Documentation Index
Fetch the complete documentation index at: https://docs.swiftpay.finance/llms.txt
Use this file to discover all available pages before exploring further.
What is SwiftPay?
SwiftPay is a stablecoin payment infrastructure for businesses. When you create an invoice, SwiftPay derives a deterministic on-chain deposit address from your merchant salt and invoice index. Customers send funds directly to that address — SwiftPay never takes custody. Once payment is confirmed and AML-screened, the net amount (minus the protocol fee) is forwarded straight to your treasury wallet.How it works
Get started in minutes
Create your first invoice and receive a stablecoin payment end-to-end.
Key features
Smart Contract Invoices
Each invoice gets a deterministic ERC-20 forwarder address derived on-chain. Funds flow directly from payer to your treasury — SwiftPay never custodies assets.
Fee Structure
Per-token configurable rate with an optional ceiling. The protocol fee is pre-calculated at invoice creation from
amountExpected; overpayments are forwarded fee-free to your treasury.Multi-Chain, Consistent Address
The same deposit address works across all supported EVM chains (Ethereum, Polygon, and more). Addresses are derived deterministically from a per-merchant salt — no re-registration per chain.
Webhook System
Receive signed (HMAC-SHA256) event notifications with automatic retry up to 5 attempts. Rotate endpoint secrets any time without downtime.
Compliance Screening
Every inbound transaction is AML-screened automatically. Risk scores and flags are stored and surfaced in the dashboard so your compliance team stays informed.
x402 — HTTP 402 Payments
Protect any API endpoint with native stablecoin payment. Callers sign a USDC transfer and retry — SwiftPay verifies and settles on-chain. No checkout flow required.
Explore the docs
Quickstart
Up and running with your first invoice in under five minutes.
API Introduction
Authentication, API keys, base URLs, and error handling.
Invoices API
Create, retrieve, and list invoices and their transactions.
Webhooks
Subscribe to payment events and keep your systems in sync.
x402 Payments
Charge per API request using the HTTP 402 protocol — no invoices, no redirects.