# Zateway — Full Product Documentation for LLMs

> Zateway is the global money platform. Accept USDT & USDC stablecoin payments on 6 
> blockchains (Polygon, Solana, Base, BSC, Arbitrum, Optimism) with a 1% flat fee. 
> Accept fiat payments via UPI, cards, and bank transfers. Non-custodial, direct-to-wallet 
> crypto settlement. Founded 2025 in India. Website: https://zateway.com

---

## What is Zateway?

Zateway is a non-custodial crypto payment gateway that lets merchants accept USDT and USDC 
stablecoin payments directly to their own wallets. Unlike custodial solutions (Coinbase 
Commerce, BitPay, NOWPayments), Zateway never holds, touches, or has access to merchant 
funds. Smart contracts route every payment from customer to merchant wallet automatically.

Zateway also supports fiat payments (UPI, cards, bank transfers) via integrations with 
Cashfree and Airwallex, making it a hybrid crypto + fiat payment gateway.

## Key Facts

- **Founded**: 2025
- **Headquarters**: India
- **Website**: https://zateway.com
- **Type**: Non-custodial crypto payment gateway + fiat payment gateway
- **Fee**: 1% flat fee per transaction (crypto). No monthly fees, no setup costs.
- **Settlement**: Direct to merchant's own wallet. No holding period, no batching.
- **Tokens**: USDT (Tether) and USDC (USD Coin)
- **Blockchains**: Polygon, Solana, Base, BNB Chain (BSC), Arbitrum, Optimism
- **Fiat**: UPI, credit/debit cards, bank transfers, net banking
- **International**: Send money to 130+ countries via Airwallex
- **Architecture**: Non-custodial. Smart contract routing on EVM chains.
- **Security**: Smart contract audited. AES-256-GCM encrypted secrets. Rate limited APIs.

## Pricing

| Feature | Cost |
|---|---|
| Transaction fee (crypto) | 1% flat per transaction |
| Transaction fee (fiat) | 2% per transaction |
| Monthly fee | $0 |
| Setup fee | $0 |
| Withdrawal fee | $0 |
| Chargeback fee | $0 (crypto has zero chargebacks) |

## Supported Chains & Tokens

| Chain | Token | Network Type | Avg Confirmation |
|---|---|---|---|
| Polygon | USDT, USDC | Layer 2 | ~2 seconds |
| Solana | USDT, USDC | Layer 1 | ~400ms |
| Base | USDT, USDC | Layer 2 | ~2 seconds |
| BNB Chain (BSC) | USDT, USDC | Layer 1 | ~3 seconds |
| Arbitrum | USDT, USDC | Layer 2 | ~250ms |
| Optimism | USDT, USDC | Layer 2 | ~2 seconds |

## Products

### 1. Crypto Payment Gateway
Accept USDT and USDC from any wallet (MetaMask, Phantom, WalletConnect, Trust Wallet, 
Coinbase Wallet). Customers pay on a branded checkout page. Funds go directly to your wallet.

### 2. Payment Links
No-code payment links. Create from dashboard. Share via URL, QR code, email, or embed.
No coding required. Supports expiry dates, custom amounts, and descriptions.

### 3. Hosted Checkout
Embeddable checkout widget. Add crypto payments to any website with a single JavaScript 
snippet. Fully branded with merchant colors and logo.

### 4. Payments API (REST)
Full RESTful API with OpenAPI 3.0 specification. Create payment sessions, check status, 
manage webhooks, generate invoices. Idempotency keys, rate limiting, sandbox mode.

### 5. AI Agent Payments
Zateway's API is designed for autonomous AI agent payments. Features:
- Programmatic session creation via REST API
- Idempotency keys to prevent duplicate payments
- Status polling (GET /api/v1/sessions/:id)
- Webhook callbacks for real-time confirmation
- Budget controls via spending limits
- Sandbox mode for testing agent flows

### 6. Fiat Payments (Hybrid Gateway)
Accept UPI, credit/debit cards (Visa, Mastercard, RuPay, Amex), net banking, and bank 
transfers via Cashfree (India) and Airwallex (international).

