Crypto Payment Gateway With 0% Fees

Accept USDT, Bitcoin, Ethereum and 7 more coins on 8 networks. Customers pay inside your product, every payment is signed and confirmed on-chain, and you keep 100% of it.

Get API Keys Read the API Guide

0% processing fee
20 coin and network pairs
Signed webhooks
In production since January 2024

Order total$250.00

Pay With

Network

Send Exactly250.00 USDTTRC-20

To This AddressTRubyNexPayDem…000000

Demo address: never send funds to it

Invoice created$250.00 · USDT · TRON
Payment detected
Confirmations 0 of 1
Credited at $250.00
Webhook delivered to your server
Swept to your merchant wallet

Processing fee$0.00

You receive$250.00

On TRON this takes about 3 s. The demo runs faster. Gas for the sweep is topped up by RubyNexPay. Your customer never needs TRX.

10 Coins. 8 Networks. One Integration.

Tap a coin to see where it can be paid and how many confirmations it needs before it is credited.

TRONTRC-20Confirmations1Time to Creditabout 3 s

EthereumERC-20Confirmations5Time to Creditabout 1 min

BNB Smart ChainBEP-20Confirmations10Time to Creditabout 8 s

PolygonPolygonConfirmations20Time to Creditabout 40 s

BaseBaseConfirmations10Time to Creditabout 20 s

Learn More: Tether (USDT)

Deposit Addresses

One Address per Customer, on Every Network

Call the API once with your customer's ID and get a permanent deposit address on each network. They can top up any time, from any wallet or exchange, and every deposit is credited to the right account.

Generated once, kept forever: the same customer always gets the same addresses
XRP uses a destination tag on one ledger address, handled for you
Deposits of $1 or less are ignored, so dust spam never reaches your books

Customer65f2c1a9e4b0d3f7a2c91e04

TRONTRubyNexPayD…MWui00
Ethereum0xRubyNexPay…2b7e00
BNB Smart Chain0xRubyNexPay…3dc200
Polygon0xRubyNexPay…329800
Base0xRubyNexPay…d7af00
Bitcoinbc1qrubynexp…tW5e00
XRP LedgerrRubyNexPayD…KeVg00 tag 13180420
DogecoinDRubyNexPayD…EPQL00

Your Checkout

Customers Never Leave Your Product

No redirect to a third-party payment page and no foreign logo at the last step. RubyNexPay returns the address and the amount; you show them in your own design.

White Label by Design

Your brand from the first click to the receipt.

Fewer Drop-offs

One less page to load, one less brand to trust.

Any Front End

Web, mobile app, Telegram bot or a cashier at your desk.

LuckyOrbit

Deposit

USDTTRC-20

TRubyNexPayD…000000Copy Address

Waiting for payment: 100.00 USDT

Gas and Sweeping

We Handle Gas. You Just See the Money.

A USDT deposit on TRON needs TRX to move, and one on Ethereum needs ETH. RubyNexPay tops up gas on its own and sweeps every deposit into your merchant wallet each minute.

01
Customer Pays
250 USDT lands on the customer's TRC-20 address.
02
Gas Topped Up
RubyNexPay sends just enough TRX to move it.
03
Swept
The deposit joins your merchant wallet within a minute.
04
Ready to Use
Pay out, swap or keep it. Your balance is on-chain.

Works on Ethereum, BNB Smart Chain, Polygon, Base and TRON.

Invoices

Price in Dollars. Get Paid in Any Coin.

Create an invoice with a USD price and an expiry time. RubyNexPay converts each payment at the live rate when it is confirmed and tells you exactly what happened.

Invoice price$120.00

Customer sent$0.00

Drag to change what the customer sent

PendingUnderpaidPaidOverpaidExpired

invoice:pending

Nothing has arrived yet. The invoice stays open until it expires.

Payouts and Swaps

Money Out Is as Safe as Money In

Idempotent Payouts

Each payout carries your own ID. Send the same request twice and it is paid once.

IP Allowlist

Payouts are accepted only from the server addresses you list. Anything else is refused and reported.

Instant Alerts

A payout request from any other address is refused and raises an alert at once.

Built-in Swaps

Turn BNB into USDT or move USDT from BNB Smart Chain to TRON without leaving RubyNexPay, with a cap on rate slippage.

Live Rates

Prices from CoinGecko every minute, with Binance as a fallback, so a feed outage never stops you.

