PayDirect
Get API Key
Built on x402 & h402 open payment standards

Programmable Money
at Internet Speed

The payment API for agents, APIs, and Web3 services. Settle crypto instantly. No manual approvals. No card rails. Just code.

Instant settlementAPI monetizationAgent-to-agent paymentsRecurring & streamingStablecoin-native
Get API Key View Developer Docs

What PayDirect Is

PayDirect is Speed + Simplicity + Programmability — the settlement layer that moves value from A to B instantly, programmatically, and verifiably.

What users come here to do:

  • Instant programmable settlement
  • Usage-based and metered billing
  • Agent-to-agent payments without human approval
  • Recurring and streaming crypto payments
  • A simple SDK and API — 5-minute integration

API → payment → confirmation → done. No manual approval, no dispute resolution, no treasury governance.

PayDirect is not:

Each layer of the stack has a clear job. PayDirect handles speed.

  • An escrow or conditional-release system — that's Escrowed
  • A treasury or fund governance layer — that's AgentBank
  • A capital formation tool — that's FundAgent
  • A DAO governance framework — that's AgentDAO

If your use case involves holding funds, conditional release, cap tables, or DAO governance — the rest of the ADAO stack has you covered.

Built on Protocol Standards

PayDirect supports both x402 and h402, routing settlement through secure blockchain confirmation layers.

x402 — Web Payment Standard

Brings HTTP 402 "Payment Required" into the Web3 era, allowing agent-friendly, programmatic payment intents that resolve on-chain.

  • Request/verify/settle handshake
  • Signature verification
  • Native stablecoin settlement (EVM, Base)
h402 — Cross-Chain Extension

Extends x402 across multiple chains (e.g., Solana, Bitcoin), enabling broader settlement diversity while preserving protocol semantics.

  • Solana and Bitcoin settlement
  • Protocol adapter architecture
  • Cross-chain interoperability

Core Features

Everything you need to integrate programmable crypto settlement into your stack.

Instant Settlement

Fast, programmatic crypto settlement — sub-second finality where supported by the underlying chain.

Open Protocol Support

Native support for x402 and h402 payment logic. Standards-based, interoperable, and transparent.

Multi-Chain Ready

EVM (including Base), Solana, and Bitcoin settlement pathways supported via protocol adapters.

Developer-First APIs

Clean REST APIs and SDKs for JavaScript/TypeScript. Minimal integration overhead for builders.

Adaptive Payment Schemes

Support for exact, upto, and prepaid payment patterns across protocols and chains.

Webhook & Events

Real-time settlement notifications for automated workflows. Never miss a payment state change.

How PayDirect Works

A simple three-step flow that works in agentic systems, SaaS APIs, and on-chain services.

1
Create a Payment
Send a payable request with amount and payment conditions.
  • Set amount, currency, and payment type
  • Include metadata and callback URLs
  • Specify chain and protocol (x402/h402)
2
Verify & Settle
Blockchain settlement verified via protocol adapter.
  • Signature validation and balance check
  • On-chain transaction broadcast
  • Protocol-level settlement confirmation
3
Complete Transaction
Issue confirmation receipt and trigger fulfillment logic.
  • Settlement receipt generated
  • Webhook events dispatched
  • Fulfillment logic triggered automatically

What People Build With PayDirect

Five core problems. One settlement layer.

Web3 Startup
Simple Crypto Payment API
No wallet infra. No signature handling. Just a clean SDK, simple endpoints, webhooks, sandbox, and stablecoin support.
SaaS Founder
Monetize API Usage
Charge per call, per compute unit, per request. Metered billing with real-time settlement — revenue without card rails.
Agent Orchestrator
Agent-to-Agent Payments
Agent A requests work. Agent B responds 402. Settlement is immediate. No escrow. No human approval. Programmable trust.
Platform Builder
Recurring & Streaming
Automate recurring charges without traditional card rails. Subscriptionless SaaS, streaming payments, usage-based renewals.
Developer
Micropayments at Scale
Sub-cent transactions that traditional rails can't handle. Scale microtransaction ecosystems for the long tail of value.

One Stack. Clear Boundaries.

Each layer has one job. PayDirect handles speed. The rest of the stack handles everything else.

You Are Here

PayDirect — Speed + Simplicity + Programmability

Instant settlement. No escrow. No treasury. No governance. Just fast programmable money.

Escrowed
Trust + Conditionality

Conditional release, escrow, dispute resolution. When funds need to be held until conditions are met.

AgentBank
Treasury + Governance

Agent treasury management, multi-party allocation, and fund governance.

FundAgent
Capital + Distribution

Capital formation, cap table management, and funding orchestration.

AgentDAO
Governance + Coordination

DAO governance, agent orchestration, and decentralized decision-making.

VentureOS
Lifecycle + Tooling

Venture lifecycle engine for startups and digital-native businesses.

Built for Builders

Whether you're launching a Web3 service or enabling agent-native flows, PayDirect accelerates settlement integration with minimal overhead.

Clean API Surface

RESTful endpoints with predictable responses and clear error codes.

SDK Support

Official JavaScript/TypeScript SDK with full type definitions.

Real-Time Events

Webhook events for every payment state transition.

Tutorials & Guides

Step-by-step guides for common integration patterns.

Explore Developer Docs
quickstart.ts
import PayDirect from "paydirect-sdk";

const client = new PayDirect({
  apiKey: process.env.PAYDIRECT_API_KEY,
});

// Create a payment
const payment = await client.payments.create({
  amount: "15.00",
  currency: "USDC",
  description: "API billing payment",
  metadata: { orderId: "ORD_123" },
});

console.log(payment.id);
// => "pay_01GX5K..."
console.log(payment.status);
// => "pending"

Security & Compliance

Institutional use cases require robust settlement infrastructure — and PayDirect delivers it.

Secure Authentication

API key authentication with role-based access control.

Signature Validation

EIP-712 signature verification where applicable for on-chain integrity.

Webhook Verification

Cryptographic webhook signature verification to prevent tampering.

On-Chain Auditability

Every settlement is verifiable on-chain with transparent receipts.

Clear Settlement Receipts

Detailed transaction receipts with transparent pricing and fee breakdown.

Move Programmable Money at Internet Speed

Five minutes to your first payment. No card rails. No manual approvals. Just code → settlement → done.

Get API Key Developer Docs Integration Examples