Multi-chain crypto payments
Accept USDT and other cryptocurrencies through an API or a hosted checkout. Each order gets a receiving address and an exact amount of crypto to pay; after the payer sends it, the platform confirms the transfer on chain and pushes a signed result to your callback URL. Use addresses held by the platform, or import addresses whose private keys you hold yourself.
Two ways to hold addresses
One account can use both kinds of address. They differ in who holds the private key, where the money goes first and when the fee is charged.
- Private key: Platform custody: Generated and stored encrypted by the platform; Self-custody: Kept by you; the platform does not store it
- Where the money goes: Platform custody: To the receiving address first, then into your withdrawable assets once swept to the platform; Self-custody: Straight to your address; the platform does not sweep it
- Fee: Platform custody: Deducted from the swept amount at sweep time; Self-custody: Deducted from your account balance when each order is paid
- Using the money: Platform custody: Withdraw to an external address, or transfer to your account balance; Self-custody: It is in your own wallet; move it whenever you like
- Getting addresses: Platform custody: Claim them from the platform address pool in the console, or turn on automatic allocation; Self-custody: Import them in the console and sign a verification message with each address's wallet to prove it is yours; up to 100 per chain
- Keep in mind: Platform custody: Funds must be swept before withdrawal, and each token has a minimum withdrawal; Self-custody: Only chains marked as importable in the chains table are supported; while your account balance is below 0, these addresses take no new orders
Features
- Order API: Your server sends your order ID, the amount, the pricing currency and the token, and gets back a receiving address, the crypto amount, a QR code and a payment page link. Orders can be queried and closed. An order lasts 20 minutes by default and up to 7 days.
- Many orders on one address: When one address has several unpaid orders at once, the platform adjusts the last digits of each crypto amount so they all differ, and matches each payment by its amount. The range and direction of the adjustment can be set in the console.
- Fixed one-to-one addresses: Bind a fixed receiving address to each user in your system. Whenever that user sends money to it, a paid order is created automatically and a callback is sent. Suited to account top-ups.
- Checkout: Every order comes with a ready-made payment page. You can also open a checkout link of your own where payers enter the amount themselves, with no code needed. The brand name, logo, theme color and amount range can be customized.
- Priced in fiat: Orders can be priced in USD, EUR, CNY, JPY and other fiat currencies, and the platform works out the crypto amount at the live exchange rate. Rates refresh about every 5 minutes, and no order is created when a rate cannot be obtained.
- Signed callbacks with retries: Once a payment arrives, the order result is pushed to your callback URL, signed with HMAC-SHA256; a 2xx response counts as delivered. Failed pushes are retried after 30 seconds, 1 minute, 2 minutes, 5 minutes and then every 10 minutes, up to 10 times, and every push can be looked up in the console.
- Sweeping and withdrawals: Crypto on platform-custody addresses can be swept automatically above a threshold you set, or swept by hand. After a sweep, withdraw in the console, withdraw through the open API, or transfer to your account balance.
- SDKs and MCP: Open-source SDKs for PHP, Node.js, Python and Go, including callback signature verification. AI clients can also look up orders, apps, addresses and push records through MCP.
Getting started
- Sign up and open the payments console: A Tovanix account is all you need. There is no separate application and no company documents to submit.
- Create an app: Get the app_id, app_key and callback signing secret, and fill in your callback URL. If you need fixed addresses, turn on one-to-one mode in the app.
- Prepare receiving addresses: Claim platform-custody addresses from the address pool, or import your own addresses and verify them with a signature.
- Create orders or share a checkout: Your server calls the create-order endpoint and gives the payer the payment page or receiving address it returns. Without writing code, you can simply send your checkout link.
- Handle callbacks and use the funds: Verify the signature of each callback, then deliver or credit your user. Funds on platform-custody addresses can be withdrawn or moved to your account balance after sweeping.
Rules
- Order amounts are priced in fiat with at most two decimals; without currency, the order is priced in Chinese yuan (CNY).