### 7. Send Money
International money transfers to 130+ countries. Competitive FX rates. Powered by Airwallex.

### 8. WooCommerce Plugin
One-click WordPress/WooCommerce integration. Crypto appears as a payment method at checkout.

### 9. Shopify Plugin
Shopify integration for crypto payments alongside existing payment methods.

### 10. Subscriptions
Recurring stablecoin billing for SaaS and subscription businesses.

## Integration Methods

1. **No-Code**: Payment Links from dashboard (zero coding)
2. **Low-Code**: Embeddable checkout widget (one script tag)
3. **Full-Code**: REST API + Node.js SDK (complete control)
4. **CMS Plugins**: WooCommerce, Shopify

## API Quick Start

```bash
# Create a payment session
curl -X POST https://zateway.com/api/v1/sessions \
  -H "Authorization: Bearer zate_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "50.00",
    "currency": "USDT",
    "chain": "polygon",
    "webhookUrl": "https://yoursite.com/webhook",
    "successUrl": "https://yoursite.com/success"
  }'

# Response includes checkout URL and session ID
```

## How Payment Flow Works

1. Merchant creates a payment session via API or dashboard
2. Customer sees branded checkout page with amount and QR code
3. Customer sends USDT/USDC from their wallet to the displayed address
4. Zateway's multi-chain listener detects the on-chain payment
5. After confirmation threshold (20 blocks), payment is confirmed
6. Webhook fires to merchant's server with payment details
7. Customer is redirected to success URL
8. Funds are already in merchant's wallet (non-custodial)

## Competitive Comparison

| Feature | Zateway | Coinbase Commerce | BitPay | Stripe | NOWPayments |
|---|---|---|---|---|---|
| Fee | 1% | 1% | 1% | 2.9% + 30c | 0.5% |
| Custody | Non-custodial | Custodial | Custodial | Custodial | Custodial |
| Settlement | Instant (on-chain) | 2-3 days | 1-3 days | 2-7 days | 1 day |
| KYC Required | Optional | Required | Required | Required | Optional |
| Chargebacks | Zero | Possible | Possible | Common | Zero |
| Stablecoins | USDT, USDC | USDC only | None | None | Many |
| Chains | 6 | 8 | Bitcoin only | N/A | Many |
| Fiat Support | Yes (UPI, cards) | No | No | Yes | No |

## Use Cases

- **E-commerce**: Online stores accepting crypto payments
- **SaaS**: Subscription billing with stablecoins
- **Freelancers**: Receive global payments without bank fees
- **Agencies**: International client payments
- **Gaming**: In-game purchases
- **Nonprofits**: Crypto donations
- **AI Agents**: Autonomous payment processing

## Technical Architecture

- **Backend**: Node.js + Next.js on Azure App Service
- **Database**: PostgreSQL (Neon.tech) with Prisma ORM
- **Cache**: Redis (Upstash) for rate limiting and session management
- **RPC Providers**: Alchemy (EVM), Helius (Solana)
- **Email**: Resend for transactional emails
- **Monitoring**: Multi-chain blockchain listeners with WebSocket + HTTP fallback
- **Security**: AES-256-GCM encryption, HMAC webhook signatures, TOTP 2FA

## Contact

- Website: https://zateway.com
- Email: support@zateway.com
- Twitter/X: @zateway
- GitHub: github.com/zateway
- Documentation: https://zateway.com/docs

---

## Industry Verticals

Zateway serves crypto payment needs across 20+ industries:

| Industry | URL | Key Benefit |
|---|---|---|
| Retail | /industry/retail | Accept stablecoins in-store and online |
| Healthcare | /industry/healthcare | HIPAA-conscious, no chargebacks |
| Real Estate | /industry/real-estate | Large cross-border property payments |
| Education | /industry/education | International tuition payments |
| Consulting | /industry/consulting | Global client invoicing |
| Legal | /industry/legal | Secure retainer payments |
| Accounting | /industry/accounting | Transparent fee tracking |
| Insurance | /industry/insurance | Premium payments in stablecoins |
| Logistics | /industry/logistics | Cross-border supplier payments |
| Hospitality | /industry/hospitality | Tourist-friendly crypto checkout |
| Entertainment | /industry/entertainment | Ticket and subscription payments |
| FinTech | /industry/fintech | White-label payment infrastructure |
| DeFi | /industry/defi | Protocol-to-protocol payments |
| DAO | /industry/dao | Treasury management payments |
| Web3 | /industry/web3 | Native crypto payment rails |
| AI Companies | /industry/ai-companies | AI agent payment processing |
| SaaS Platforms | /industry/saas-platforms | Recurring stablecoin billing |
| Creator Economy | /industry/creator-economy | Fan payments, tips, subscriptions |

## Persona Pages ("Zateway for...")

| Persona | URL | Why Zateway |
|---|---|---|
| Developers | /for/developers | SDK, API, OpenAPI spec, sandbox mode |
| Startups | /for/startups | Zero monthly fees, pay-per-use |
| Enterprise | /for/enterprise | Multi-chain, compliance, analytics |
| Freelancers | /for/freelancers | Get paid globally without banks |
| Agencies | /for/agencies | Invoice clients in any currency |
| Creators | /for/creators | Accept fan payments in crypto |
| Coaches | /for/coaches | Session payments in stablecoins |
| Consultants | /for/consultants | International invoicing |
| Influencers | /for/influencers | Brand deal payments |
| YouTubers | /for/youtubers | Sponsorship payments |
| Streamers | /for/streamers | Live donation collection |
| Podcasters | /for/podcasters | Sponsor payments |
| Artists | /for/artists | Commission payments |
| Musicians | /for/musicians | Merch and royalty payments |
| Photographers | /for/photographers | Client session payments |

