The seller
The merchant sells the goods or services, sets prices and customer-facing policies, and remains responsible for fulfillment, refunds, tax and customer support.
How KoviraPay payments and settlement work
A clear distinction between checkout software, independent payment providers, blockchain smart contracts, and the merchant who sells the product.
Checkout software
KoviraPay creates checkout sessions, presents eligible routes, receives verified status signals, manages webhook delivery and supports reporting. It is not the consumer’s seller or a blanket guarantee of processing eligibility.
Independent payment execution
Where a third-party provider is used, that provider performs the relevant card/bank/on-ramp steps and applies its own fees, verification, geographic restrictions and risk decisions.
Configured self-settlement
When V3 is active for an approved route, an on-chain contract deterministically allocates supported received assets to fixed platform and merchant destinations. Polygon and Ethereum routes require their own verified deployment, transaction and payout evidence.
Follow one payment
- Merchant creates a payment with an amount and currency.
- Customer chooses an available method in hosted checkout or follows an approved direct route.
- Any independent provider applies its own terms and handles provider-side steps.
- KoviraPay waits for authenticated callback and, when relevant, blockchain settlement confirmation.
- Only a completed and confirmed live payment may be treated as paid; the merchant fulfills the order.
1% platform fee is distinct from provider charges, spreads, network fees and any approved reseller markup. Actual acceptance, asset and cost details vary by route.
Building an integration? Verify status in the API and signed merchant webhooks—not from browser redirects.
Read API documentation ↗