API Documentation

Settlement & Fees

PayDirect automatically deducts a small percentage fee from every payment and forwards the net amount to the merchant. All settlement happens on Base mainnet.

Fee Rates

Percentage-based fees deducted automatically at settlement

Token	Fee Rate	Notes
USDC	0.50%	Stablecoin, most common payment token
ETH	0.50%	Native Base ETH
ADAO	0.25%	Discounted rate to incentivize ADAO usage

Workspace-level fee overrides are supported (0-100% range). Contact support for custom rates on high-volume workspaces.

Fee Calculation Example

How fees are computed for a 100 USDC payment

Payment: 100.00 USDC
Fee Rate: 0.50%

gross_amount = 100.00 USDC    (total payment)
fee_amount   =   0.50 USDC    (100.00 x 0.005)
net_amount   =  99.50 USDC    (100.00 - 0.50)

→ 99.50 USDC sent to merchant wallet
→  0.50 USDC sent to PayDirect treasury

ADAO example: A 1,000 ADAO payment at 0.25% fee results in a 2.50 ADAO fee and 997.50 ADAO net to the merchant.

Settlement Flow

End-to-end lifecycle of a payment from creation to settlement

Payment Created

Merchant calls POST /api/v1/payments with token, amount, and destination wallet. PayDirect calculates fee/net amounts and returns a receiving address (the workspace's CDP-managed wallet on Base).

Payer Sends Funds

The payer sends the exact gross_amount to thereceivingAddress on Base mainnet.

Transfer Detected

The blockchain monitor detects the incoming transfer and updates the payment status to detected. A payment.detected webhook fires.

Block Confirmations

After sufficient block confirmations, the status becomes confirmed. A payment.confirmed webhook fires.

Forwarding (Settlement)

The forwarding service sends the net_amount to the merchant wallet and the fee_amount to the PayDirect treasury. Both transfers happen on Base in the same settlement cycle. Status becomes forwarded and apayment.forwarded webhook fires.

What PayDirect Does Not Charge For

Wallet creation (workspace wallets are provisioned free)
Gas fees (workspace wallets are auto-funded with gas)
Custody (Coinbase CDP managed wallets, no custody fees)
API access (free tier includes 100 requests/min)
Webhook delivery (unlimited webhook events)

Revenue Model for Merchants

What to expect as a PayDirect merchant

Monthly Volume	Token	Fee Rate	Merchant Net
$10,000	USDC	0.50%	$9,950
$100,000	USDC	0.50%	$99,500
$100,000	ADAO	0.25%	$99,750

No subscription required for settlement. The optional Pro plan ($49/month) provides higher API limits, advanced analytics, and priority support. See Pricing for details.