What is Prepaid Credits?
Prepaid Credits explained for crypto payment merchants using Zateway.
Prepaid Credits 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 Prepaid Credits matters
Teams evaluating Prepaid Credits usually care about fee drag, settlement speed, and custody risk. Zateway removes intermediary holds so prepaid credits workflows settle on-chain.
Using Prepaid Credits with Zateway
Create a payment session or payment link, let customers pay in USDT/USDC, verify HMAC webhooks, then fulfill. This operationalizes Prepaid Credits 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 Prepaid Credits-related flows.