Process

How it works

From customer payment to your wallet — transparent, non-custodial settlement

Live settlement flow

Non-custodial

Card authorized

Customer pays in fiat

Convert & route

Net funds become USDC

Your wallet

Funds under your control

Settlement path verified0x7f3b…9c21 · Complete

Settlement Timeline

Typical example durations for illustrative purposes. Actual timing varies by network, card processor, and transaction details.

~ instant

Customer Pays with Card

Customer completes checkout using credit/debit card. Standard payment gateway authorization.

1-3 business days

Card Transaction Clears

Payment clears through card network (Visa, Mastercard, etc.). TandemPay receives funds minus interchange.

~ minutes

Convert to Stablecoins

Cleared funds are converted to stablecoins (USDC, USDT) through liquidity providers. Your agreed transaction fee is deducted.

~ seconds to minutes

Smart Contract Settlement

Stablecoins sent to merchant's smart contract with hardcoded destination addresses. Non-custodial, automatic execution.

✓

complete

Funds in Your Wallet

Stablecoins arrive in your configured wallets. Fully under your control, verifiable on-chain.

Try the Demo

Checkout Demo

DEMO

$100.00

Sample Order

Payment Method

Merchant receives: Stablecoins via non-custodial smart contract settlement (converted from card payment)

Integrate TandemPay

Payment Gateway SDK

Embed TandemPay checkout in your store with our JavaScript SDK or server-side API integrations.

// Example: Initialize checkout

import TandemPay from '@tandempay/sdk'

const checkout = await TandemPay.createCheckout({

amount: 100.00,

currency: 'USD',

merchantId: 'your-merchant-id'

});

Full integration documentation available in merchant dashboard after approval.

Time to First Payment

Application review1-2 days

Integration & testing~1-3 hours

Wallet configuration~15 min

First live paymentReady!

Typical timeline. Actual integration time varies by platform and technical requirements.

Earn as an Affiliate

Refer merchants and earn commission from their payment volume. Learn about the affiliate program →

Non-Custodial

TandemPay never holds merchant funds. Smart contracts enforce direct settlement to your addresses.

Transparent

All settlements visible on public blockchains. Verify every transaction independently.

Custom Rate

Pricing tailored to your vertical, volume, and risk profile, with clear terms agreed before processing.