FAQ
Cryptocurrency
Do I need a crypto wallet to receive stablecoin payments?
Yes. You’ll need to configure a settlement wallet address where payments will be sent. This can be any wallet you control that supports the stablecoins and networks you want to accept (e.g., USDC on Ethereum).
We recommend using a dedicated business wallet for easier accounting and reconciliation.
Exodus will act as an advisor to your business, helping you choose the best wallet for your needs.
Do my customers need a crypto wallet?
Yes, customers paying with stablecoins need a wallet to complete payments. They can use popular wallets like MetaMask, Phantom, Exodus, Grateful, or any wallet that supports the stablecoins and networks you accept. Customers don’t need to be crypto experts—they simply connect their wallet and approve the transaction.
Can I receive the money directly in a bank account?
Yes. If you choose to, Exodus can automatically convert stablecoins to fiat currency and withdraw to a bank account of your choice.
Payments & Subscriptions
Which stablecoins and networks are supported?
Currently supported stablecoins include USDC and USDT across multiple networks including Ethereum, Solana, Polygon, Arbitrum, Base, and Tron. Check the Overview for the full list of supported combinations.
How long do payments take to confirm?
Payment confirmation times depend on the blockchain network. Most payments confirm within seconds to a few minutes. You’ll receive a webhook notification once the payment is confirmed on-chain.
Can customers choose which stablecoin to pay with?
Yes. When customers are redirected to the hosted payment page, they can select their preferred stablecoin and network from the options you’ve enabled.
What happens if a subscription payment fails?
When a renewal payment fails, you’ll receive a subscription.past_due webhook event. You can use this to notify the customer, pause their access, or take other appropriate action. The subscription remains in a past due state until payment is resolved or the subscription is cancelled after three failed attemps.
Are there transaction fees?
Yes. Contact [email protected] for detailed pricing information based on your expected volume and use case.
How does foreign exchange work?
Since stablecoins like USDC and USDT are pegged to the US dollar, there’s no currency conversion when pricing in USD. If you price in other fiat currencies, the amount is converted to the USD-equivalent stablecoin value at the time of payment. This eliminates traditional FX fees and delays associated with international payments.
Are there chargebacks?
No. Stablecoin payments are final once confirmed on-chain. Unlike credit card payments, there’s no chargeback mechanism. This eliminates chargeback fraud and reduces payment disputes, though you should still have a clear refund policy for legitimate customer issues.
How do refunds work?
You initiate a refund via the Exodus Business dashboard, which records the refund and provides the customer’s wallet address. You then send the stablecoins from your settlement wallet to complete the refund.
If you need fully automated refunds without manual transfers, use two-step mode instead.
Two-Step Payments
What is two-step payment mode?
In two-step mode, customer payments are held securely instead of being sent directly to your settlement wallet. This enables you to capture funds to your wallet or refund them to the customer via the API using signed requests — without manual intervention.
What is a signing key?
A signing key is a cryptographic key-pair (separate from your API key) used to authorize fund movements. Your API key authenticates who you are; your signing key proves you authorized a specific capture or refund. See the Signed Requests guide for details.
How do I set up two-step payments?
- Generate a signing key-pair
- Send your public key to your account manager
- We configure your account for two-step payments
- Start creating checkouts or subscriptions with
payment_mode: "two_step"
Can I use both modes at the same time?
Yes. Payment mode is set per checkout or subscription. You can have some payments in direct mode and others in two-step mode.
Security & Compliance
How do I verify webhook authenticity?
Every webhook request includes an X-Signature header containing an HMAC-SHA256 signature. Verify this signature using your webhook secret to ensure the request came from our servers. See the Webhooks documentation for implementation details.
Is there a test mode?
Yes. Use your test API key (sk_test_...) to create test transactions on testnet networks. No real funds are transferred in test mode, allowing you to verify your integration before going live.
Which countries are supported?
The Payments API is available to businesses in most countries. However, certain jurisdictions may have restrictions. Contact [email protected] to confirm availability in your region.
Integration
How long does integration take?
Most developers can complete a basic integration in a few hours. The hosted payment pages handle the complex parts—wallet connections, transaction signing, and blockchain confirmations—so you only need to create payment sessions and handle webhooks.
