Payment Gateway for Telegram Services

Add a USDT wallet to your project — with one npm install.#

If you're a developer, you don't need to build payment infrastructure from scratch.

Drop in the PAYchat SDK, and your app instantly supports:

• USDT wallets
• Payment links, QR codes, and escrow
• Status tracking
• Payouts & settlement

No blockchain knowledge required.

No wallet UX to design.

No payment logic to maintain.

You need 'payments', not 'transfers'.#

Receiving money through a regular wallet app? Your server has no idea it happened.

PAYchat notifies you via webhook the moment a payment completes. Order matching, status tracking, retries — all handled automatically.

PAYchat vs Existing Solutions#

Existing solutions charge a percentage of your revenue. PAYchat charges per API call.#

Send 10,000 USDT and pay $0.0005 — not $50.

Why PAYchat?#

These comparisons miss the point#

• "What's the fee?"
• "What's the TPS?"
• "How cheap is gas?"

The questions that actually matter#

• Can users pay without installing a wallet?
• Is payment → settlement → logging → retry all automatic?
• Can I do everything with a single API?
• Will I never have to deal with payment support tickets?

PAYchat answers Yes to all of them.#

Core Features#

Payment Links#

User pays with USDT → PAYchat handles it → you get a payment.completed webhook

QR Payments#

Fixed amount for POS, or variable amount with min/max for tip jars. Reusable or single-use.

Escrow#

Hold buyer funds until the seller delivers, then release — or cancel and refund the buyer in full. 1% fee on release.

Instant Payouts#

One API call deposits USDT directly into the user's PAYchat wallet. New users are auto-registered.

Self-Service Setup#

Register and go live in under 1 minute. No approval process.

Pricing#

Per-call cost#

Volume discount#

Your discount is based on your balance plus the combined balance of users you referred — 0% up to 100% at 2,000,000 USDT. Refer users and their balances count toward your tier.

Full tier table in the Documentation.

Get Started in 5 Minutes#

Step 1. Register as a Partner#

Select a plan on the Partner page in the mini app → API Key & Secret Key issued instantly

Step 2. Set Up Webhooks#

Partner page → Webhooks tab → enter your public HTTPS endpoint → click Test

Step 3. Start Using the API#

Create payment links, QR codes, escrows, and withdrawals

Official SDK#

npm install paychat-sdk

import PAYchatClient from 'paychat-sdk';

const client = new PAYchatClient('pk_your_api_key');

// Payment link
const payment = await client.createPayment({
  amount: 10,
  description: 'Limited Edition T-Shirt',
  metadata: { order_id: 'order_001' }
});

// QR payment — expiresHours is in HOURS
const qr = await client.createQRPayment({
  amount: 15,
  description: 'Coffee Shop Order',
  expiresHours: 1
});

// Escrow — minimum 1 USDT, 1% fee on release
const escrow = await client.createEscrow({
  amount: 100,
  buyerTelegramId: '123456789',
  sellerTelegramId: '987654321'
});

// Withdrawal
await client.createWithdrawal({
  telegramId: '123456789',
  amount: 5.00,
  memo: 'Reward payout'
});

📖 SDK on npm — https://www.npmjs.com/package/paychat-sdk

API Preview#

Base URL: https://paychat.info/api/partnerAuth: x-api-key: pk_your_api_key

Create a Payment Link#

POST /api/partner/payments

{
  "amount": 10.00,
  "description": "Product Name",
  "metadata": { "order_id": "order_001" },
  "idempotency_key": "order_001"
}

Returns payment.id — a 6-character link_id you use to check status.

Request a Withdrawal#

POST /api/partner/withdrawals

{
  "telegram_id": "123456789",
  "amount": 5.00,
  "memo": "Reward payout",
  "idempotency_key": "payout_5521"
}

Webhook Events#

Secured with HMAC-SHA256 signatures (X-PAYchat-Signature). Up to 5 attempts on failure: immediately → 1 min → 5 min → 30 min → 2 hours.

Deposits do not emit webhooks — poll GET /deposits/:id.

Minimum Amounts#

Supported Networks#

• TRON (TRC-20 USDT)
• TON

Start Now#

Free plan available · 5-minute setup · No blockchain knowledge required

Pay per API call, not per transaction volume · Instant settlement · Up to 100% fee discount

Questions → https://t.me/paychat_group

Start → https://t.me/paychat_aibot?start=partner