Portal Pay
U.CASH Payments · U.CASH Pay

Accept crypto and card payments, without giving up custody.

A non-custodial payment rail: every payment moves direct from buyer to your wallet. We detect it on-chain and notify you. Nothing in the middle.

Start accepting payments → See the docs
Non-custodial 30+ chains Cards via Stripe REST API + webhooks White-label Multi-store
What it is

Payment infrastructure for the open internet

U.CASH Pay is the non-custodial merchant payment rail for crypto and cards. You bring your own wallets and nodes; the platform reads the chain to detect each payment, marks it settled at the right confirmation depth, and notifies you. Built for merchants, AI agents, and multi-tenant platforms that want to accept cryptocurrency without entrusting funds to a third party.

How it works

From connect to settled, no custody in between

Connect your wallets

Add the wallet and node addresses you already control for each coin and chain. The platform never generates or stores your private keys.

Create a checkout

Spin up a hosted checkout, a payment link, an invoice, or an embeddable button. Configure which coins to accept, confirmation rules, and underpayment behavior.

Buyer pays your wallet direct

The buyer pays straight to your address on-chain. The payment is never routed through, or held by, the platform.

On-chain detection

U.CASH Pay reads the chain and matches the exact amount to your receive address. No client-side proof is required; the chain itself is the proof.

Settle at confirmation depth

A sale is marked settled once it reaches the required confirmations for that coin. There is no payout queue and no withdrawal to wait for.

Debit the fee, not the payment

The volume-tiered platform fee is debited from a prepaid credit balance, separate from the payment. It is never taken out of the transaction itself.

Notify via signed webhook

An HMAC-signed settlement webhook fires to your server, with idempotent operations and a transaction ledger you can verify and replay.

System architecture

Non-custodial, end to end

Funds move direct from buyer to the merchant wallet. The platform only creates the checkout, reads the chain to detect the payment, and notifies the merchant. It never holds funds or keys.

Merchant own wallets - xpubs, per-chain addresses own RPC nodes Buyer pays the merchant wallet direct, on-chain Buyer pays Merchant wallet (on-chain) the platform - never holds funds pay.u.cash platform detects, confirms, notifies - never holds funds or keys Createcheckout / /id / API Detectreads chain, exact match Settleper-coin confirmations WebhookHMAC, idempotent Ledgerfull audit trail multi-tenant: per-DB isolation st_ cloud-token / api-key SSO via portal.u.cash agents / x402 door feeds the same crediting spine /checkout/{enc} /id/{enc} POST /api.php create-transaction reads RPC nodes Blockchains: BTC - ETH - Base - Polygon - Solana - USDC - UCASH - +30 more Fee from prepaid credit debited on settlement - never taken from the payment
Pricing & custody

Volume-tiered fees, debited from credit

A small percentage of monthly volume that drops as you grow. The fee comes from a prepaid balance, never from the payment itself. Funds always settle direct to your wallet.

Volume / month
Platform fee
What you get
Starter
$0 - $99.99
0.50%
No setup or subscription; fee drops as you grow
Growth
$100 - $999.99
0.45% - 0.35%
Mid-volume, auto-drops at each tier crossing
Scale
$1,000 - $4,999.99
0.30% - 0.25%
High-volume pricing with cumulative unlocks
Enterprise
$5,000+
0.20%
Lowest rate, further reduced by UCASH holding discount
Full fleet pricing →

Accepted coins and rails

Bitcoin + Lightning Ethereum + ERC-20 USDT / USDC Solana Tron XRP Monero Litecoin Base / Arbitrum / Optimism Linea / Mantle / Berachain / Monad Custom tokens Cards via Stripe Gemini / Coinbase / Verifone / PayPal
Capabilities

What U.CASH Pay can do

Non-custodial by design

Funds move direct buyer to seller. The platform never holds the payment or your keys: you stay in control, end to end.

30+ coins across 35 networks

Bitcoin and Lightning, Ethereum and every ERC-20, USDT and USDC, Solana, Tron, XRP, Monero, Litecoin, UCASH, and custom tokens.

