Where do my funds go?

Directly to your wallet. Smart contracts route every payment from customer to your wallet address. Zateway never holds, touches, or has access to your funds.

Which tokens and chains are supported?

USDT and USDC on Polygon, Solana, Base, BNB Chain, Arbitrum, and Optimism. Customers can pay from any compatible wallet including MetaMask, Phantom, and WalletConnect.

How fast is settlement?

Settlement happens as soon as the transaction is confirmed on-chain — typically seconds to a few minutes depending on the chain and network conditions. There is no batching, no holding period, no payout schedule.

What does Zateway charge?

1% flat fee per transaction, enforced by smart contract. No monthly fees, no setup costs, no withdrawal fees, no hidden charges.

Can the fee ever increase?

For payments processed through our on-chain router contracts, the 1% fee rate is immutable — it cannot be changed by anyone. For all payment paths, the fee rate is governed by our Terms of Service.

Is there a sandbox for testing?

Yes. Zateway includes a separate test mode with zate_test_* keys and sandbox-tagged sessions so you can exercise checkout and webhook flows on testnet without mixing them with live traffic.

Basic verification may be required for higher transaction volumes. You can sign up and explore the dashboard immediately, but KYC verification ensures full access to all features.

How do I integrate Zateway?

Three ways: no-code payment links from the dashboard, REST API for custom integrations, or hosted checkout pages. Shopify and WooCommerce plugins are coming soon. Most developers ship in under an hour.

What is the best alternative to Coinbase Commerce?

Zateway is a leading non-custodial alternative to Coinbase Commerce. It allows merchants to accept crypto directly to their own wallets without intermediary holding periods, custody risks, or arbitrary account suspensions.

Can I accept USDT and USDC payments without high gas fees?

Yes. Zateway supports 6 Layer-2 and high-performance blockchains including Polygon, Solana, Base, BNB Chain, Arbitrum, and Optimism, ensuring sub-cent transaction fees for stablecoin payments.

What is a non-custodial crypto payment gateway?

A non-custodial payment gateway routes customer payments directly to the merchant's own wallet. Unlike custodial solutions like Coinbase Commerce or BitPay, your funds are never held by a third party — reducing counterparty risk to zero.

Is Zateway a good Stripe alternative for crypto?

Yes. While Stripe handles fiat card payments at 2.9% + 30c per transaction, Zateway handles stablecoin payments at just 1% flat with zero chargebacks and direct on-chain settlement. Many merchants use both side-by-side.

How do I send a crypto invoice to my client?

From your Zateway dashboard, create a Payment Link with the invoice amount, description, and optional expiry date. Share the unique link with your client — they see a branded checkout page and can pay in USDT or USDC from any wallet.

Can I add crypto checkout to my Shopify or WooCommerce store?

Yes. Zateway offers hosted checkout flows plus plugins for Shopify and WooCommerce. Crypto checkout appears alongside your existing payment methods with no changes to your store's workflow.

Beginner · 15 minutes

How to Implement HMAC Verification

How to Implement HMAC Verification using Zateway — non-custodial USDT & USDC, 1% flat fee, instant on-chain settlement.

Step 1
Create your Zateway account
Sign up at zateway.com/signup. No credit card required to start.
Step 2
Connect a payout wallet
Add your self-custody wallet address. Funds settle directly here — Zateway never holds them.
Step 3
Choose integration method for Implement HMAC Verification
Use payment links, hosted checkout, plugins, or the REST API depending on your stack.
Step 4
Create a payment
Set amount, select USDT or USDC, pick a chain (Polygon/Solana/Base recommended), and generate checkout.
Step 5
Share or embed checkout
Send the link, show a QR, or redirect users to hosted checkout from your product flow.
Step 6
Confirm via webhook and fulfill
Verify HMAC signatures, wait for confirmed/settled status, then fulfill the order.

Benefits

1% flat fee vs 2.9%+ card pricing
Zero chargebacks with on-chain finality
Non-custodial direct-to-wallet settlement
Multi-chain: Polygon, Solana, Base, BSC, Arbitrum, Optimism
Sandbox keys for safe testing

Get Started Free

How to Implement HMAC Verification

Create your Zateway account

Connect a payout wallet

Choose integration method for Implement HMAC Verification

Create a payment

Share or embed checkout

Confirm via webhook and fulfill

Benefits

Explore more on Zateway