Non-custodial · On-chain splits

Crypto payments that never pass through us.

PayMeCheck is non-custodial payment-link technology. Each merchant gets a dedicated smart contract. When a customer pays, the split to merchant and platform fee happens automatically on-chain — we never hold, route, or control your funds.

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0%: Custody of your funds
1–5%: Transparent on-chain fee
6: Networks supported

Customer wallet

100 USDC

Merchant smart contract

pay()

Merchant

98 USDC

Fee

2 USDC

Executed in one transaction · Verifiable on-chain · Irreversible split logic

Core promise

We provide the technology. The blockchain moves the money.

PayMeCheck is software infrastructure — not a payment processor that holds balances. Funds flow directly from the payer's wallet through your smart contract to the final recipients.

No custody

We does not receive, store, or withdraw merchant or customer funds at any point.

Automatic splits

Every payment triggers an atomic on-chain split: merchant share and platform fee in a single transaction.

Your contract

Each merchant deploys a dedicated proxy contract. Fee rate is locked at deploy — fully verifiable on the explorer.

On-chain flow

One payment. Instant split. Zero intermediaries.

Customer wallet

100 USDC

Merchant smart contract

pay()

Merchant

98 USDC

Fee

2 USDC

Executed in one transaction · Verifiable on-chain · Irreversible split logic

How it works

From payment link to settled funds in three steps — no manual reconciliation.

Create a link

Set amount, token (USDC/USDT), and network. Share the link or QR code.

Customer pays

The payer connects their wallet and approves the transfer. Gas is paid by the customer.

Contract splits

The smart contract distributes funds instantly. Webhooks notify your backend.

Supported wallets

Your customers connect with the wallet they already use.

MetaMask

Browser extension

Coinbase Wallet

Extension or mobile app

WalletConnect

Mobile and 300+ compatible wallets

No extra app required beyond a supported wallet and stablecoins on the chosen network.

Built for merchants who need control

Enterprise-grade payment links without giving up ownership of your money.

Non-custodial by design

Your funds never sit in a PayMeCheck wallet. They move wallet → contract → destination.

1–5% transparent fee

Negotiated per merchant, locked in the contract at deploy. Every fee visible on-chain.

Multi-chain ready

Ethereum, Polygon, Base, Arbitrum, BNB Chain, and Optimism with USDC and USDT support.

Dedicated contract

One smart contract per merchant via EIP-1167 proxy — isolated, auditable, yours.

Webhooks & API

Real-time payment notifications with HMAC-signed webhooks and REST API.

High-risk businesses welcome

Mandatory merchant KYB before go-live — not an open door. We onboard regulated verticals such as gaming and adult content after compliance review. Pricing by integration complexity.

PayMeCheck vs traditional processors

Traditional PSP

PayMeCheck

Who holds the funds?

The processor's bank or wallet

Nobody — direct on-chain split

Settlement speed

Days to weeks

Seconds (block confirmation)

Fee transparency

Hidden in statements

100% on-chain, per transaction

Chargeback risk

High — reversible

None — crypto is final

Live on leading networks

Accept stablecoins where your customers already are.

Ethereum

Polygon

Base

Arbitrum

BNB Chain

Optimism

Supported tokens

USDC · USDT

EthereumPolygonBaseArbitrumBNB ChainOptimismUSDCUSDTNon-custodialOn-chain splits

Ready to accept crypto — without losing control?

Request access to the merchant panel and deploy your dedicated payment contract.

Get started Read the docs

PayMeCheck is a software product for non-custodial payment links and smart contract infrastructure. We are not a money transmitter, custodian, or financial institution. All fund movements occur on public blockchains via autonomous smart contracts.