This publicily available API provided by PayGate.to allows you to generate payment links anonymously without KYC. You can accept Credit/debit card (including MasterCard, Visa, and Maestro) – Apple Pay – Google Pay – SEPA or ACH local bank transfer. You will receive instant payouts to your USDC (Polygon) wallet address once the customer pay using the link. For more information visit: https://paygate.to/instant-payment-gateway/
\nFor successful payment link generation you need to make two mandatory steps:
\nGenerate a temporary encrypted wallet address using GET wallet.php by passing a unique callback URL + your own USDC (Polygon) wallet address to receive payouts. Optionally you can use the affiliate.php wallet creator and pass an additional wallet you own to earn affiliate percentage commission on every sale.
Redirect the customer to the payment page by passing the generated encrypted wallet address along with other required parameters through another GET request to Process Payment This rquest will directly send the customer to the payment page.
Please consult minimum order values for payment providers. Optionally you can white-label this API and use your own custom domain.
\n","schema":"https://schema.getpostman.com/json/collection/v2.0.0/collection.json","toc":[],"owner":"14826208","collectionId":"b60fc37f-f4c6-4106-8e0d-31c598f3accb","publishedId":"2sA3Bj9aBi","public":true,"customColor":{"top-bar":"FFFFFF","right-sidebar":"303030","highlight":"FF6C37"},"publishDate":"2024-04-15T19:10:37.000Z"},"item":[{"name":"Standard Integration","item":[{"name":"Create Wallet","id":"9f7c5d95-9ca3-495a-931a-128d76ecd92e","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"https://api.paygate.to/control/wallet.php?address=0xF977814e90dA44bFA03b6295A0616a897441aceC&callback=https%3A%2F%2Fwww.example.com%2Forders.php%3Fnumber%3D8271468415326","description":"This endpoint retrieves wallet control information by making an HTTP GET request to the specified URL. The request includes the wallet address and a callback URL. The response returns a status code of 200, along with the encrypted receiving wallet address and callback URL in the JSON format.
\naddress: The wallet address to receive instant payouts after customer payment. Wallet must be a valid USDC (Polygon).
callback: urlencoded callback URL where the payment confirmation will be sent using GET request. You must have at least one unique GET parameter with each request. If you use the same parameter value again the same temporary receiving address will be provided in the response. In production use your own unique callback NOT example.com
The response returns a newly generated encrypted receiving temporary wallet address and the same provided callback URL for confirmation in the JSON format. You may need to json_decode(); the response address_in to pass it in the next step.
address_in : This is the encrypted wallet address that need to be passed to the payment link generator (Process Payment) in the second step.
polygon_address_in : This is the generated receiving address decrypted for easy payment tracking. You can't pass this address directly to the second step, you need to pass the encrypted address_in.
callback_url : This is the same callback URL you passed containing all your parameters returned in a decoded format for confirmation. Our bot will send a GET request to this URL when the customer complete the payment containing all your parameters with an additional parameter value_coin representing the actual USDC value sent by the payment provider which can be useful for your system in case you want to verify the sent amount.
ipn_token: This token is useful when provided to our support team we will be able to track your payment and investigate failed callback events.
This endpoint will redirect the customer to the payment page. You should treat this as the payment URL. Your CMS should pass all the following parameters.
\naddress: you need to pass the encrypted address_in generated from GET wallet.php | Passing your payout wallet address directly without the first step will result in a 400 bad request.
amount: Amount you need the customer to pay. For example 105.78 this should be the order total in your system. You can add more fees by passing bigger amounts to cover the payment processing fees.
provider: Possible values can be fetched from provider id at provider status endpoint. Other providers can be available exclusively through the Multi-provider mode only.
email: urlencoded customer email address
currency: Currency code, for example: USD or EUR or CAD
stripe, transfi, robinhood and bitnovo providers values need to be in USD only!
upi is INR currency only! | interac is CAD currency only!
Please note that you are not allowed to use the payment link within embedded iframe, user must be redirected to the licensed payment provider page directly. Your system will be notified after customer payment using the predefined callback URL.
\nBy default when the end customer is redirected through this endpoint our servers would detect the customer location country automatically. However in some cases you may want to hide our domain completely and fetch the end provider payment URL that this endpoint is redirecting to. In this case you may need to note that payment links are usually built based on end customer location country and you should always make sure to pass the end user geo country ISO code by passing HTTP request header PGTO-IPCountry with its value as the country ISO code of end user for example ES for Spain.
