This publically available API provided by RiskPay allows you to generate payment links anonymously without KYC. You can accept Credit/Debit Cards (including Visa, MasterCard, and Maestro), PayPal, Apple Pay, Google Pay, ACH or SEPA bank transfers. You will receive instant payouts to your USDC (Polygon) wallet address once the customer pays using the link. For more information, visit our company website https://www.riskpay.biz
\nFor successful payment link generation, you need to take two mandatory steps:
\nCreate a temporary encrypted wallet using GET Wallet Creation by passing your own USDC (Polygon) wallet address to receive payouts + a unique callback URL to receive a response. Optionally, you can use the affiliate.php wallet creator and pass an additional wallet you own to earn an 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 Payment Processing. This request will directly send the customer to the payment page.
Please visit the Minimum Order Amounts page for more information about minimum order rules for different payment providers.
\n","schema":"https://schema.getpostman.com/json/collection/v2.0.0/collection.json","toc":[],"owner":"2104539","collectionId":"d0f9b7dd-fa5c-4e29-a2cc-4d54d0200a4d","publishedId":"2sB2cPkRGz","public":true,"customColor":{"top-bar":"FFFFFF","right-sidebar":"303030","highlight":"FF6C37"},"publishDate":"2025-03-30T22:53:44.000Z"},"item":[{"name":"Wallet Creation","id":"1de4ef94-1c29-4b58-992e-4595a3efa15b","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"https://api.riskpay.biz/control/wallet.php?address=0x6ECa2A2B42A0AFdC4028fa8f39Fc9EBEaA53dA7A&callback=https://www.riskpay.biz/callback?number=20250516","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. The 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.
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 needs 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 completes 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 for our support team 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 Wallet Creation. Passing your payout wallet address directly without the first step will result in a \"400 Bad Request\" error.
email : urlencoded customer email address.
provider : Possible values (banxa, binance, bitnovo, interac, moonpay, paypal, rampnetwork, revolut, robinhood, sardine, simplex, stripe, topper, transak, transfi, upi or utorg). More providers will be supported, so you may need to revisit this page.
amount : Amount you need the customer to pay. For example, 79.95 should be the order total in your system. You can add more fees by passing bigger amounts to cover the payment processing fees.
currency : Currency code, for example: USD or EUR or CAD
bitnovo, robinhood, stripe and transfi providers' values need to be in USD only! interac is CAD currency values only! upi is INR currency values only!
Please note that you are not allowed to use the payment link within an embedded iframe. The user must be redirected to the licensed payment provider page directly. Your system will be notified after customer's payment using the predefined callback URL.
\n","urlObject":{"protocol":"https","path":["payment-processing.php"],"host":["pay","riskpay","biz"],"query":[{"key":"address","value":"S72nCSY%2F1a9O6AuDR2bOP9c%2Bfeq8%2BAqhCZx%2BKwtO%2BCAQXOFkTrYxRNEuz7yeTlNDHtwMXXUcTP26j%2FwYiNRMsg%3D%3D"},{"key":"email","value":"name@example.com"},{"key":"provider","value":"mercuryo"},{"key":"amount","value":"79.95"},{"key":"currency","value":"USD"}],"variable":[]}},"response":[{"id":"cef29bfe-2311-4dce-8c36-45501fc393fe","name":"200 OK","originalRequest":{"method":"GET","header":[],"url":{"raw":"https://pay.riskpay.biz/payment-processing.php?address=xlTWUQelOiw7ijfZ%2B0J7UXvnii0MWZahfQDYW1NTEcMK64yE1kJ8MBOUh5QTfrpZPSIX%2F%2FfsekHqXZUeJayORQ%3D%3D&email=name@example.com&provider=mercuryo&amount=79.95¤cy=USD","protocol":"https","host":["pay","riskpay","biz"],"path":["payment-processing.php"],"query":[{"key":"address","value":"xlTWUQelOiw7ijfZ%2B0J7UXvnii0MWZahfQDYW1NTEcMK64yE1kJ8MBOUh5QTfrpZPSIX%2F%2FfsekHqXZUeJayORQ%3D%3D"},{"key":"email","value":"name@example.com"},{"key":"provider","value":"mercuryo"},{"key":"amount","value":"79.95"},{"key":"currency","value":"USD"}]}},"status":"OK","code":200,"_postman_previewlanguage":"html","header":[],"cookie":[],"responseTime":null,"body":""}],"_postman_id":"783bab73-5cf3-456f-a0d8-cdc1d67a60df"},{"name":"[ Optional ] Affiliate Wallet Creation","id":"055d55f2-6132-4541-be8c-f387cbcebd0d","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"https://api.riskpay.biz/control/affiliate.php?address=0x6ECa2A2B42A0AFdC4028fa8f39Fc9EBEaA53dA7A&affiliate=0xbbcb85b759b20fd54992ba39ba7b14337a5625a2&callback=https://www.riskpay.biz/callback?number=20250516","description":"Optionally, if you want to rebrand (white-label) 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. The merchant wallet and affiliate wallet must be different, or the request will fail.
