8 Chains Online
Merchant Portal Get API Key Admin
⚡ 100% Non-Custodial · Zero Intermediary Tolls · Sub-Second L2 Settlement

Sovereign Settlement Infrastructure.
Direct to Your Treasury.

The institutional multi-chain crypto gateway engineered for high-volume enterprises, digital merchants, and autonomous Real Intelligence (RI) agent matrices. Accept USDC, USDT, ETH, BTC, SOL, BNB with zero chargeback risk and zero middleman holds.

Deploy Instant Gateway → ⚡ Try Live Simulator Merchant Portal
0.0%
Processing Toll
vs 3.5% + $0.30 traditional fee
< 800ms
Average Finality
Base L2 & Solana high-speed
100%
Non-Custodial
Direct P2P to your hardware vault
8+ Chains
Multi-Chain Matrix
EVM, Solana, Bitcoin Taproot
// FINANCIAL METRICS

Calculate Your True Processing Savings

Traditional payment processors charge 3.5% + fixed fees, currency exchange spreads, and costly chargeback disputes. See what happens when your treasury switches to ZenPay.

* Calculation based on standard 3.49% + $0.49 traditional credit card processing + 1.0% chargeback reserve buffer vs ZenPay 0.0% gateway fee.

Annual Capital Preserved
$44,280
kept directly in your business treasury each year
Monthly Traditional Toll
$3,690 / mo
ZenPay Gateway Toll
$0.00 / mo
Chargeback & Fraud Risk
0.00% (Cryptographically Immune)
// LIVE TESTBENCH

Interactive Multi-Chain Checkout Simulator

Experience the seamless, instant payment flow that your customers and AI agents see. Choose any asset to generate a deterministic on-chain invoice.

Select Payment Currency

ZenPay converts USD pricing to exact live crypto units with real-time price feeds.

🔵 USDC (Base)
⟠ ETH (Mainnet)
₿ BTC (Bitcoin)
🟣 SOL (Solana)
🟡 BNB (BSC)
Enterprise License #ZP-8842
Merchant: Sovereign Cloud Node
$250.00 USD
Payment QR Code
Amount Required
250.000000 USDC
Destination Address (Base L2)
0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913
Time Remaining
44:59
Listening to blockchain mempool for incoming transaction...
// PRODUCT ECOSYSTEM

Institutional Products & Settlement Rails

Six unified components engineered for enterprises, SaaS platforms, high-end consulting, and autonomous agent matrices.

📦

Universal Drop-In Modal

Embed a seamless crypto checkout on any website in 3 lines of JavaScript. Supports Shopify, WooCommerce, React, Webflow, and custom stacks.

  • Zero dependency widget.js
  • Automatic responsive iframe
  • Custom onConfirmed callback
View Widget SDK →
🔗

Dynamic Payment Links

Generate shareable payment links without writing code. Ideal for B2B invoices, high-ticket consulting, capital retainers, and private client billing.

  • One-click hosted checkout URLs
  • Verifiable on-chain receipts & PDF
  • Built-in discount incentives
Create Payment Link →
🤖

Autonomous RI Agent Rails

Machine-to-machine payment gateway for Real Intelligence (RI) and AI agents. Programmatic key provisioning, micro-settlements, and treasury routing.

  • Low-latency API settlement
  • Autonomous invoice generation
  • Sub-cent gas on L2 rails
Deploy Agent Rails →
🏦

Isolated Multi-Merchant Treasury

Run unlimited sub-merchants under a single deployment. Isolate wallets per brand, set custom webhook endpoints, and track segregated ledgers.

  • Per-merchant isolated API keys
  • Dedicated wallet address routing
  • CSV accounting & export tools
Explore Portal →
📱

Point-of-Sale & Terminal

Instant mobile-responsive QR checkout for physical luxury stores, private offices, pop-ups, and live institutional conferences.

  • Real-time visual confirmation
  • Multi-device touch optimization
  • Custom tip & tax handling
Open POS Terminal →
⚡

Automated RPC Webhooks

Enterprise blockchain listener daemon with exponential backoff retries. Dispatches signed cryptographic webhooks the second blocks confirm.

  • HMAC-SHA256 signature security
  • 3-attempt automated retry queue
  • Tx hash explorer verification
Webhook Docs →
// DOCTRINE & GENESIS

The Genesis of ZenPay Sovereign OS

Born out of the structural necessity for true financial self-sovereignty, direct treasury custody, and zero counterparty vulnerability.

