Introducing PayIn: Non-Custodial Stablecoin Payments

Today we’re launching PayIn, a non-custodial payment processor designed for the modern web.

Why Stablecoins?

Traditional payment processors charge 2.9% + $0.30 per transaction. Credit card fraud costs merchants billions annually. International transfers take days and cost a fortune.

Stablecoins solve all of these problems:

Low fees: Transaction costs are fractions of a cent
Instant settlement: Funds arrive in seconds, not days
Global by default: No borders, no currency conversion
No chargebacks: Blockchain transactions are final

Why Non-Custodial?

Most crypto payment processors work like this: you send them your crypto, they hold it, and eventually they pay you out. This creates counterparty risk and regulatory complexity.

PayIn is different. Funds go directly from your customer’s wallet to yours. We never touch your money. This means:

You control your keys: Your funds, your wallet, your rules
No withdrawal limits: Access your money anytime
Simplified compliance: No money transmission concerns

Multi-Chain Support

PayIn supports the chains where stablecoins actually live:

Ethereum: The OG smart contract platform
Polygon: Fast and cheap EVM transactions
Tron: Where most USDT volume happens
Solana: Blazing fast finality

Getting Started

Integration takes minutes:

npm install @payin/sdk

import { PayIn } from '@payin/sdk';

const payin = new PayIn({ apiKey: 'your-api-key' });

const order = await payin.createOrder({
  amount: '100.00',
  currency: 'USDT',
  chain: 'polygon',
});

Check out our documentation to get started.

What’s Next

This is just the beginning. We’re building:

AI-powered MCP integration for autonomous payments
HTTP 402 Payment Required support
More chains and tokens
Developer tools and SDKs