address : The wallet address to receive instant payouts after customer payment. The wallet must be a valid USDC (Polygon).
affiliate : The affiliate wallet address to receive a commission. The wallet must be a valid USDC (Polygon).
callback : urlencoded callback URL where the payment confirmation will be sent using a 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.
address_in : This is the encrypted wallet address that needs 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 completes 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 for our support team to track your payment and investigate failed callback events.
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 commission 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 the percentage of the instant payout to address and affiliate wallets.
address : The wallet address to receive instant payouts after customer payment. The wallet must be a valid USDC (Polygon).
affiliate : The affiliate wallet address to receive commission. The 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.
affiliate_fee : The percentage to the affiliate wallet. If it is set to 0.06, this wallet will receive 6% of the total final payout.
merchant_fee : The percentage to the address wallet. If it is set to 0.82, then this wallet will receive 82% of the total final payout.
address_in : This is the encrypted wallet address that needs 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 completes 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 for our support team to track your payment and investigate failed callback events.
The sum of affiliate_fee and merchant_fee must always be 0.88, as our default service fee is 12% of the total payout. If the total value is not equal to 0.88, the query will result in an error.
\n","urlObject":{"protocol":"https","path":["control","custom-affiliate.php"],"host":["api","riskpay","biz"],"query":[{"key":"address","value":"0x6ECa2A2B42A0AFdC4028fa8f39Fc9EBEaA53dA7A"},{"key":"affiliate","value":"0xbbcb85b759b20fd54992ba39ba7b14337a5625a2"},{"key":"callback","value":"https://www.riskpay.biz/callback?number=20250516"},{"key":"affiliate_fee","value":"0.06"},{"key":"merchant_fee","value":"0.82"}],"variable":[]}},"response":[{"id":"44494d41-bd72-4e3a-9bb2-bb3b7855db6f","name":"200 OK","originalRequest":{"method":"GET","header":[],"url":{"raw":"https://api.riskpay.biz/control/custom-affiliate.php?address=0x6ECa2A2B42A0AFdC4028fa8f39Fc9EBEaA53dA7A&affiliate=0xbbcb85b759b20fd54992ba39ba7b14337a5625a2&callback=https://www.riskpay.biz/callback?number=20250516&affiliate_fee=0.06&merchant_fee=0.82","protocol":"https","host":["api","riskpay","biz"],"path":["control","custom-affiliate.php"],"query":[{"key":"address","value":"0x6ECa2A2B42A0AFdC4028fa8f39Fc9EBEaA53dA7A"},{"key":"affiliate","value":"0xbbcb85b759b20fd54992ba39ba7b14337a5625a2"},{"key":"callback","value":"https://www.riskpay.biz/callback?number=20250516"},{"key":"affiliate_fee","value":"0.06"},{"key":"merchant_fee","value":"0.82"}]}},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":"Date","value":"Wed, 22 Oct 2025 02:28:37 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Transfer-Encoding","value":"chunked"},{"key":"Connection","value":"keep-alive"},{"key":"CF-Ray","value":"99258ff0ab043b8f-IAD"},{"key":"CF-Cache-Status","value":"DYNAMIC"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"Content-Encoding","value":"br"},{"key":"Server","value":"cloudflare"},{"key":"Strict-Transport-Security","value":"max-age=31536000; includeSubDomains; preload"},{"key":"Vary","value":"accept-encoding"},{"key":"Report-To","value":"{\"group\":\"cf-nel\",\"max_age\":604800,\"endpoints\":[{\"url\":\"https://a.nel.cloudflare.com/report/v4?s=USlVWECellu5884MARzK5U8gO7dFDOqFvDA0u5f4V7kh%2BDmSyHTijBXnr8W2zjL6PJTy4SL8SvdNJxQeKRxKBKEwTCzKyANMTXkoe5HQIw%3D%3D\"}]}"},{"key":"Nel","value":"{\"report_to\":\"cf-nel\",\"success_fraction\":0.0,\"max_age\":604800}"},{"key":"alt-svc","value":"h3=\":443\"; ma=86400"}],"cookie":[],"responseTime":null,"body":"{\n \"address_in\": \"%2B6%2FB52i17j1rZuqa9S7sp6GcKn1YjomNNXS3xbqFL92tGCcYNan5pqWoURdzQNrnzRBMSLHCmuI3tYN6LmWtnQ%3D%3D\",\n \"polygon_address_in\": \"0x77970021F78aea4e8e750954F0e6D2cDcb5e1288\",\n \"callback_url\": \"https://www.riskpay.biz/callback?number=20250516\",\n \"ipn_token\": \"ZEE2cW8zb1N0N2otZEc3eDBCd2xTeVlmekExYWZKMTBYN1lJclp5T2ZCR05WUmloZzdtdlNyQTdsS3ZJRldSRg%3D%3D\"\n}"}],"_postman_id":"4a8a5b17-79a6-4f7e-9524-6f7425f68537"},{"name":"[ Optional ] Multi-Provider Gateway","id":"40cb9b49-8d43-48e5-b2de-e113c6bf1b72","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"https://pay.riskpay.biz/payment-creating.php?address=S72nCSY%2F1a9O6AuDR2bOP9c%2Bfeq8%2BAqhCZx%2BKwtO%2BCAQXOFkTrYxRNEuz7yeTlNDHtwMXXUcTP26j%2FwYiNRMsg%3D%3D&email=name@example.com&amount=79.95¤cy=USD&domain=buy.example.com","description":"This endpoint is similar to Payment Processing, but it will redirect the customer to a hosted page with a 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 encrypted address_in generated from Wallet Creation. Passing your payout wallet address directly without the first step will result in a \"400 Bad Request\" error.
email : urlencoded customer email address.
amount : Amount you need the customer to pay. For example, 79.95 should be the order total in your system. You can add more fees by passing bigger amounts to cover the payment processing fees.
currency : Currency code, for example: USD or EUR or CAD
wert, stripe, transfi, robinhood and rampnetwork providers' values need to be in USD only! interac is CAD currency values only! upi is INR currency values only!
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 buy.example.com and it can be set to be hidden within your cloudflare worker code to prevent manipulation.
Please note that you are not allowed to use the payment link within an embedded iframe. The user must be redirected to the licensed payment provider page directly. Your system will be notified after customer payment using the predefined callback URL.
\n","urlObject":{"protocol":"https","path":["payment-creating.php"],"host":["pay","riskpay","biz"],"query":[{"key":"address","value":"S72nCSY%2F1a9O6AuDR2bOP9c%2Bfeq8%2BAqhCZx%2BKwtO%2BCAQXOFkTrYxRNEuz7yeTlNDHtwMXXUcTP26j%2FwYiNRMsg%3D%3D"},{"key":"email","value":"name@example.com"},{"key":"amount","value":"79.95"},{"key":"currency","value":"USD"},{"key":"domain","value":"buy.example.com"}],"variable":[]}},"response":[{"id":"db4c8d03-c0b5-4389-a5ab-7e8d639f35f1","name":"200 OK","originalRequest":{"method":"GET","header":[],"url":{"raw":"https://pay.riskpay.biz/payment-creating.php?address=S72nCSY%2F1a9O6AuDR2bOP9c%2Bfeq8%2BAqhCZx%2BKwtO%2BCAQXOFkTrYxRNEuz7yeTlNDHtwMXXUcTP26j%2FwYiNRMsg%3D%3D&email=name@example.com&amount=79.95¤cy=USD&domain=buy.example.com","protocol":"https","host":["pay","riskpay","biz"],"path":["payment-creating.php"],"query":[{"key":"address","value":"S72nCSY%2F1a9O6AuDR2bOP9c%2Bfeq8%2BAqhCZx%2BKwtO%2BCAQXOFkTrYxRNEuz7yeTlNDHtwMXXUcTP26j%2FwYiNRMsg%3D%3D"},{"key":"email","value":"name@example.com"},{"key":"amount","value":"79.95"},{"key":"currency","value":"USD"},{"key":"domain","value":"buy.example.com"}]}},"status":"OK","code":200,"_postman_previewlanguage":"","header":[],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":""}],"_postman_id":"40cb9b49-8d43-48e5-b2de-e113c6bf1b72"},{"name":"Сurrency Сonversion","id":"c9840e55-d0b4-4cdc-9889-38b46a3a0780","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"https://api.riskpay.biz/control/currency-conversion.php?value=79.95&from=EUR","description":"Some providers like wert, stripe, transfi, and rampnetwork support USD only. You may need to convert your amount to USD currency.
