Help Center
Getting Started
How do I start accepting crypto payments?
Sign up for a CoinPay account, create a business, and add your wallet addresses. You'll get API credentials to integrate payments into your website.
What cryptocurrencies are supported?
We support Bitcoin (BTC), Bitcoin Cash (BCH), Ethereum (ETH), Polygon (POL), Solana (SOL), Dogecoin (DOGE), XRP, Cardano (ADA), BNB, plus USDT and USDC on Ethereum, Polygon, and Solana.
What are the fees?
CoinPay charges a simple 0.5% platform fee. You receive 99.5% of each payment to your wallet, minus blockchain network fees. Network fees vary by blockchain (e.g., ~$0.00025 for Solana, ~$0.50-5 for Ethereum) and are outside our control.
Custody & Trust
Who holds my money right now?
It depends which product you're using, so we don't answer this with a single word. Your web wallet keys are generated in your browser and never sent to us. Incoming payments land at an address we control and are forwarded to your wallet — usually well under a minute after confirmation, but we hold that key until the forward completes. Default escrow is held by us for the whole escrow window. Lightning balances sit on our node until you withdraw. Full breakdown by product.
What happens to my funds if CoinPay shuts down?
Anything already in your own wallet is unaffected — we never had those keys, and your web wallet seed lives in your browser (export it before you need it). But funds in escrow, in Lightning, or mid-forward are held at addresses derived from our seed: there is no third-party backup and no on-chain mechanism that releases them without us. The 2-of-3 multisig model, where the depositor and beneficiary could settle without us signing, is built but not currently enabled — so it isn't an answer you can rely on today. Current status is always shown here. Keep working balances small, and don't escrow anything you couldn't absorb losing if we stopped existing.
If there's a dispute, who decides and on what evidence?
Either party can dispute a funded escrow. If you named an arbiter when creating it, that party decides. If you didn't, CoinPay decides— the same company operating the escrow. The evidence is what's attached to the escrow: the job description and deliverables in its metadata, the stated dispute reason, and the timestamped event log. There's no published response time and no appeal. Naming your own arbiter at creation is the only lever currently available. A funded escrow also can't hang forever: at expiry it auto-refunds the depositor, or auto-releases to the beneficiary if that was enabled at creation.
Technical Support
For technical questions, check our documentation or join our Discord community.