Crypto payment gateway for platforms
Gateway turns Settlematic into a payment processor you can embed in your product. Onboard merchants, route checkouts, manage compliance workflows, and receive real-time webhooks — while merchants retain non-custodial treasury control.
Hosted · Embedded · iframe · QR checkout · Signed webhooks
Checkout modes
4
Hosted, embedded, iframe, and QR
Webhooks
Signed
HMAC-verified events with replay logs
Merchants
Multi
Onboard and operate from one dashboard
Networks
6
Ethereum, Polygon, BSC, Solana, Tron, and Bitcoin
Overview
What is Gateway?
Gateway turns Settlematic into a payment processor you can embed in your product. Onboard merchants, route checkouts, manage compliance workflows, and receive real-time webhooks — while merchants retain non-custodial treasury control.
Gateway is Settlematic's crypto payment gateway for platforms — create checkout sessions via API, onboard merchants, and receive signed webhooks while merchants retain non-custodial settlement.
Use hosted pages, iframe embeds, or redirect flows without building wallet infrastructure. Sandbox merchants on testnet mirror production before you go live.
Workflow
How Gateway works end to end
- 1
Onboard
Create merchant and configure assets/networks
- 2
Integrate
Create payment sessions via API
- 3
Checkout
Customer pays on hosted or embedded UI
- 4
Webhook
Your backend receives payment.confirmed events
- 5
Settle
Merchant treasury rules sweep funds on-chain
Capabilities
Everything in Gateway — explained
12 capabilities for operators, finance teams, and developers. Jump to a deep dive or explore the full module below.
Checkout
Hosted checkout — redirect and standalone pages
Drop-in payment pages without building crypto UI.
Redirect customers to a hosted checkout URL or share it directly. Same multi-chain detection, partial payment support, and branded experience as Collect — scoped to the merchant context with platform fee breakdowns in webhooks.
- Hosted checkout URL per session
- QR codes on hosted page for mobile wallets
- Multi-chain asset selection at checkout
- Partial and overpayment handling
- Branded logo and colors per merchant
Events
Signed webhooks & event logs
Automate order fulfillment when crypto lands.
Subscribe to payment.confirmed, payment.detected, refund, and merchant lifecycle events. Every delivery includes an HMAC-SHA256 signature; the dashboard shows payloads, HTTP status, retries, and timestamps so engineering and finance debug from one stream.
- HMAC-SHA256 signature on X-Settlematic-Signature header
- Event log with retry from dashboard
- payment.confirmed for provisioning and order mark-paid
- Idempotent event processing with delivery IDs
- Separate webhook endpoints per merchant
Settlement
Non-custodial merchant settlement
Platforms get webhooks; merchants keep custody.
Settlematic never pools merchant balances. Confirmed payments sweep to destinations merchants configure — cold storage, operating wallets, or multisig treasuries. Platforms receive fee breakdowns in webhooks for reconciliation without holding funds.
- Direct-to-wallet settlement on confirmation
- Per-merchant sweep destination configuration
- Multi-destination percentage splits
- Platform fee splits in webhook payloads
- No custodial balance or withdrawal queue
Why Gateway
Settlematic Gateway vs custodial payment processors
Platforms need programmatic checkout and webhooks without taking custody of merchant funds. Compare Gateway to typical custodial crypto processors.
| Settlematic Gateway | Typical custodial processor | |
|---|---|---|
| Merchant custody | Merchants control sweep destinations | Processor holds merchant balances |
| Checkout surfaces | Hosted, embed, iframe, and QR | Often hosted only |
| Webhooks | HMAC-signed with replay logs | Varies; often limited debugging |
| Partial payments | Built-in from Collect rails | Often unsupported |
| Sandbox | Full testnet merchants and sessions | Limited or production-only |
Need multi-merchant checkout? See crypto payment gateway, crypto payroll, and stablecoin treasury.
Use cases
Built for platforms that embed crypto checkout
SaaS platforms
Embed crypto checkout in your product with REST sessions, signed webhooks, and merchant dashboards — without custodial float.
Marketplaces
Onboard multiple merchants, route platform fees in webhooks, and let each seller configure non-custodial sweep destinations.
Agencies
Run separate merchant profiles per client brand while operating from one org-level compliance and reporting layer.
E-commerce
Map order IDs to checkout sessions, support partial payments, and reconcile gateway events against your cart system.
Platform
Gateway works across your stack
Collect
Crypto invoicing & payment links
Explore Crypto →
Gateway
Crypto payment gateway & hosted checkout
You're here
Payroll
Crypto & hybrid fiat payroll
Explore Crypto →
Treasury
Stablecoin treasury & reconciliation
Explore Stablecoin →
Start with Gateway
Create a free testnet account and explore the full module in minutes.