2024 · THE ANTI-INTERMEDIARY PIVOT

Rejection of Centralized Processor Vulnerabilities

Merchants globally face arbitrary account freezes, high rolling reserves (up to 20%), and 3.5% + $0.30 transaction tolls. ZenPay's core architecture was founded on a simple mathematical principle: P2P crypto transactions must flow directly into the merchant's hardware vault with zero custodial middleman.

2025 · MULTI-CHAIN HYPER-SPEED & L2 ROLLOUT

Sub-Second Finality & Universal Drop-In SDK

Deployment of Base L2, Solana, BNB Smart Chain, and Bitcoin Taproot settlement engine. Launch of the lightweight, zero-dependency JavaScript drop-in modal (widget.js) and self-hosted Merchant Portal, enabling instant onboarding without regulatory gatekeeping.

2026 · SOVEREIGN MATRIX & RI AGENT RAILS (v4.5 GMAX)

Autonomous AI Settlement & Enterprise Multi-Treasury

Introduction of native programmatic settlement for Real Intelligence (RI) and AI agents. Autonomous micro-invoicing, multi-merchant isolated ledger vaults, zero-fee direct settlement, and high-frequency webhook dispatching. ZenPay becomes the sovereign standard for modern web3 commerce.

// DEVELOPER INTEGRATION

Integrate in 3 Minutes with Any Stack

Clean REST APIs, signed webhooks, and drop-in SDKs designed for developers who demand zero bloat.

# 1. Create a dynamic crypto checkout session curl -X POST https://zenpay.godosx.com/api/create \ -H "X-Api-Key: zpk_your_merchant_key" \ -H "Content-Type: application/json" \ -d '{ "amount_usd": 250.00, "currency": "USDC", "chain": "base", "product": "Enterprise Strategy License", "email": "client@familyoffice.com", "ref": "INV-2026-0042" }' # Response: { "ok": true, "payment_id": 8842, "payment_url": "https://zenpay.godosx.com/pay?id=8842", "amount_crypto": 250.0, "to_address": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913" }
// SUPPORTED NETWORKS

Multi-Chain Settlement Rails

Direct on-chain compatibility across leading Layer-1, Layer-2, and high-throughput networks.

🔵
Base L2
< 1s Finality · $0.001 gas
⟠
Ethereum
Deepest Liquidity
🟣
Solana
400ms Finality · Sub-cent
🟡
BNB Chain
Global Adoption · 3s
₿
Bitcoin
Native Taproot & SegWit
💜
Polygon
PoS Settlement Rails
// CRYPTOGRAPHIC SECURITY

Engineered for Sovereign Resilience

Zero external cloud trackers, zero shared custody, and zero reliance on vulnerable third-party APIs.

🛡️

100% Non-Custodial Vaulting

Your private keys never touch ZenPay servers. Payments settle directly into your designated cold storage or multi-sig treasury.

🔒

Signed Webhook Payloads

Every webhook notification is signed via HMAC-SHA256, allowing your backend to mathematically verify authenticity.

⚖️

Chargeback Immunity

Eliminate payment dispute fraud, fraudulent friendly chargebacks, and arbitrary payment aggregator holds forever.

// QUESTIONS & ANSWERS

Frequently Asked Questions

Does ZenPay hold or custody merchant funds?
No. ZenPay is strictly non-custodial software. When a customer sends cryptocurrency, it is broadcast directly to the blockchain and sent to your personal wallet address. ZenPay only monitors the blockchain and notifies your server via webhook.
What processing fees does ZenPay charge?
ZenPay charges 0.0% processing fees. You keep 100% of the customer's payment. Payer only pays standard network blockchain gas (which on Base L2 is typically less than $0.005).
Can I use ZenPay with autonomous AI or Real Intelligence (RI) agents?
Yes. ZenPay provides programmatic REST endpoints that allow AI agents to issue payment requests, listen for confirmations, and execute automated machine-to-machine micropayments.
How do I generate formal invoices for tax accounting?
Every completed transaction automatically generates a permanent invoice (e.g. /invoice/008842) complete with customer details, exact crypto rate, UTC timestamp, and clickable transaction hash proofs for accounting compliance.