UMVA Pay

No. Absolutely no KYC (Know Your Customer) verification is required to start using the UMVA Pay Crypto Payment API. You can sign up, get your API keys, and start accepting crypto payments immediately without uploading documents, verifying your identity, or going through any approval process. No KYC is needed to start using the API — just create an account and begin integrating.

All crypto payments processed through UMVA Pay are priced in USD and automatically settled to USDT. When a customer pays in any supported cryptocurrency (BTC, ETH, LTC, USDT, etc.), the payment is converted at the current market rate and the settlement amount is credited to your USDT wallet. You can choose to receive settlement in USDT on the TRC20 network (USDT.TRC20) or the BEP20 network (USDT.BEP20). This protects you from crypto price volatility — you always receive the USD equivalent value in USDT stablecoins.

Yes. All crypto payments processed through UMVA Pay are confirmed and settled instantly. Once the transaction is detected on the blockchain and meets the required confirmation threshold, your UMVA Pay wallet is credited immediately. You can monitor payment status in real-time via webhooks (IPN) or by checking the payment status API endpoint. Instant settlement means you can process high volumes without waiting for block confirmations.

UMVA Pay charges a processing fee per transaction. The exact fee rate is displayed in your merchant dashboard and may vary based on your volume and plan. The fee is deducted from the settlement amount. There are no setup fees, no monthly fees, no hidden charges, and no long-term contracts. You only pay when you process payments. Blockchain network fees (gas fees) are paid by the customer sending the crypto transaction, not by you as the merchant.

UMVA Pay supports 50+ cryptocurrencies across major blockchain networks. Supported coins include USDT (TRC20, BEP20, ERC20), USDC (TRC20, BEP20, ERC20), Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Binance Coin (BNB), TRON (TRX), Solana (SOL), Dogecoin (DOGE), Polygon (MATIC), and many more. Use the crypto_coin parameter in our API with the full identifier (e.g. USDT.TRC20, BTC, ETH) to accept any supported coin. All coins are automatically settled to USDT in your chosen network.

Integration is simple. Create your UMVA account, get your API keys (Public Key and Secret Key) from the merchant dashboard, and call the POST /initiate-crypto endpoint with the required parameters (public_key, amount, crypto_coin, ipn_url, success_url, cancel_url, identifier). The API returns a wallet address and crypto amount for your customer to send to. We provide full documentation with code examples in PHP, Python, Node.js, cURL, and other languages. Most developers complete integration in under 30 minutes.

The accept_percentage parameter lets you control how much of the requested amount must be received for the payment to be considered successful. For example, if you set accept_percentage to 50, the payment is accepted even if the customer sends only 50% of the amount. This is useful for accounting for network fees, price fluctuations during transfer, or offering partial payment flexibility. The default value is 100, meaning the full amount must be received. You can set any value between 1 and 100.

When a crypto payment is confirmed, UMVA Pay sends a POST request to your configured ipn_url with the payment details including the transaction ID (trx), payment status, amount received, crypto coin used, and your identifier for order matching. Each IPN includes an HMAC signature that you can verify using your Secret Key to ensure the notification is genuine. The payment_type field is set to "api_crypto" for crypto payments. We recommend verifying the HMAC signature on every IPN before updating your order status.

UMVA Pay is ideal for a wide range of industries including E-Commerce & Online Stores, SaaS & Web Services, Digital Goods & Downloads, Gaming & iGaming Platforms, Freelancing & Services, Adult Platforms, Charity & Donations, Trading & Exchange Platforms, Travel & Hospitality, and AI & Automation. Any business that wants to accept crypto payments without KYC hurdles can benefit from UMVA Pay. Our API-first approach makes it easy to integrate into any platform.

There is no fixed minimum or maximum transaction amount for UMVA Pay. However, very small transactions may not be economical due to blockchain network fees (gas fees), which are paid by the customer. For very large transactions, additional verification may be required based on risk assessment. You can also use the accept_percentage parameter to handle partial payments due to network fee fluctuations. Contact our support team if you have specific volume requirements.

Yes. UMVA Pay provides a sandbox/test mode where you can integrate and test the crypto payment flow without using real funds. Test API keys are available from your merchant dashboard. All API endpoints work identically in test mode, so you can build and validate your integration before switching to live mode. We recommend thorough testing including IPN verification, partial payment acceptance, and error handling before going live.

Your customers can pay using any supported cryptocurrency including USDT (TRC20, BEP20, ERC20), USDC, Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Binance Coin (BNB), TRON (TRX), Solana (SOL), Dogecoin (DOGE), and many more. All payments are priced in USD and automatically settled to your preferred USDT network (TRC20 or BEP20). You receive the USD equivalent value in USDT, protecting you from crypto price volatility while giving your customers the flexibility to pay with any cryptocurrency they hold.

You can withdraw your USDT balance from your UMVA Pay merchant dashboard. Withdrawals are processed to your external USDT wallet on the TRC20 or BEP20 network. Standard blockchain network fees apply to withdrawals. There are no additional withdrawal fees charged by UMVA Pay. Withdrawal requests are processed automatically and credited to your wallet within minutes.