This endpoint is similar to process-payment.php but it will redirect the customer to a hosted page with multi-provider selection list. Options displayed on the hosted payment page are based on several factors including but not limited to customer location, payment amount and currency. GET parameters can be as follows:
\naddress: you need to pass the ecnrypted address_in generated from GET https://api.paygate.to/control/wallet.php | Passing your payout wallet address directly without the first step will result in a 400 bad request.
amount: Amount you need the customer to pay. For example 105.78 this should be the order total in your system. You can add more fees by passing bigger amounts to cover the payment processing fees.
email: urlencoded customer email address
currency: Currency code, for example: USD or EUR or CAD
domain: This is an optional parameter to white-label (rebrand) the hosted checkout page with your own custom domain name. You can set your own rebranded subdomain that will replace any instance of checkout.paygate.to in the hosted payment page code. The format of this optional parameter value should be like checkout.example.com and it can be set to be hidden within your cloudflare worker code to prevent manipulation.
logo: urlencoded image URL to be used as the brand logo displayed on the multi-coin crypto checkout page. This is an optional value and it can be for example your own website/brand logo.
background: urlencoded HEX color code to optionally change the background color of the checkout page. Instead of HEX code you may pass direct CSS color naming like green, blue, orange, etc.
theme: urlencoded HEX color code to optionally change the theme color of the checkout page. Instead of HEX code you may pass direct CSS color naming like green, blue, orange, etc.
button: urlencoded HEX color code to optionally change the checkout page button color. Instead of HEX code you may pass direct CSS color naming like green, blue, orange, etc.
This endpoint will return full list of possible providers you can use within the credit card system and their minimum order value. No extra GET parameters needed with this endpoint.
id: This is the API provider id to be used as &provider= parameter value for process payment link.
provider_name: User friendly (human readable) provider name.
status: Up to date status of the provider. If it is not active then you should avoid using this provider in your system.
minimum_currency: The currency of the minimum allowed order amount for this provider. Note that the provider may still support other currencies.
minimum_amount: The minimum order amount for this provider.
Standard integration is for merchants who want to use PayGate.to credit card system directly. Merchant would only need a valid crypto EVM wallet to access the system and it should be a self-custodial wallet to avoid any possible payout issues or coin mismatch. The TrustWallet SWIFT option is the best for beginners who don't understand how crypto works since it provides a single wallet address to receive all coins. While it is possible to use exchanges like a Binance deposit addresses it is not recommended.
\nThere are two important notes regarding the integration:
\nYou must use the API to create a unique encrypted wallet address_in for each customer and you should avoid reusing the same link for multiple customers otherwise it will get blocked.
Creating a unique wallet requires passing a unique callback link of your own with each request. Make sure the links have a unique GET parameter value for each like for example a unique order number or invoice ID.
Optionally if you want to white-label (rebrand) our payment gateway then you can use this endpoint as the first step and pass your affiliate wallet as an extra affiliate parameter to earn commission on every sale. Merchant wallet and affiliate wallet must be different or the request will fail.
This optional endpoint is for advanced rebranding usage. If you want to rebrand (white-label) and set a custom redistribution of the payout or set a custom commssion fee to yourself as an affiliate then you can optionally use this endpoint to create wallets. This endpoint is similar to the Affiliate endpoint with two extra parameters affiliate_fee and merchant_fee. Those two parameters can be used to distribute percentage of the instant payout to address and affiliate wallets.
affiliate_fee is used to set percentage to the affiliate wallet, if it is set to 0.01 this wallet would receive 1% of the total final payout. merchant_fee is used to set percentage to the address wallet, if it is set to 0.98 then this wallet would receive 98% of the total final payout.
The sum of affiliate_fee and merchant_fee must always be 0.99 as our service fee is 1% of the total payout. If the total is not 0.99 the request would fail.
