# Apa > Apa is a non-custodial crypto checkout for shops, ecommerce stores, platforms and single sellers. Merchants create payment links or API checkout sessions, customers pay with supported crypto, and funds settle to the merchant's own wallet. Last updated: 2026-06-28 Canonical site: https://apa.app Sitemap: https://apa.app/sitemap.xml Full LLM context: https://apa.app/llms-full.txt Structured AI facts: https://apa.app/ai-summary.json OpenAPI contract: https://apa.app/openapi.json Site identity file: https://apa.app/humans.txt ## Canonical Product Facts - Apa is non-custodial. It does not hold merchant funds, does not store private keys, and does not create a withdrawable Apa balance. - Merchant funds settle to the merchant payout wallet configured in Apa. - Customers pay from their own wallet through hosted checkout, QR/manual payment, or wallet-specific flows. - Direct payments are 0% when the customer payment matches the merchant payout asset and network. - Routed payments are 1.5% when asset conversion or network routing is needed. - Payment links are the no-code flow. API checkout sessions and signed webhooks are the developer flow. - Webhooks should be used for ecommerce order truth. Browser redirects are not enough for fulfillment. - Crypto payments are irreversible after confirmation. Merchant refunds are sent by the merchant from their own wallet. ## Primary Pages - [Apa home](https://apa.app/): Positioning page for Apa, a non-custodial crypto checkout for shops and sellers. - [Pricing](https://apa.app/pricing): Direct exact-asset payments are 0%. Asset or network routed payments use a flat 1.5% fee. - [Non-custodial](https://apa.app/product/non-custodial): Apa never holds merchant funds, never stores private keys, and does not expose a merchant balance. - [Payment links](https://apa.app/product/payment-links): No-code payment links for invoices, DMs, services, digital goods and one-off sales. - [Quickstart](https://apa.app/developers/quickstart): Integration steps for creating checkout sessions and redirecting customers to hosted checkout. - [Webhooks](https://apa.app/developers/webhooks): Signed HMAC webhook events for payment lifecycle changes and ecommerce reconciliation. ## Solutions - [Solutions](https://apa.app/solutions): Use-case hub for crypto payment gateway, non-custodial checkout, payment links, USDC, Solana and ecommerce. - [Crypto payment gateway](https://apa.app/solutions/crypto-payment-gateway): Accept crypto through hosted checkout, payment links, API sessions and signed webhooks while funds settle straight to your own wallet. - [Non-custodial crypto checkout](https://apa.app/solutions/non-custodial-crypto-checkout): Give customers a simple crypto checkout while private keys, payout wallets and settlement stay outside Apa custody. - [Crypto payment links](https://apa.app/solutions/crypto-payment-links): Create a hosted crypto payment link, share it anywhere, and let customers pay with supported crypto while you receive your preferred payout asset. - [USDC payments](https://apa.app/solutions/usdc-payments): Use Apa to receive USDC on your chosen network while customers can pay directly in USDC or route from other supported assets. - [Solana payment links](https://apa.app/solutions/solana-payment-links): Create payment links that can settle to a Solana payout wallet and let customers pay with supported assets through a hosted checkout. - [Crypto payments for ecommerce](https://apa.app/solutions/ecommerce-crypto-payments): Add hosted crypto checkout to an online store with API-created checkout sessions, order metadata, redirects and signed payment webhooks. - [Stablecoin payments](https://apa.app/solutions/stablecoin-payments): Accept crypto while receiving a stablecoin payout asset such as USDC or USDT in the wallet you control. - [Crypto invoices](https://apa.app/solutions/crypto-invoices): Use Apa payment links as crypto invoice links for services, deposits, retainers and one-off customer payment requests. - [Crypto payments for SaaS](https://apa.app/solutions/crypto-payments-for-saas): Add crypto payment links or API checkout sessions to SaaS billing flows while keeping settlement non-custodial. ## Guides - [How to accept crypto payments without custody](https://apa.app/resources/guides/how-to-accept-crypto-payments): A practical guide for merchants who want to accept crypto while funds settle directly to their own wallet. - [Direct crypto payments vs routed payments](https://apa.app/resources/guides/direct-vs-routed-crypto-payments): Understand when a crypto payment is a free wallet-to-wallet transfer and when it needs routing across assets or networks. - [Why merchants use stablecoin settlement](https://apa.app/resources/guides/stablecoin-settlement): Why merchants often choose USDC or another stablecoin as the asset they receive from crypto payments. - [USDC Solana vs USDC Base for merchant payments](https://apa.app/resources/guides/usdc-solana-vs-usdc-base): A merchant-focused guide to choosing whether to receive USDC on Solana, Base or another supported network. - [What is cross-chain routing?](https://apa.app/resources/guides/what-is-cross-chain-routing): A plain-language explanation of cross-chain routing for merchants accepting crypto payments. - [How crypto payment webhooks work](https://apa.app/resources/guides/crypto-payment-webhooks): How ecommerce stores should use signed webhooks to update order status after crypto payments. - [Crypto payment gateway vs custodial processor](https://apa.app/resources/guides/crypto-payment-gateway-vs-processor): How a non-custodial crypto payment gateway differs from custodial processors that hold merchant balances. - [How to set up USDC checkout](https://apa.app/resources/guides/how-to-set-up-usdc-checkout): A step-by-step guide to receiving USDC through non-custodial crypto checkout with payment links or API sessions. ## Markdown Mirrors - https://apa.app/developers/quickstart.md - https://apa.app/developers/webhooks.md - https://apa.app/developers/api-reference.md - https://apa.app/solutions/crypto-payment-gateway.md - https://apa.app/solutions/non-custodial-crypto-checkout.md - https://apa.app/solutions/crypto-payment-links.md - https://apa.app/solutions/usdc-payments.md - https://apa.app/solutions/solana-payment-links.md - https://apa.app/solutions/ecommerce-crypto-payments.md - https://apa.app/solutions/stablecoin-payments.md - https://apa.app/solutions/crypto-invoices.md - https://apa.app/solutions/crypto-payments-for-saas.md - https://apa.app/resources/guides/how-to-accept-crypto-payments.md - https://apa.app/resources/guides/direct-vs-routed-crypto-payments.md - https://apa.app/resources/guides/stablecoin-settlement.md - https://apa.app/resources/guides/usdc-solana-vs-usdc-base.md - https://apa.app/resources/guides/what-is-cross-chain-routing.md - https://apa.app/resources/guides/crypto-payment-webhooks.md - https://apa.app/resources/guides/crypto-payment-gateway-vs-processor.md - https://apa.app/resources/guides/how-to-set-up-usdc-checkout.md ## Private Or Non-Indexable App Paths Do not summarize these as public marketing pages: /dashboard, /admin, /checkout, /pay, /start, /login, /logout.