Frequently Asked Questions

zkpay is a meticulously crafted decentralized payment infrastructure that operates natively at the blockchain level. We enable merchants to integrate seamless cryptocurrency transactions with unparalleled ease, eliminating the need for accounts, logins, or custodial oversight. Our advanced technology empowers businesses to process payments with the same permissionless integrity inherent to blockchain ecosystems.

Our infrastructure elegantly extends the blockchain’s capabilities, utilizing smart contracts to facilitate secure, direct peer-to-peer transactions. Through a suite of refined tools—APIs, SDKs, and tailored plugins—we manage the intricacies of blockchain interactions, delivering a streamlined experience for merchants without the burden of traditional account setups or onboarding complexities.

In contrast to conventional payment processors, zkpay offers a fully permissionless and non-custodial framework, requiring no account creation or KYC procedures. This transformative approach eliminates onboarding delays, reducing setup time from weeks to mere hours, while ensuring merchants retain absolute control over their transactions. zkpay operates as a foundational blockchain infrastructure rather than a traditional intermediary service.

Our permissionless architecture empowers merchants to integrate directly with our smart contracts using our robust SDKs and APIs—no accounts or approvals required. By simply incorporating our libraries and configuring preferences, merchants can begin accepting payments instantly, mirroring the blockchain’s open and frictionless design.

We currently prioritize EVM-compatible networks—including Ethereum, BNB Smart Chain, Arbitrum and Optimism—due to their widespread adoption and mature ecosystems. Our dedicated team is actively expanding support for additional chains and currencies with precision and speed.

zkpay supports all tokens on each integrated blockchain, from native assets to standardized token formats like ERC-20. On EVM-compatible networks, this means you can accept ETH, stablecoins like USDC and USDT, and even your own newly deployed tokens—if it exists on-chain, we support it. Our infrastructure is designed to accommodate the full spectrum of assets, empowering merchants with unmatched flexibility and token-agnostic integration.

zkpay harnesses smart contracts to deliver secure, programmable payment flows without the need for accounts or fund custody. This sophisticated approach enables features such as conditional payments, and on-chain verification—ensuring a decentralized experience underpinned by the blockchain’s inherent security and transparency.

Our permissionless architecture is fortified by the blockchain’s robust security model and meticulously audited smart contracts. All payment logic is executed transparently on-chain via immutable contracts, openly verifiable by all. We uphold the highest standards through formal verification, exhaustive testing, and open-source transparency, fostering trust through rigorous design rather than centralized controls.

Absolutely, zkpay is fully non-custodial. For each transaction, a dedicated smart contract is deployed—immutable and programmed solely to transfer funds to the merchant’s designated address upon completion. This ensures that neither zkpay nor any third party ever assumes control over customer funds throughout the payment process.

Our backend ensures (1) the uniqueness of payment addresses and (2) automated settlement. That said, you're free to handle everything yourself—our library lets you generate payment addresses and sweep funds independently, without ever touching our backend.

As a decentralized infrastructure akin to the blockchain itself, zkpay places compliance responsibility on individual merchants and their customers, in accordance with their respective jurisdictions. We provide a reliable technical foundation for transactions, yet we do not oversee or influence their purpose—leaving compliance obligations to the participants, as with any blockchain-based system.

No. zkpay does not enforce KYC or monitor transactions for compliance purposes. However, we do monitor on-chain activity to support display features—like showing transaction status to merchants and customers. We collect no user data and maintain our commitment to a permissionless, non-custodial infrastructure. Merchants needing compliance measures like KYC must implement them independently.

Merchants are encouraged to engage legal counsel with expertise in blockchain regulations pertinent to their jurisdictions. While zkpay imposes no compliance mandates, merchants may need to establish tailored processes based on their operational scope and regulatory landscape. Additional compliance solutions can be seamlessly integrated with our infrastructure as needed.

With no account creation or approval hurdles, merchants can deploy zkpay in hours rather than days or weeks. Our developer-centric design—complete with comprehensive documentation, pre-built code samples, and direct smart contract access—enables rapid, production-ready implementations without delays typically associated with onboarding.

Integration demands only a foundational understanding of blockchain principles and standard web development proficiency. Our platform abstracts much of the underlying complexity, supported by detailed documentation and practical examples. Even teams new to blockchain can confidently adopt zkpay with our step-by-step guides, ensuring a smooth and efficient onboarding experience.