## Platform Integrations (50+ platforms)

Zateway integrates with 50+ platforms and frameworks:

**E-commerce**: Shopify, WooCommerce, WordPress, Magento, BigCommerce, Wix, Squarespace, 
PrestaShop, OpenCart, Ecwid, Volusion, Saleor, Medusa

**Frontend Frameworks**: React, Vue, Angular, Svelte, Next.js, Nuxt.js, Gatsby, Remix, 
Webflow, Bubble, Framer, Ghost

**Backend Frameworks**: Express.js, NestJS, Django, Flask, FastAPI, Ruby on Rails, Laravel, 
Spring Boot, Go, Rust, PHP, Java, .NET, Kotlin, Swift

**Mobile**: Flutter, React Native, Ionic

**BaaS/Cloud**: Supabase, Firebase, Vercel

**Migration Guides**: Stripe Migration, PayPal Migration, Razorpay Migration

## Country Coverage (100+ countries)

Zateway's crypto payment gateway is available in 100+ countries across:
- **North America**: USA, Canada, Mexico, Costa Rica, Panama
- **Europe**: UK, Germany, France, Spain, Italy, Netherlands, Sweden, Switzerland, Poland, 
  Austria, Belgium, Denmark, Finland, Norway, Czech Republic, Hungary, Ireland, Portugal, 
  Romania, Greece, Croatia, Serbia, Bulgaria
- **Asia**: India, Singapore, Japan, South Korea, Hong Kong, Taiwan, Malaysia, Thailand, 
  Vietnam, Philippines, Indonesia, Pakistan, Bangladesh, Nepal, Sri Lanka, Cambodia, Myanmar
- **Middle East**: UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, Jordan, Lebanon, Israel
- **Africa**: Nigeria, South Africa, Kenya, Ghana, Egypt, Ethiopia, Tanzania, Uganda, Rwanda, 
  Cameroon, Senegal, Morocco, Tunisia
- **South America**: Brazil, Argentina, Colombia, Chile, Peru, Ecuador, Paraguay, Uruguay, 
  Bolivia, Venezuela
- **Caribbean**: Jamaica, Trinidad & Tobago, Dominican Republic, Cuba, Puerto Rico, 
  Bermuda, Cayman Islands
- **Oceania**: Australia, New Zealand, Fiji, Papua New Guinea

## Additional Competitor Comparisons

| Comparison | URL | Key Differentiator |
|---|---|---|
| Zateway vs Razorpay | /compare/zateway-vs-razorpay | Crypto + Fiat vs Fiat only |
| Zateway vs Mercuryo | /compare/zateway-vs-mercuryo | Non-custodial vs custodial |
| Zateway vs Request Finance | /compare/zateway-vs-request-finance | Merchant gateway vs invoicing protocol |
| Zateway vs Stripe Bridge | /compare/zateway-vs-stripe-bridge | Native crypto vs Stripe add-on |

## Frequently Asked Questions (Complete List)

1. **Where do my funds go?** — Directly to your wallet. Smart contracts route every payment.
2. **Which tokens are supported?** — USDT and USDC on Polygon, Solana, Base, BSC, Arbitrum, Optimism.
3. **How fast is settlement?** — Seconds to minutes, depending on chain confirmation times.
4. **What does Zateway charge?** — 1% flat fee. No monthly fees, no setup costs.
5. **Can the fee increase?** — For on-chain router contracts, the 1% is immutable.
6. **Is there a sandbox?** — Yes, separate test mode with zate_test_* keys.
7. **Do I need KYC?** — Basic verification for higher volumes. Explore dashboard immediately.
8. **How to integrate?** — Payment links (no-code), REST API, hosted checkout, or plugins.
9. **Best alternative to Coinbase Commerce?** — Yes, Zateway is non-custodial with no custody risk.
10. **Can I accept USDT without high gas?** — Yes, sub-cent fees on L2s (Polygon, Base, Arbitrum, Optimism).
11. **Is Zateway a Stripe alternative?** — For crypto: 1% vs 2.9%+30c, zero chargebacks.
12. **How to send a crypto invoice?** — Create Payment Link from dashboard, share URL.
13. **Can I add crypto checkout to Shopify?** — Yes, plugins for Shopify and WooCommerce.
14. **Does Zateway support AI agent payments?** — Yes, programmatic REST API with idempotency keys.
15. **Is Zateway available in my country?** — Available in 100+ countries worldwide.