A complete walkthrough of the payment flow, from checkout to settlement
What happens when a customer pays with crypto
When a customer completes their cart and proceeds to checkout, they see "Pay with Crypto (ETH/USDC)" as a payment option alongside traditional methods.
The order total (in EUR, USD, etc.) is converted to crypto in real-time using live market prices from CoinGecko and ExchangeRate APIs.
Price Buffer: A small buffer (default 2%) is added to account for price volatility between quote and payment. Any excess is refunded via the smart contract.
The customer chooses:
Customer clicks "Connect Wallet" and chooses their preferred wallet:
The wallet prompts the customer to switch to the correct network if needed.
Customer clicks "Pay Now" and their wallet shows the transaction details:
The payment goes to our smart contract, which:
Once the transaction is confirmed on the blockchain, LayerPay verifies:
After verification, the order status changes to "Processing" (or your configured status). The customer sees a confirmation with the transaction hash.
How the payment contract works
All payments go through our verified smart contract. The contract address is the same on all supported networks for easy verification.
The contract automatically splits the payment: 99% to your wallet, 1% platform fee. No manual claiming needed.
Every payment emits blockchain events with payer, merchant, amount, and order reference. This enables trustless verification.
// Payment Event Structure
event ETHPayment(
address indexed payer,
address indexed merchant,
uint256 amount,
uint256 merchantAmount,
bytes32 orderRef
);
How we keep payments secure
We never hold your funds. Payments go directly from customer wallet to your wallet via the smart contract. No withdrawal process, no delays.
Every payment is verified by reading blockchain data directly. We check transaction receipt, event logs, and amounts before marking orders as paid.
Blockchain transactions are final. Once confirmed, the payment cannot be reversed by the customer, eliminating chargeback fraud.
Our payment smart contract is open source and has been reviewed for security vulnerabilities. Contract addresses are verified on block explorers.
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