Non-custodial crypto checkout for merchants
Give customers a simple crypto checkout while private keys, payout wallets and settlement stay outside Apa custody.
The merchant controls the payout wallet
Apa checkout is designed around a saved payout wallet: asset, network and wallet address. Checkout sessions and payment links reference that saved payout wallet, so payments are tied to where the merchant wants to receive funds without passing a raw wallet in every request.
- Merchant payout wallet stays under merchant control
- Customers pay from their own wallets
- Apa never exposes a merchant balance to withdraw
Simple for customers, explicit for merchants
Customers see the amount, asset, network and price hold before paying. Merchants see status, route type, expected output, actual output and webhook events after the payment moves.
- Clear asset and network selection
- Wallet payment and QR/manual payment paths
- Payment states for created, pending, routing, paid and failed flows
Built around the checkout jobs that matter
Apa keeps the merchant-facing model simple: create a payment, let the customer pay, receive status updates, and settle to the wallet you control.
No withdrawal queue
The payout is the payment. Once confirmed or routed, the result lands in the merchant's own wallet.
Refunds stay merchant-controlled
Because Apa is non-custodial, customer refunds are sent by the merchant from their wallet and recorded in Apa.
Safer API key model
Live payments reference saved payout wallets, so a request cannot redirect funds to an arbitrary wallet.
Non-custodial crypto checkout FAQ
Who holds the merchant's funds?
The merchant does. Apa does not keep a merchant balance or custody payout funds.
Does non-custodial mean no dashboard?
No. Apa still provides a dashboard, statuses, API keys and webhooks. Non-custodial describes where funds settle and who controls keys.
Can Apa reverse a crypto payment?
No. On-chain payments are irreversible once confirmed. If a refund is needed, the merchant sends it from their own wallet.
Make crypto checkout feel ordinary
Create payment links or API checkout sessions with direct wallet settlement, clear statuses and signed webhooks.