Overview
What ZeroPay is and how a payment flows end to end.
ZeroPay is a multi-chain crypto payment gateway. Your customer can pay with major assets supported by NEAR Intents, including USDC/USDT, BTC variants, ETH/WETH, SOL and major native assets; you receive at your own address on the chain and settlement asset you choose. Cross-chain routing, swapping and settlement are executed by the NEAR Intents solver network — ZeroPay never holds custody of your funds.
Payment lifecycle
- You create an order via POST /v1/orders with the USD amount, the pay chain/asset and the payer's refund address.
- ZeroPay quotes the route and returns a unique deposit address, the exact amount to pay and a 30-minute deadline.
- Your customer sends the exact amount to the deposit address (your checkout can show a QR code or trigger a wallet transfer).
- NEAR Intents detects the deposit, swaps/bridges, and settles to the receiving address you configured for the settle chain.
- ZeroPay polls the settlement status every few seconds, records every transition, and notifies your webhook_url.
Order statuses
| Status | Meaning | Terminal |
|---|---|---|
| pending_deposit | Waiting for the payer's funds to arrive at the deposit address | no |
| processing | Deposit detected; swap and settlement in progress | no |
| success | Funds settled to your receiving address | yes |
| failed | Settlement failed; the deposit is refunded to refund_address | yes |
| refunded | Funds were returned to refund_address | yes |
| expired | No deposit arrived within the 30-minute deadline; nothing was charged | yes |
Today settlement runs on NEAR Intents. The API is provider-agnostic — more settlement networks (e.g. Plasma) will be added behind the same endpoints, with no migration needed.