- An order lasts 20 minutes by default and can be set with the timeout parameter for up to 7 days; unpaid orders are closed automatically when they expire.
- A payment succeeds, and the callback is sent, only after it reaches the number of confirmations shown in the chains table.
- A 2xx response to a callback counts as delivered, and failed pushes are retried up to 10 times. Handle callbacks idempotently by out_order_id, because one order may be pushed more than once.
- Self-custody addresses are charged from your account balance on every payment; while the balance is below 0 they take no new orders, existing orders are not affected, and they resume once the balance is topped up.
- Only swept funds in your withdrawable assets can be withdrawn, and each token has a minimum withdrawal. If risk control asks an account to verify its identity, it cannot withdraw until verification is done.
Chains & tokens
| Chain | Tokens | Confirmations before credit | Self-custody addresses |
|---|---|---|---|
| TRON | TRX / USDT | 19 blocks | Can be imported |
When the platform opens a new chain it appears here automatically. Chains not listed cannot be used for payments yet.
Fees
- Platform-custody addresses: 0.5% and up
- Self-custody addresses: 1.5% (Minimum $0.01 per order)
- Transfer to account balance: Free
| Swept this month | Rate |
|---|---|
| $0 – $1,000 | 1.5% |
| $1,000 – $2,000 | 1.2% |
| $2,000 – $5,000 | 0.8% |
| $5,000 and above | 0.5% |
Minimum fee per sweep: 0.5 TRX (TRON), 1 USDT (TRON)
| Token | Fee | Minimum withdrawal |
|---|---|---|
| TRX (TRON) | 1 TRX | 3 TRX |
| USDT (TRON) | 1.5 USDT | 3 USDT |
These are the standard fees. If your account has its own rate, the rate shown in the console applies. Rates and minimum fees are set by the platform and this page updates automatically.
Frequently Asked Questions
Which coins can I accept right now?
Whatever the chains & tokens table on this page lists: those are the chains and tokens you can create orders for at this moment. New chains appear in the table automatically once the platform opens them; chains that are not listed cannot be used yet.
Platform custody or self-custody?
Choose platform custody if you do not want to manage private keys and need withdrawals or transfers to your account balance. Choose self-custody if you want the money to go straight into your own wallet without the platform touching it. Self-custody only works on chains marked as importable in the table, and its fees come out of your account balance, so keep the balance at 0 or above. Both kinds of address can be used in the same account.
How exactly is the fee calculated?
Platform custody: each sweep is charged the higher of the swept amount times this month's tier rate and the token's minimum fee per sweep, and the rest goes into your withdrawable assets. This month's tier depends on how much you have swept so far this month and resets next month. Self-custody: each paid order is charged the crypto amount times the rate, converted to USD and deducted from your account balance, with a minimum per order. The rates and minimum fees are listed under Fees on this page.
Do I need identity verification or a company?
You do not need to submit identity or company documents to start; you can create an app right after signing up. If risk control considers an account risky, it may be asked to complete identity verification, and it cannot withdraw until that is done.
Who pays the network fee?
The payer pays the network fee for their own transfer. Network fees for sweeping platform-custody addresses are paid by the platform and are not charged to you.
How do I verify a callback?
Compute HMAC-SHA256 over the callback parameters with the app's callback signing secret (or the app_key if no secret is set), the same way requests are signed, and compare it with sign. Callbacks carry notify_id, sign_ts and nonce for replay protection, and the SDKs include a ready-made verification method.
Can I accept payments without writing code?
Yes. Open a checkout in the console and send the link to payers, who enter the amount and pay. Payments are listed under checkout orders in the console.
How do I get the money out?
Platform custody: after sweeping, the funds are in your withdrawable assets; withdraw to an external address in the console (a fixed fee per token), withdraw through the open API, or transfer to your account balance. Self-custody: the money is already in your own wallet and the platform never touches it.
Related pages: TRON Energy Rental · Verification & Transaction Risk · Virtual cards · API Documentation · Using multi-chain payments
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