Digital Assets Payments - 88Pay Documentation

Overview

Accept cryptocurrency payments for borderless, instant transactions with no foreign exchange fees.

Supported Crypto

USDT (Tether)

Networks

TRC20, ERC20

Confirmation

~10 minutes

Why USDT?

USDT (Tether) is a stablecoin pegged 1:1 to USD: ✅ Stable value - no volatility like Bitcoin ✅ Low fees - especially on TRC20 ✅ Fast transfers - minutes, not days ✅ Global - no currency conversion ✅ Privacy - no personal info needed

Supported Networks

TRC20 (Recommended)
ERC20

TRON Network (TRC20)

Blockchain: TRONConfirmation Time: ~3 minutesTransaction Fee: ~$1-2 USDBlock Explorer: TronscanWhy Recommended:

⚡ Fastest confirmations
💰 Lowest fees
📈 Most popular in LATAM

Address Format: Starts with T...Example: TXYZabc123...

Ethereum Network (ERC20)

Blockchain: EthereumConfirmation Time: ~10-20 minutesTransaction Fee: $5-50 USD (varies with gas)Block Explorer: EtherscanTrade-offs:

🐌 Slower confirmations
💸 Higher fees
🏦 More exchange support

Address Format: Starts with 0x...Example: 0x742d35Cc6634C...

Recommendation: Use TRC20 for better user experience and lower fees.

How It Works

Create Crypto Payment

curl -X POST "https://api-sandbox.88pay.io/api/transactions/charges" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "x-session-id: YOUR_SESSION" \
  -H "Content-Type: application/json" \
  -d '{
    "flow": "PAYIN",
    "method_code": "USDT",
    "method_category": "CRYPTO",
    "amount": 50,
    "currency": "USD",
    "country": "COL",
    "description": "Order #12345",
    "customer_id": "user_001",
    "notification_url": "https://yoursite.com/webhook",
    "return_url": "https://yoursite.com/success"
  }'

Important: Amount should be in USDT (USD), not local currency. If your product costs 50,000 COP, convert to USD first: amount: 12.50 (approximately)

Response

{
  "status": "Success",
  "code": 200,
  "data": {
    "reference": "IP9BD7CJES6",
    "deposit_address": "TXYZabc123def456ghi789jkl012mno345pqr",
    "network": "TRC20",
    "amount": 50,
    "currency": "USD",
    "qr_code_url": "https://qr.88pay.io/ABC123.png"
  }
}

Customer Experience

Receive Address

Customer sees deposit address and QR code

Open Wallet

Opens their crypto wallet (Binance, Trust Wallet, etc.)

Send USDT

Sends exact USDT amount to addressCritical: Must send exact amount

Wait for Confirmations

Transaction appears in ~30 secondsConfirmed after 3-6 blocks (~3-10 minutes)

Payment Complete

Webhook sent when confirmedCustomer can return to site

Displaying Crypto Payment

Example UI

function CryptoPayment({ data }) {
  const [status, setStatus] = useState('pending');
  
  // Poll for payment status
  useEffect(() => {
    const interval = setInterval(async () => {
      const status = await checkPaymentStatus(data.reference);
      if (status === 'COMPLETED') {
        setStatus('completed');
        clearInterval(interval);
      }
    }, 10000); // Check every 10 seconds
    
    return () => clearInterval(interval);
  }, []);
  
  return (
    <div className="crypto-payment">
      <h2>Send USDT Payment</h2>
      
      <div className="amount-box">
        <label>Amount:</label>
        <div className="amount">
          {data.amount} USDT
        </div>
        <p className="warning">⚠️ Send EXACT amount</p>
      </div>
      
      <div className="network-badge">
        Network: {data.network}
      </div>
      
      <div className="qr-section">
        <img src={data.qr_code_url} alt="QR Code" />
        <p>Scan with your wallet app</p>
      </div>
      
      <div className="divider">OR</div>
      
      <div className="address-section">
        <label>Deposit Address:</label>
        <div className="address">
          <code>{data.deposit_address}</code>
          <button onClick={() => copy(data.deposit_address)}>
            Copy Address
          </button>
        </div>
      </div>
      
      <div className="instructions">
        <h3>How to pay:</h3>
        <ol>
          <li>Open your crypto wallet</li>
          <li>Select "Send" or "Transfer"</li>
          <li>Choose USDT on {data.network} network</li>
          <li>Paste address or scan QR code</li>
          <li>Enter amount: <strong>{data.amount} USDT</strong></li>
          <li>Confirm and send</li>
        </ol>
      </div>
      
      <div className="status">
        {status === 'pending' && (
          <div className="pending">
            <Spinner />
            <p>Waiting for payment...</p>
            <p className="small">This usually takes 3-10 minutes</p>
          </div>
        )}
        
        {status === 'completed' && (
          <div className="completed">
            <CheckIcon />
            <p>Payment confirmed!</p>
          </div>
        )}
      </div>
      
      <div className="warnings">
        <p>⚠️ Only send USDT on {data.network} network</p>
        <p>⚠️ Sending other coins or wrong network will result in loss of funds</p>
        <p>⚠️ Send exactly {data.amount} USDT</p>
      </div>
    </div>
  );
}

Important Warnings

Critical Information for Customers:✅ Only send USDT - sending BTC, ETH, or other coins will result in permanent loss✅ Correct network - TRC20 address only accepts TRC20 USDT (not ERC20 or other networks)✅ Exact amount - send precisely the amount shown (e.g., 50.00 USDT, not 49.99 or 50.01)❌ No refunds for wrong coin, wrong network, or wrong amount