\n","urlObject":{"protocol":"https","path":["control","custom-affiliate.php"],"host":["api","paygate","to"],"query":[{"key":"address","value":"0xF977814e90dA44bFA03b6295A0616a897441aceC"},{"key":"callback","value":"https%3A%2F%2Fwww.example.com%2Forder%3Fnumber%3D82173313628090"},{"key":"affiliate","value":"0x3c783c21a0383057D128bae431894a5C19F9Cf06"},{"key":"affiliate_fee","value":"0.01"},{"key":"merchant_fee","value":"0.98"}],"variable":[]}},"response":[{"id":"3f8d5a9c-2176-4b76-b1f0-e4cc5a51b6f5","name":"Response Example","originalRequest":{"method":"GET","header":[],"url":{"raw":"https://api.paygate.to/control/custom-affiliate.php?address=0xF977814e90dA44bFA03b6295A0616a897441aceC&callback=https%3A%2F%2Fwww.example.com%2Forder%3Fnumber%3D82173313628090&affiliate=0x3c783c21a0383057D128bae431894a5C19F9Cf06&affiliate_fee=0.01&merchant_fee=0.98","protocol":"https","host":["api","paygate","to"],"path":["control","custom-affiliate.php"],"query":[{"key":"address","value":"0xF977814e90dA44bFA03b6295A0616a897441aceC"},{"key":"callback","value":"https%3A%2F%2Fwww.example.com%2Forder%3Fnumber%3D82173313628090"},{"key":"affiliate","value":"0x3c783c21a0383057D128bae431894a5C19F9Cf06"},{"key":"affiliate_fee","value":"0.01"},{"key":"merchant_fee","value":"0.98"}]}},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":"Date","value":"Mon, 06 Oct 2025 16:04:59 GMT"},{"key":"Server","value":"Apache/2.4.65 (Debian)"},{"key":"Strict-Transport-Security","value":"max-age=31536000; includeSubDomains; preload"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"Content-Length","value":"364"},{"key":"Keep-Alive","value":"timeout=5, max=100"},{"key":"Connection","value":"Keep-Alive"},{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"address_in\": \"PSHb7nNwS2o06r0DqAWrXmB8wc8IM%2Fww8An%2F6NnshnsSq0ng%2Bpi4%2B6BIjNg2J8mI67Nt1mtagMetMw93izaXbg%3D%3D\",\n \"polygon_address_in\": \"0xA7Eba8e2e69CEe6e2AAB875B2Dd97F8698Dd8BAb\",\n \"callback_url\": \"https://www.example.com/order?number=82173313628090\",\n \"ipn_token\": \"ZEE2cW8zb1N0N2otZEc3eHh3MDNUU1lTMEExYmVvcDBVNlVBcEl6UWNRX2ZXUWktM09UdlJyVTRsYV9MRm1kTHY3RTk%3D\"\n}"}],"_postman_id":"5bcee463-af55-4e7f-914e-bfdcb71f4098"},{"name":"Sub-Affiliate (Optional)","id":"e74d712c-5a25-4a23-9197-851e45074dd9","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"noauth","isInherited":false},"method":"GET","header":[],"url":"https://api.paygate.to/control/custom-sub-affiliate.php?address=0xF977814e90dA44bFA03b6295A0616a897441aceC&callback=https%3A%2F%2Fwww.example.com%2Forder%3Fnumber%3D82173314628191&affiliate=0x3c783c21a0383057D128bae431894a5C19F9Cf06&affiliate_fee=0.01&merchant_fee=0.97&sub_affiliate_fee=0.01&sub_affiliate=0x082489A616aB4D46d1947eE3F912e080815b08DA","description":"This optional endpoint is for advanced rebranding usage. If you want to rebrand (white-label) and set a custom redistribution of the payout or set a custom commssion fee for both yourself as an affiliate and your sub-affiliate then you can optionally use this endpoint to create wallets. This endpoint is similar to the Affiliate endpoint with extra parameters affiliate_fee , sub_affiliate_fee and merchant_fee. Those parameters can be used to distribute percentage of the instant payout to address, sub-affiliate and affiliate wallets.
affiliate_fee is used to set percentage to the affiliate wallet, if it is set to 0.01 this wallet would receive 1% of the total final payout. merchant_fee is used to set percentage to the address wallet, if it is set to 0.97 then this wallet would receive 97% of the total final payout. sub_affiliate_fee is used to set percentage to the sub_affiliate wallet, if it is set to 0.01 the sub_affiliate would receive 1% of the final payout.
The sum of affiliate_fee, sub_affiliate_fee and merchant_fee must always be 0.99 as our service fee is 1% of the total payout. If the total is not 0.99 the request would fail.
\n","urlObject":{"protocol":"https","path":["control","custom-sub-affiliate.php"],"host":["api","paygate","to"],"query":[{"key":"address","value":"0xF977814e90dA44bFA03b6295A0616a897441aceC"},{"key":"callback","value":"https%3A%2F%2Fwww.example.com%2Forder%3Fnumber%3D82173314628191"},{"key":"affiliate","value":"0x3c783c21a0383057D128bae431894a5C19F9Cf06"},{"key":"affiliate_fee","value":"0.01"},{"key":"merchant_fee","value":"0.97"},{"key":"sub_affiliate_fee","value":"0.01"},{"key":"sub_affiliate","value":"0x082489A616aB4D46d1947eE3F912e080815b08DA"}],"variable":[]}},"response":[{"id":"3842d10f-8f34-4a4a-9a97-73f24bf5bbd7","name":"Response