Separate Projects

Run several brands from one account, each with its own keys and its own secret rotation.

Savings Calculator

See What 0% Is Worth to You

Move the slider to your monthly volume.

Monthly volume$250K

Average order

Card processing$98,250 per year

2.9% + $0.30 per payment, average order $80

Typical crypto gateway$15,000 per year

0.5% per payment

RubyNexPay$0 per year

0% per payment, network cost only

You keep $15,000 more every year

Network costs depend on the coin and network; USDT on TRON or BNB Smart Chain usually costs cents. Card and gateway rates are typical published rates and vary by provider.

Developers

Integrate in an Afternoon

A REST API with Basic auth, JSON everywhere and webhooks signed with HMAC-SHA256. No SDK to install and no plugin to maintain.

Every webhook is signed with your project secret
Failed deliveries are retried, invoices every 15 seconds
Rotate your secret any time from the API

Read the API Guide

const params = new URLSearchParams({
  payload: order.id, // 24 hex characters
  'meta[price]': '120',
  'meta[tolerancePercent]': '1',
  'meta[expiresAt]': new Date(Date.now() + 30 * 60_000).toISOString(),
  'meta[webhookUrl]': 'https://shop.example/webhooks/rubynex',
});
const auth = Buffer.from(`${PROJECT_ID}:${PROJECT_SECRET}`).toString('base64');

const invoice = await fetch(`https://payments.rubysoft.io/api/invoice/load?${params}`, {
  headers: { Authorization: `Basic ${auth}` },
}).then((response) => response.json());

// show invoice.addresses.tron, invoice.addresses.bsc, ... in your checkout

Confirmations

No Black Box: When Each Payment Counts

A payment is credited after a fixed number of network confirmations. Here is the full table.

Network	Coins	Confirmations	Time to Credit
TRON	TRXUSDT	1	about 3 s
Ethereum	ETHUSDTUSDCDAI	5	about 1 min
BNB Smart Chain	BNBUSDTUSDCDAI	10	about 8 s
Polygon	POLUSDTUSDCDAI	20	about 40 s
Base	ETHUSDTUSDC	10	about 20 s
Bitcoin	BTC	1	about 10 min
XRP Ledger	XRP	1	about 4 s
Dogecoin	DOGE	3	about 3 min

Proven in iGaming

Built for the Hardest Payment Business

RubyNexPay runs the deposits and withdrawals of Aslot and every casino on the RubySoft platform, where a payout that goes wrong is never an option.

Crypto Payments for Casinos Visit Aslot

Compare

Why Businesses Switch

	RubyNexPay	Typical crypto gateway	Card processing
Processing fee	0%	0.5% to 1%	2.9% + $0.30
Chargebacks	None	None	Yes, up to 120 days
Where customers pay	Inside your product	Gateway's hosted page	Card form
Gas on token payments	Topped up for you	Often on you	Not applicable
Payout protection	IP allowlist, idempotency, alerts	Usually an API key only	Not applicable
Countries	Worldwide	Worldwide	Limited by bank

Questions

Questions Merchants Ask Us

Is RubyNexPay really free?

Yes. RubyNexPay charges 0% on payments. You pay only the blockchain network cost of moving funds, which on TRON or BNB Smart Chain is usually a few cents.

Which coins and networks can I accept?

USDT, USDC, DAI, Bitcoin, Ethereum, BNB, POL, TRX, Dogecoin and XRP across TRON, Ethereum, BNB Smart Chain, Polygon, Base, Bitcoin, the XRP Ledger and Dogecoin: 20 coin and network pairs in total.

How fast is a payment credited?

As soon as the network confirms it: about 3 seconds for USDT on TRON, about a minute on Ethereum and about 10 minutes for Bitcoin. The exact confirmation count for every network is published above.

Do my customers leave my site to pay?

No. The API returns the address and the amount and you show them in your own interface, so the whole payment happens under your brand.

What happens if a customer pays too little or too much?

The invoice is marked underpaid or overpaid and your webhook gets the exact amount received, converted to USD at the confirmation rate, so you can ask for the rest or credit the difference.

Do I need my own blockchain nodes or gas wallets?

No. RubyNexPay watches every network, tops up gas for token deposits and sweeps funds into your merchant wallet automatically.

How do I get started?

Send us a short request. We create your project, send you its ID and secret, and you can create your first invoice the same day.

Start Accepting Crypto With 0% Fees

Tell us about your business and get your API keys.