value : The amount of the currency you want to convert to USD.
from : The code of the currency you want to convert to USD, for example, EUR or SEK.
status : Status of the response.
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 the 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.
Use this endpoint to check the payment status.
\nipn_token : You should have this from the first request creating the wallet.status : Status of the payment. Can be either paid or unpaid.
value_coin : Amount of crypto sent by the provider to the assigned wallet.
txid_out : TXID of the payout transaction to your merchant wallet on the blockchain.
coin : The payout coin type usually polygon_usdc.
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.
\n","urlObject":{"protocol":"https","path":["control","payment-status.php"],"host":["api","riskpay","biz"],"query":[{"key":"ipn_token","value":"ZEE2cW8zb1N0N2otZEc3eDBCd2xTeVlmekExYWZKMTBYN1lJclp5T2ZCR05WUmloZzdtdlNyQTdsS3ZJRldSRg%3D%3D"}],"variable":[]}},"response":[{"id":"f053d807-d82f-400d-9e09-eb79d7a89b16","name":"200 OK","originalRequest":{"method":"GET","header":[],"url":{"raw":"https://api.riskpay.biz/control/payment-status.php?ipn_token=ZEE2cW8zb1N0N2otZEc3eDBCd2xTeVlmekExYWZKMTBYN1lJclp5T2ZCR05WUmloZzdtdlNyQTdsS3ZJRldSRg%3D%3D","protocol":"https","host":["api","riskpay","biz"],"path":["control","payment-status.php"],"query":[{"key":"ipn_token","value":"ZEE2cW8zb1N0N2otZEc3eDBCd2xTeVlmekExYWZKMTBYN1lJclp5T2ZCR05WUmloZzdtdlNyQTdsS3ZJRldSRg%3D%3D"}]}},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":"Date","value":"Wed, 22 Oct 2025 02:52:14 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Transfer-Encoding","value":"chunked"},{"key":"Connection","value":"keep-alive"},{"key":"CF-Ray","value":"9925b2868958d645-IAD"},{"key":"CF-Cache-Status","value":"DYNAMIC"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"Server","value":"cloudflare"},{"key":"Strict-Transport-Security","value":"max-age=31536000; includeSubDomains; preload"},{"key":"Vary","value":"accept-encoding"},{"key":"Report-To","value":"{\"group\":\"cf-nel\",\"max_age\":604800,\"endpoints\":[{\"url\":\"https://a.nel.cloudflare.com/report/v4?s=fXOlLOYVnZ126%2FNZg7%2BQCsTnhAt%2FZWaCVzSa3XDwyP3d%2Fz9Z3XsSQ%2Fcjfb8qmv7SUruX4eZTf5jna9NSvdlUgrHQEVMUzYsO1hKxFlt5dQ%3D%3D\"}]}"},{"key":"Nel","value":"{\"report_to\":\"cf-nel\",\"success_fraction\":0.0,\"max_age\":604800}"},{"key":"Content-Encoding","value":"br"},{"key":"alt-svc","value":"h3=\":443\"; ma=86400"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"paid\",\n \"value_coin\": \"79.98\",\n \"txid_out\": \"0x622f94b6aefbc78d3502e1c9f0b4a3d7c065df4b39ac812f7fed1942d50e3cn\",\n \"coin\": \"polygon_usdc\"\n}"}],"_postman_id":"1f45c40b-0a5b-4bb7-a7bf-b59e80199e26"}]}