# A crypto payment gateway without custody

Canonical: 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.

## Product fit

### Gateway tools, not a held balance

Apa gives merchants the pieces they expect from a payment gateway: checkout URLs, payment links, API keys, event webhooks, payment statuses and admin visibility. The difference is custody. Apa does not hold a merchant balance that you withdraw later; the payment settles to the payout wallet you control.

- Hosted checkout for online stores
- Payment links for invoices, DMs and single sellers
- REST API and signed webhooks for backend integrations
- Direct wallet settlement with no Apa-held balance

### For shops and solo sellers

A larger merchant can create checkout sessions from its backend. A smaller seller can create a payment link from the dashboard. Both flows use the same payout wallet, same status model and same non-custodial settlement logic.

- Use links when you do not need a custom checkout integration
- Use API checkout when your store needs order references and webhooks
- Track payments in one merchant dashboard

## Key capabilities

- Direct payments stay free: When the customer pays the exact asset on your payout wallet's network, the payment is direct and Apa charges nothing.
- Routed payments use one flat fee: If the payment needs asset or network conversion, Apa quotes and orchestrates the route with a flat 1.5% fee.
- Backend-ready integration: Create checkout sessions, restrict accepted assets, attach metadata and listen for signed status events.

## FAQ

### Is Apa a custodial crypto payment gateway?

No. Apa provides checkout, routing and status tooling, but merchant funds settle to the merchant's own wallet instead of an Apa-held balance.

### Can I use Apa without writing code?

Yes. Payment links let a merchant create a hosted checkout link from the dashboard and share it with a customer.

### Can online stores integrate with an API?

Yes. Stores can create checkout sessions from a backend, redirect customers to hosted checkout and reconcile payments through signed webhooks.