What is P2p Settlement?
P2p Settlement explained for crypto payment merchants using Zateway.
P2p Settlement is an important payments concept. Zateway helps merchants apply it with non-custodial USDT/USDC checkout on Polygon, Solana, Base, BSC, Arbitrum, Optimism, 1% flat fees, and direct-to-wallet settlement.
Why P2p Settlement matters
Teams evaluating P2p Settlement usually care about fee drag, settlement speed, and custody risk. Zateway removes intermediary holds so p2p settlement workflows settle on-chain.
Using P2p Settlement with Zateway
Create a payment session or payment link, let customers pay in USDT/USDC, verify HMAC webhooks, then fulfill. This operationalizes P2p Settlement without taking custody of merchant funds.
Implementation checklist
Use sandbox keys first, pick low-fee chains (Polygon/Solana/Base), store tx hashes for audit, and monitor confirmed vs settled states for P2p Settlement-related flows.