Why x402 PayMe

Your wallet is your account

Sign in with a wallet signature. No email, SMS or separate merchant account with Coinbase or another payment processor is required. Our current hosted sign-up does not ask for identity documents or a KYC verification step. A wallet provider, exchange or service you use to acquire USDC may have its own requirements. Wallet addresses and payment records are still processed by the service; public blockchain payments are not anonymous.

Receive USDC directly

Your customer pays the recipient wallet attached to the invoice. We do not hold your private keys or deduct our service fee from that transfer. Service charges use your prepaid credit balance. One invoice offers the supported networks, so the payer can choose where to pay. There is no mandatory subscription.

Small service fees, with the full cost visible

The configured confirmed-payment fee is 0.2%. Creating an invoice also costs credits according to its payment window. Check the pricing calculator for the current offer and the balance needed to cover open invoices.

Comparison checked September 25, 2026: at a credit price of 0.01 USDC and a 0.1% success fee, a successfully paid one-hour invoice costs:

• 10 USDC invoice: 0.02 USDC total service fees (0.2%).
• 100 USDC invoice: 0.11 USDC total service fees (0.11%).
• 1,000 USDC invoice: 1.01 USDC total service fees (0.101%).

For comparison, CoinGate publishes a standard 1% merchant processing fee. That is 1 USDC-equivalent on a 100 USDC-equivalent payment, compared with 0.11 USDC in the example above. This is a named benchmark, not a measured market average: supported assets, conversion, settlement and volume discounts differ.

These examples exclude network costs, renewals and optional paid features. Longer payment windows cost more to create. Creation credits are spent even if an invoice is never paid; the reserved success fee is released on expiry or cancellation. Very small invoices can have a higher effective rate: a 1 USDC invoice costs 0.011 USDC (1.1%) under these assumptions. Read Credits & pricing for reservation and rounding rules.

Start manually, automate when ready

Create payment links in the workspace, then integrate workspace-bound API keys, idempotent requests, signed payment webhooks and downloadable receipts. Use reports for reconciliation. Your application keeps its products and delivers goods after verified payment; we focus on payments.

Create your first invoice · Integrate the API · Confirm and deliver