Transaction Limits

Network	Min	Max	Fee
TRC20	10 USDT	100,000 USDT	~1-2 USDT
ERC20	10 USDT	100,000 USDT	~5-50 USDT (varies)

Confirmation Times

Network	Appears In	Confirmations Needed	Total Time
TRC20	30 seconds	19 blocks	~3-5 minutes
ERC20	30 seconds	12 blocks	~10-20 minutes

Webhook Notifications

PENDING
PROCESSING
COMPLETED
REJECTED

    {
      "transaction_status": "PENDING",
      "transaction_reference": "IP9BD7CJES6",
      "transaction_payment_method": "USDT_TRC20"
    }

Meaning: Payment created, awaiting transfer

    {
      "transaction_status": "PROCESSING",
      "transaction_reference": "IP9BD7CJES6",
      "transaction_payment_method": "USDT_TRC20",
      "confirmations": 5,
      "confirmations_required": 19
    }

Meaning: Transfer detected, waiting for confirmations

    {
      "transaction_status": "COMPLETED",
      "transaction_reference": "IP9BD7CJES6",
      "transaction_amount": "50",
      "transaction_payment_method": "USDT_TRC20",
      "transaction_hash": "abc123def456..."
    }

Meaning: Payment confirmed on blockchainAction: Fulfill order

    {
      "transaction_status": "REJECTED",
      "transaction_reference": "IP9BD7CJES6",
      "transaction_payment_method": "USDT_TRC20"
    }

Reasons:

Payment timeout (2 hours)
Wrong amount sent
Wrong network used

Best Practices

Show Real-Time Status

Poll for transaction status while customer waits

    // Check status every 10 seconds
    const checkStatus = setInterval(async () => {
      const status = await getTransactionStatus(reference);
      
      if (status.transaction_status === 'PROCESSING') {
        updateUI(`Confirmations: ${status.confirmations}/${status.confirmations_required}`);
      }
      
      if (status.transaction_status === 'COMPLETED') {
        clearInterval(checkStatus);
        redirectToSuccess();
      }
    }, 10000);

Display Network Clearly

Make it impossible to miss which network to use

    <div className="network-warning">
      <AlertIcon />
      <h3>IMPORTANT: Use {network} Network Only</h3>
      <p>Sending on other networks will result in loss of funds</p>
    </div>

Provide Block Explorer Link

Let customers verify their transaction

    {transactionHash && (
      <a 
        href={`https://tronscan.org/#/transaction/${transactionHash}`}
        target="_blank"
      >
        View on Tronscan
      </a>
    )}

Handle Partial Payments

What if customer sends 49.50 instead of 50?

    // Webhook handler
    if (req.body.transaction_status === 'REJECTED' 
        && req.body.reason === 'partial_payment') {
      const sent = req.body.amount_received;
      const required = req.body.amount_required;
      const remaining = required - sent;
      
      // Offer to complete payment
      await sendEmail({
        to: customer.email,
        subject: 'Complete Your Payment',
        message: `You sent ${sent} USDT. Please send ${remaining} USDT more to complete.`
      });
    }

Testing

Sandbox Behavior

Deposit address provided instantly
Auto-completes after 3 minutes
Webhook sent automatically
No real crypto needed

// Test flow
const payment = await createCryptoPayment({
  amount: 50,
  currency: "USD"
});

console.log('Address:', payment.deposit_address);
console.log('Network:', payment.network);

// Wait 3 minutes
await sleep(180000);

// Webhook arrives with COMPLETED status

Common Issues

Customer sent wrong amount

Problem: Sent 49 USDT instead of 50Solutions:

Accept as partial payment
Request remaining balance
Offer refund (minus fees)

Prevention:

Make amount extremely clear
Show exactly what to enter in wallet
Provide copy button for amount

Wrong network used

Problem: Sent ERC20 to TRC20 address (or vice versa)Result: Funds lost (unrecoverable)Prevention:

Show BIG warning about network
Color-code network selection
Confirm network in UI multiple times
Show example of correct wallet selection

Transaction not appearing

Possible causes:

Still processing in blockchain
Sent to wrong address
Low gas fee (ERC20)

Action:

Wait 20 minutes
Check block explorer with transaction hash
Verify address matches exactly

Customer doesn't have USDT

Solution: Provide instructions to buy

    <div className="help-section">
      <h3>Don't have USDT?</h3>
      <p>You can buy USDT on:</p>
      <ul>
        <li><a href="https://binance.com">Binance</a></li>
        <li><a href="https://coinbase.com">Coinbase</a></li>
        <li>Local exchange in your country</li>
      </ul>
    </div>

Next Steps

Webhooks

Handle payment notifications

Testing

Test crypto payments

Currency Conversion

Convert local currency to USD

API Reference

Technical documentation

Available Methods

​Overview

Supported Crypto

Networks

Confirmation

​Why USDT?

​Supported Networks

​TRON Network (TRC20)

​Ethereum Network (ERC20)

​How It Works

​Create Crypto Payment

​Response

​Customer Experience

​Displaying Crypto Payment

​Example UI

​Important Warnings

​Transaction Limits

​Confirmation Times

​Webhook Notifications

​Best Practices

​Testing

​Sandbox Behavior

​Common Issues

​Next Steps

Webhooks

Testing

Currency Conversion

API Reference

Overview

Why USDT?

Supported Networks

TRON Network (TRC20)

Ethereum Network (ERC20)

How It Works

Create Crypto Payment

Response

Customer Experience

Displaying Crypto Payment

Example UI

Important Warnings

Transaction Limits

Confirmation Times

Webhook Notifications

Best Practices

Testing

Sandbox Behavior

Common Issues

Next Steps