.

✅ Sample Response

{\n    \"status\": true,\n    \"message\": \"Make sure you transfer according to the 'totalAmount'\",\n    \"invoice_id\": \"INV-2-175363276XXXX\", //invoice monyza\n    \"address\": \"0xcb81a39df73c81eXXXX\",\n    \"originalAmount\": 0.1,\n    \"unique_code\": 781,\n    \"totalAmount\": 0.1781,\n    \"token\": \"USDT\",\n    \"partner_reff\": \"ORDERXXXXX\", //your partner_reff\n    \"expired_at\": \"2025-07-27T16:27:45.060Z\", // Expiry 15 Minute\n    \"qr\": \"data:image/png;base64,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\"\n}\n\n

\n","urlObject":{"protocol":"https","path":["api","invoice"],"host":["api","monyza","com"],"query":[],"variable":[]}},"response":[],"_postman_id":"b87c26fd-0c77-48ad-b050-0432d6ec72a5"},{"name":"Check Status by Invoice ID","id":"0ab68242-4c31-42cb-953c-bb1488a17c65","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"x-api-key","value":"YOUR_API_KEY"}],"url":"https://api.monyza.com/api/invoice/{{invoice}}?timestamp=1753945561&signature=","description":"

🔍 Check Transaction Status by Invoice ID

Use this endpoint to check the current status of an invoice using the invoice_id returned when creating the transaction.

🔗 Endpoint

GET https://api.monyza.com/api/invoice/INV-001?timestamp=1753945561&signature=\n\n

🔐 Headers

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Header	Type	Description
`x-api-key`	string	Your merchant API key (required)
`Content-Type`	string	`application/json`

📥 Query Parameters

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Param	Type	Description
`timestamp`	string	Current Unix timestamp in milliseconds
`signature`	string	Signature generated from timestamp + ID

🧮 Signature Formula

const payload = `${timestamp}|${invoice_id}`;\nconst signature = hmac_sha256(payload, secret_key);\n\n

✅ Sample Response

{\n    \"status\": true,\n    \"data\": {\n        \"invoice_id\": \"INV-7-175380xxxx\",\n        \"amount\": \"0.10100000\",\n        \"unique_code\": 910,\n        \"token_symbol\": \"USDT\",\n        \"wallet_address\": \"0xcb81a39df73c81e441be89xxx\",\n        \"status\": \"EXPIRED\",\n        \"tx_hash\": null,\n        \"created_at\": \"2025-07-29T16:02:33.000Z\",\n        \"paid_at\": null,\n        \"expired_at\": \"2025-07-29T21:17:33.000Z\",\n        \"chain\": \"polygon\"\n    }\n}\n\n

\n","urlObject":{"protocol":"https","path":["api","invoice","{{invoice}}"],"host":["api","monyza","com"],"query":[{"key":"timestamp","value":"1753945561"},{"key":"signature","value":""}],"variable":[]}},"response":[],"_postman_id":"0ab68242-4c31-42cb-953c-bb1488a17c65"},{"name":"Check Status by Partner Reff","id":"66c26b61-d2b6-43c2-9acb-b8fb6097499d","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[{"key":"x-api-key","value":"YOUR_API_KEY"}],"url":"https://api.monyza.com/api/invoice/status/ORDER123456?timestamp=1753945561&signature=","description":"

🔍 Check Transaction Status by Partner Reff

Use this endpoint to check the current status of an invoice using the partner_reff returned when creating the transaction.

🔗 Endpoint

GET https://api.monyza.com/api/invoice/status/ORDER123456?timestamp=1753945561&signature=\n\n

🔐 Headers

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Header	Type	Description
`x-api-key`	string	Your merchant API key (required)
`Content-Type`	string	`application/json`

📥 Query Parameters

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Param	Type	Description
`timestamp`	string	Current Unix timestamp in milliseconds
`signature`	string	Signature generated from timestamp + ID

🧮 Signature Formula

const payload = `${timestamp}|${partner_reff}`;\nconst signature = hmac_sha256(payload, secret_key);\n\n

✅ Sample Response

{\n    \"status\": true,\n    \"data\": {\n        \"invoice_id\": \"INV-7-175380xxxx\",\n        \"amount\": \"0.10100000\",\n        \"unique_code\": 910,\n        \"token_symbol\": \"USDT\",\n        \"wallet_address\": \"0xcb81a39df73c81e441be89xxx\",\n        \"status\": \"EXPIRED\",\n        \"tx_hash\": null,\n        \"created_at\": \"2025-07-29T16:02:33.000Z\",\n        \"paid_at\": null,\n        \"expired_at\": \"2025-07-29T21:17:33.000Z\",\n        \"chain\": \"polygon\"\n    }\n}\n\n

\n","urlObject":{"protocol":"https","path":["api","invoice","status","ORDER123456"],"host":["api","monyza","com"],"query":[{"key":"timestamp","value":"1753945561"},{"key":"signature","value":""}],"variable":[]}},"response":[],"_postman_id":"66c26b61-d2b6-43c2-9acb-b8fb6097499d"}],"variable":[{"key":"amount","value":"1.00"},{"key":"partner_reff","value":"ORDER123456"},{"key":"timestamp","value":"1753945561"},{"key":"signature","value":""},{"key":"invoice_id","value":"INV-001"},{"key":"api_key","value":"YOUR_API_KEY"}]}

Monyza — The Next-Gen USDT Payment Gateway for Web3 Merchants

What is Monyza?

⚙️ Key Features:

🔐 How to Generate Signature

✍️ Signature Formula

🔹 For POST Requests

🔹 For GET Requests

✅ Required Headers

📡 Callback with Signature Verification

🔁 Sample Callback JSON Payload

🛡️ Signature Header

🔐 How to Verify Signature

✅ Expected Response

💸 Create Transaction

🔗 Endpoint

✅ Sample Response

🔍 Check Transaction Status by Invoice ID

🔗 Endpoint

🔐 Headers

📥 Query Parameters

🧮 Signature Formula

✅ Sample Response

🔍 Check Transaction Status by Partner Reff

🔗 Endpoint

🔐 Headers

📥 Query Parameters

🧮 Signature Formula

✅ Sample Response

🔹 For `POST` Requests

🔹 For `GET` Requests