Example","originalRequest":{"method":"GET","header":[],"url":{"raw":"https://api.paygate.to/control/custom-sub-affiliate.php?address=0xF977814e90dA44bFA03b6295A0616a897441aceC&callback=https%3A%2F%2Fwww.example.com%2Forder%3Fnumber%3D82173314628191&affiliate=0x3c783c21a0383057D128bae431894a5C19F9Cf06&affiliate_fee=0.01&merchant_fee=0.97&sub_affiliate_fee=0.01&sub_affiliate=0x082489A616aB4D46d1947eE3F912e080815b08DA","protocol":"https","host":["api","paygate","to"],"path":["control","custom-sub-affiliate.php"],"query":[{"key":"address","value":"0xF977814e90dA44bFA03b6295A0616a897441aceC"},{"key":"callback","value":"https%3A%2F%2Fwww.example.com%2Forder%3Fnumber%3D82173314628191"},{"key":"affiliate","value":"0x3c783c21a0383057D128bae431894a5C19F9Cf06"},{"key":"affiliate_fee","value":"0.01"},{"key":"merchant_fee","value":"0.97"},{"key":"sub_affiliate_fee","value":"0.01"},{"key":"sub_affiliate","value":"0x082489A616aB4D46d1947eE3F912e080815b08DA"}]}},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":"Date","value":"Mon, 06 Oct 2025 16:05:47 GMT"},{"key":"Server","value":"Apache/2.4.65 (Debian)"},{"key":"Strict-Transport-Security","value":"max-age=31536000; includeSubDomains; preload"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"Content-Length","value":"360"},{"key":"Keep-Alive","value":"timeout=5, max=100"},{"key":"Connection","value":"Keep-Alive"},{"key":"Content-Type","value":"application/json"}],"cookie":[],"responseTime":null,"body":"{\n \"address_in\": \"wBWnsV63iw08CXjZ%2BYQwKYMRz5K4mpBRZwHuGe5PUKmpVyBLgI5PXJqvs4X11%2F6zRrqtAnyI3kYvE1J0SSUaYA%3D%3D\",\n \"polygon_address_in\": \"0x1a65e22d1A8e3001574446D6d92632D5E075073a\",\n \"callback_url\": \"https://www.example.com/order?number=82173314628191\",\n \"ipn_token\": \"ZEE2cW8zb1N0N2otZEc3eHh3MDNUU1lTMEExYmVvcDBVNlVBcEl6UWNRX2ZXUWktM09UdlJyVTRsYV9NRm1kTHZyRTg%3D\"\n}"}],"_postman_id":"e74d712c-5a25-4a23-9197-851e45074dd9"}],"id":"9e409106-de4f-4d33-a456-ca3366b3e58c","description":"The affiliate system works the same way as the standard integration but it would allow sending and distributing the payout to multiple wallets. This would be controlled at the encrypted wallet creation step (address_in).
There are multiple possible setups for the affiliate system:
\nFollow the easy custom domain guide to fully integrate the system with or without affiliate commission. Using this easy method you can set your own custom set commission, rebranding the payment gateway with minimal coding skills.
\nUse this API server side to earn the default 0.5% or any custom set commission as you wish. (Payouts will be distributed to two wallets one is the merchant and the other is for the affiliate who rebranded the system).
\nUse this API server side to create an advanced integration with both sub-merchants and sub-affiliates. So you would have merchants using your system and affiliates under you doing marketing to the rebranded payment gateway.
\nIn all use cases it is instant approval and instant payouts for all. The generated receiving wallets will automatically send payouts per the set API commission percentage. Make sure the merchant wallets and affiliate wallets are different otherwise requests will fail.
\n","_postman_id":"9e409106-de4f-4d33-a456-ca3366b3e58c"},{"name":"Convert to USD","id":"25bdca17-8411-4e9f-aa81-06c6b4e35342","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"https://api.paygate.to/control/convert.php?from=EUR&value=1258.31","description":"Some providers like wert, Stripe, Transfi and rampnetwork supports USD only. You may need to convert your amount to USD currency.
from : The from currency code you want to convert to USD for example: EUR or SEK.value : The amount of the from currency to be converted to USD.
value_coin : Converted amount to USD.exchange_rate : Currency conversion rate to USD.
When a payment is made by one of the providers our bot will visit your callback URL using GET request method. All your original parameters will be included plus the following payment data parameters:
value_coin: Amount of USDC paid by the provider.
coin: Payout coin type usually polygon_usdc or polygon_usdt
txid_in: Polygon TXID of the payment made from the provider to the order assigned wallet.
txid_out: Instant payout TXID from the order assigned wallet to your merchant predefined wallet.
address_in: This should match the same polygon_address_in unencrypted wallet generated at the first step.
value_forwarded_coin: Total amount forwarded from the order assigned wallet to merchant and affiliates.
Use this endpoint to check the payment status.
\nWarning: This endpoint is intended to be used on casual basis only to check the payment status and payout info when needed. However you shouldn't rely on this endpoint to change order status on your own website/system to avoid getting rate limited. To change order status within your own website system you should rely on the Callback Event where our bot will hit your server when the payment is made.
\nipn_token: You should have this from the first request creating the wallet.status: It is either paid or unpaid.
value_coin: Amount of crypto sent by the provider to the order assigned wallet, usually USDC.
txid_out: TXID of the payout transaction to your merchant wallet on the blockchain.
coin: The payout coin type usually polygon_usdc