First-class
checkout for
underserved
businesses.
Customers pay with everyday payment platforms. The money goes straight to you. No processor in the middle.
How a payment works
Paid in seconds, not business days.
Open the link
Your checkout, a QR at the counter, or a Telegram link. The customer sees the amount and picks their app.
Pay in their own app
No account to create.
Verified by proof
A cryptographic proof marks the order paid. Never a screenshot.
You're paid
Directly to you. Refunds are yours to send.
Payment methods
Accept fiat or crypto from your customers.
Accept fiat
10
VenmoUSD
Cash AppUSD
X MoneyUSD
ZelleUSD
PayPal7 currencies
ChimeUSD
Revolut24 currencies
Wise31 currencies
MonzoGBP
N26EUR
Accept crypto
11
BTCBitcoin
ETH5 chains
USDT8 chains
USDC10 chains
PYUSD2 chains
SOL2 chains
BNBBNB Smart Chain
HYPEHyperliquid
WBTC5 chains
USDHHyperliquid
ZECZcash
- Bitcoin
Ethereum
Solana
Base
Optimism
BNB Smart Chain
Polygon
World Chain
Hyperliquid
Arc
Arbitrum- Zcash
Tron
Payouts
Pay out.
Fund a payout from the crypto you hold. The recipient signs in with their email and withdraws to the payment app they already use, or to a wallet in the token they want.
Fund it in crypto
Create a payout from the dashboard or the API, then send the token you hold. Peer Pay detects the deposit on its own.
They sign in with email
A one-time code signs them in. No wallet to set up, no seed phrase, no gas to buy.
They pick where it lands
Any payment app you turn on, or the token they want in a wallet of their own. They can switch before the payout starts.
Settled and on record
Webhooks and the dashboard follow every payout from funded to settled.
Pay out to fiat
6- VenmoUSD
- Cash AppUSD
- ZelleUSD
- PayPal7 currencies
- ChimeUSD
- Revolut24 currencies
Pay out to crypto
11For merchants
Peer never holds your money.
- Custody
Never Peer
Money moves straight from your customer to you.
- Verification
Under 15 seconds
The proof ties each payment to its order, so you never reconcile by hand.
- Reserves
None
No rolling reserve, no frozen payouts. Every dollar you settle is yours to spend.
- Customer data
No card data
Customers pay app to app. You never hold a card number or login, so there is nothing to secure or leak.
Integrations
One checkout, everywhere you sell.
Turn on the apps you accept. Quote in USD, EUR, GBP, and more.
WooCommerce
Plugin
Shopify
App
Checkout SDK
Code
Embedded checkout
Embed
Telegram bot
No code
Scan to Pay
QR
import { createCheckout } from '@zkp2p/pay-sdk';
const { checkoutUrl } = await createCheckout(
{
requestedUsdcAmount: '50.00',
successUrl: 'https://yoursite.com/success',
},
{
apiBaseUrl: 'https://api.pay.peer.xyz',
checkoutBaseUrl: 'https://pay.peer.xyz',
apiKey: process.env.ZKPAY_API_KEY,
},
);
// Send the customer to checkoutUrl.
// Release goods on ORDER_FULFILLED.Pricing
Pay per successful payment.
Crypto payments are 1% on both plans, with no chargebacks and no staked collateral, and crypto-only orders never count toward monthly caps. Fiat rails start at 2.95%.
Starter
No monthly fee and no setup costs. Go live from the dashboard the same day.
Base
Up to $10K fiat volume and 50 fiat orders per month
2.95% fiat / 1% crypto
- Every platform included; Venmo and PayPal require staking
- Verify payments with the Peer app or extension
- Instant settlement, merchant-funded refunds
ProRecommended
Up to $30K fiat volume and 100 fiat orders per month
4.95% fiat / 1% crypto
- Everything in Base
- Seller Autopilot: customers pay with no Peer app or extension
- Checkout branding and priority support
Concierge
Custom pricing, with our team running your checkout end to end.
- Unlimited volume and orders
- No staking and no lockups
- Negotiated rate or flat-fee invoicing
- Full integration support
- Named support in a dedicated group
- Custom embedded checkout and integrations
Sandbox is free. Fiat quotes show the software fee and the peer's rate before your customer pays.
Getting started
Go live the same day.
- 01Sign up with your email
- 02Test orders in sandbox
- 03Pick Base or Pro
- 04Go live