PayCrypt Pro

Project Overview

PayCrypt Pro is a payment gateway for merchants who want crypto at checkout without turning the finance team into part-time blockchain support. Shoppers can pay from a wallet; the merchant sees confirmations, settlement timing, and reporting in one place. You get settlement controls that match how you actually run the business: caps, schedules, and rules for when funds move, not a black box that surprises you on Monday morning. Multi-currency support is handled in the product sense: quote, convert, and settle in a way your accounting can follow. Integration is meant for production: REST and webhooks so plugins, headless shops, and custom backends can all plug in without reinventing custody or compliance basics.

Problem

A lot of merchants tried crypto by pasting a wallet address on a page. That looks edgy until someone pays the wrong chain, sends the wrong amount, or asks for a refund and nobody knows who owns what. Volatility scared finance more than engineering. Taking crypto directly meant the day's revenue could move 5% before it hit the bank, which is a hard sell next to cards. Integrations were the other wall. Each storefront stack wants a different shape: Shopify-style plugins, custom carts, mobile apps. Without a clean API and webhooks, every merchant became a one-off integration project. Risk and compliance were not optional. KYC for higher limits, basic AML patterns, and an audit trail for "who paid whom" had to exist before we could honestly pitch this to serious operators, not just crypto-native brands.

Solution

We built a Node-backed gateway service that owns the payment lifecycle: create a session, show a quote, accept a wallet payment, watch confirmations, and record settlement in Postgres so reporting is queryable. Where the product promises conversion to fiat or stable settlement, that path runs through controlled liquidity and pricing rules we can tune, not a manual trade desk for every checkout. Merchants integrate through documented APIs and webhook events for paid, underpaid, failed, and settled. That is enough for plugins and custom stacks without exposing private keys to the browser. KYC and AML hooks are first-class: tiered limits, screening checkpoints, and logging that holds up when someone asks questions later. Keys and hot wallet balances stay on the server side, with stricter separation for anything that should not sit online.

Technology Stack

BlockchainNode.jsAPISecurityPostgreSQL

Architecture

At the edge: public APIs and webhooks for merchants. No secrets in the front end; checkout pages call our backend, which talks to chain nodes and custody paths we control. Hot wallets hold only what we need for short-term flow; larger balances and policy-sensitive operations lean on cold storage patterns and operational procedures, not one shared password in a config file. PostgreSQL stores payments, merchant settings, settlement batches, and audit fields so support and finance can reconstruct a payment without grepping raw logs. Conversion and liquidity partners sit behind adapters so pricing and failure handling can change without rewriting checkout. When a payment clears, webhooks fire so the merchant's system can ship the order or unlock the account like any other gateway.

Results

• Zero chargebacks from crypto payments
• 24-hour settlement for verified merchants
• API adoption by 30+ e-commerce platforms