Hosted checkouts and links

Spin up a hosted checkout, an encrypted payment link, an invoice, or an embeddable button. Collect exactly the customer details you need.

REST API + signed webhooks

API-key auth, idempotent operations, HMAC-signed settlement webhooks you can verify and replay, and a full transaction ledger.

White-label and branded domains

Run the checkout under your own domain with your brand name, logo, colors, and custom CSS. Self-sovereign by default.

Multi-tenant SaaS

Host many merchants under one install with MySQL-enforced per-tenant isolation, a reseller console, and Cloudflare for SaaS custom domains.

Agent payments over HTTP-402

Built on the 402 Online Protocol: AI agents are first-class merchants that price resources, get paid to their own wallet, and settle over plain HTTP.

Payout-info requests

A merchant-mediated flow: request a payee's wallet or PayPal via a no-login form, settle the cash side in person, then mark it complete.

125+ plugins and SDKs

WooCommerce, Shopify, Magento 2, WordPress, and more, plus JS, Python, Vercel AI, and Unity SDKs, all sharing one integration model.

How it fits in U.CASH

U.CASH Pay and the rest of the network

Pay is the settlement rail underneath the U.CASH apps. One account, signed in through the portal, ties every app to the same wallets and ledger.

U.CASH PAY settlement rail PortalPORTALSSO + account AgentsAGENTS402 backend POSPOSin-person terminal ShopSHOPstorefront SwapSWAPauto-convert UnaUNAassistant NamesNAMESaddress resolution LandersLANDERSbranded landers
  • Portal - one U Account via SSO, with single sign-out across apps
  • Agents - the payment door for HTTP-402 / UCP agent requests
  • POS - the in-person terminal settles sales through Pay
  • Shop - the hosted storefront and builder render Pay checkouts
  • Swap - exchange keys can auto-convert settled crypto to stablecoin
  • Una - the assistant reads Pay settings and proposes changes
  • Names - ENS, Unstoppable, and FIO names resolve at the payout form
  • Landers - a checkout can publish as its own branded lander
FAQ

Questions, answered

What does "non-custodial" mean?
We never hold your funds or your keys. A payment travels direct from the buyer to your own wallet on the blockchain. U.CASH Pay reads the chain to detect the payment and notifies you. Because we never custody funds, your money stays in your wallets, end to end.
Which coins and chains are supported?
Bitcoin and Lightning, Ethereum and every ERC-20, USDT and USDC across their networks, Solana, Tron, XRP, Monero, Litecoin, UCASH, and any custom token you add (ERC-20 / TRC-20 / SPL style). Card payments are also supported through your own Stripe account.
How do fees work?
The platform fee is a small percentage of your monthly volume, tiered so it drops as you process more (0.50% down to 0.20%). It is debited from a prepaid credit balance when a sale settles and is never taken out of the payment itself.
How and when do I get paid?
Immediately in principle: the buyer pays your wallet directly on-chain. A sale is marked settled once the payment reaches the required confirmations for that coin. There is no payout queue and no withdrawal to wait for.
Can I use my own domain and branding?
Yes. Run the checkout under your own domain, set your brand name, logo, and colors, add custom CSS, and configure which customer details to collect. These unlock through cumulative funding tiers.
What about AI agents?
AI agents are first-class merchants. They can create priced resources, receive payment to their own wallet, and buy other resources over plain HTTP using the 402 Online Protocol, with API keys, idempotent calls, HMAC-signed webhooks, and an MCP tool surface.
Who holds my funds?
You do. Every payment travels direct from buyer to seller on-chain, wallet to wallet: the platform detects and confirms payments and never touches the funds. As with any payments integration, you remain responsible for your own regulatory compliance.
How is my account secured?
Settings are stored encrypted, settlement webhooks are HMAC-signed so you can verify them, URL inputs are checked for unsafe redirects, and your private keys never leave your control. Each tenant connects with its own limited database user, so isolation is enforced by the database itself.

Start accepting crypto and cards

Set up a checkout in minutes. Funds settle straight to wallets you control, across 30+ chains.

Open U.CASH Pay → Explore the apps