Accept crypto payments.
Keep the keys.
SkullPay is a non-custodial payment gateway. Payers send funds straight to addresses derived from your wallet — SkullPay never holds a coin, never touches a private key, and never takes a cut.
How a payment flows
Create an invoice
Your store (the WooCommerce plugin, or one POST /v1/invoices) asks for an
amount in your fiat currency and gets back a hosted pay link.
The payer picks coin and network
The checkout shows only pairs you have a wallet for, with live fee and time estimates. The rate locks, a fresh address is derived from your xpub, and a QR code appears.
Watchers confirm, webhooks fire
Chain watchers track the deposit through detection and confirmations, then deliver a
signed invoice.paid webhook with retries. The plugin completes the order.
Coins and networks
Live watchers ship for every network below. Enable the pairs you want; add your own RPC endpoints for production volume.
- USDT Tether USD
- USDC USD Coin
- BTC Bitcoin
- ETH Ethereum
- LTC Litecoin
- TRX TRON
- BNB BNB
- SOL Solana
- TON Toncoin
- POL Polygon
- AVAX Avalanche
- DAI Dai
- SHIB Shiba Inu
- LINK Chainlink
| Network | Assets | Confirmations | Typical time | Address model |
|---|---|---|---|---|
| Bitcoin | BTC | 1 | ~10 min | HD — fresh address per invoice from your xpub |
| Litecoin | LTC | 2 | ~5 min | HD — fresh address per invoice from your xpub |
| Ethereum | ETH · USDT, USDC, DAI, SHIB, LINK (ERC-20) | 12 | ~5 min | HD — fresh address per invoice from your xpub |
| BNB Smart Chain | BNB · USDT, USDC, DAI, SHIB, LINK (BEP-20) | 15 | ~2 min | HD — fresh address per invoice from your xpub |
| Polygon | POL · USDT, USDC, DAI (ERC-20) | 60 | ~3 min | HD — fresh address per invoice from your xpub |
| Arbitrum One | ETH · USDT, USDC, DAI, LINK (ERC-20) | 20 | ~2 min | HD — fresh address per invoice from your xpub |
| Avalanche C-Chain | AVAX · USDT, USDC (C-Chain) | 1 | ~1 min | HD — fresh address per invoice from your xpub |
| Base | ETH · USDC (ERC-20) | 20 | ~2 min | HD — fresh address per invoice from your xpub |
| TRON | TRX · USDT (TRC-20) | 19 | ~2 min | HD — fresh address per invoice from your xpub |
| Solana | SOL · USDT, USDC (SPL) | 1 | ~1 min | Static or pool address + memo / amount match |
| TON | TON · USDT (Jetton) | 1 | ~1 min | Static or pool address + memo / amount match |
Built for operators, not custodians
Your wallet, your addresses
Account-level xpub / zpub for Bitcoin, Litecoin, every EVM chain and TRON; static or pooled addresses with memo matching on Solana and TON. Private keys are rejected on input.
WooCommerce, blocks included
A thin WordPress plugin: classic and block checkout, order sync, admin invoice list, GDPR exporter and eraser, WP-CLI. Secrets sealed with libsodium.
Hosted checkout
A fast, brandable pay page with searchable pickers, QR codes, timers and optional WalletConnect — on your domain or ours.
Signed webhooks with retries
HMAC-signed events, timestamp tolerance, ten-step retry schedule, dead-letter queue, replay and inspection from the dashboard.
Exact money math
Decimal strings end to end, locked quotes with a configurable window, underpayment tolerance, late-payment grace and explicit terminal states.
Privacy by construction
Payer PII lives only in an AES-256-GCM vault with blind indexes and retention purge; webhooks and logs are PII-free. Every admin action lands in a hash-chained audit ledger.
Developers
One OpenAPI 3.1 surface for invoices, wallets, currencies, webhooks, privacy and audit. Idempotency keys on every mutation, RFC 9457 problem details on every error, a typed TypeScript SDK and a webhook verifier.
# Create an invoice; the response carries a pay_url for the checkout
curl -X POST https://api-staging.skullpay.co/v1/invoices \
-H "Authorization: Bearer sk_live_…" \
-H "Idempotency-Key: order-1001" \
-H "Content-Type: application/json" \
-d '{"amount":"26.00","currency":"USD","order_id":"1001"}'Pricing
SkullPay never touches your funds, so there is nothing to take a percentage of. Payers cover the network fee their wallet charges; you pay nothing to SkullPay.