OxaPay

OxaPay is a cryptocurrency payment gateway that enables businesses to accept digital currency payments without lengthy onboarding or mandatory identity verification. Founded in 2019 and headquartered in Panama, the platform is designed to remove the friction that has historically made crypto payments impractical for merchants: complex integrations, volatility exposure, and slow settlement. Merchants can sign up with only an email address and begin receiving payments within minutes.

How It Works

OxaPay structures crypto payments as a multi-layered process rather than a raw blockchain transaction hand-off. At the core is a state machine that tracks each payment through defined stages — Created, Detected, Paid, Confirmed, and Completed — allowing merchants to act on reliable, business-logic-driven signals rather than interpreting raw blockchain events directly.

The payment flow works as follows: a merchant creates a payment expectation specifying the amount, accepted currencies, allowed networks, and an expiration window. OxaPay's monitoring layer watches the relevant blockchains for matching transactions, validates amount and network, and advances the payment state. Webhooks fire on each state change, giving merchants idempotent callbacks they can safely retry. Mixed payments — where a customer sends multiple smaller transactions to satisfy a single invoice — are aggregated automatically, and underpayments are managed as a distinct state rather than treated as failures.

Products and Integration Options

OxaPay offers several integration paths to accommodate different technical setups:

• Payment links and invoices: No-code tools for sharing payment requests via link, QR code, or embedded button — suitable for freelancers, content creators, and simple e-commerce flows.
• Donation buttons: Dedicated tooling for accepting crypto contributions without redirecting users off-site.
• Static wallet addresses: Fixed addresses tied to a merchant account for recurring customers or subscription-like arrangements.
• Merchant API: A RESTful interface for programmatic invoice creation, rate lookups, and payment management, aimed at developers building custom checkout flows.
• Payout API: Automated mass payment and payroll distribution, allowing platforms and affiliate programs to push funds to many recipients in a single operation.
• Plugins: Pre-built connectors for WooCommerce and WHMCS reduce integration time for merchants already on those platforms. A WordPress plugin is available through the WordPress.org plugin directory.
• White-label payment pages: Branded checkout experiences for businesses that want a seamless look for their customers.
• POS integration: Point-of-sale capability for physical retail environments.
• Telegram wallet: A built-in crypto management interface accessible through Telegram, aimed at users and merchants already operating within that ecosystem.

Supported Assets and Networks

OxaPay supports more than fifteen cryptocurrencies across multiple blockchains, including Bitcoin, Ethereum, Tether (USDT across multiple standards), USD Coin (USDC), BNB, Polygon (MATIC), Dogecoin, Litecoin, Monero, Solana (SOL), and XRP.

The platform includes an auto-conversion feature that allows merchants to receive funds in a stablecoin such as USDT regardless of which currency the customer paid with, reducing volatility exposure at the point of settlement. A built-in swap function lets users convert between supported assets on the platform without incurring separate on-chain fees.

Solana Integration

OxaPay added dedicated Solana support with a feature called Web3 Pay, which enables one-click wallet-connected payments on Solana invoices. Instead of copying an address or scanning a QR code, customers connect their Solana wallet directly to the checkout page, confirm the transaction amount, and complete payment within seconds. OxaPay states this reduces failed checkouts and improves conversion rates for merchants accepting SOL.

Solana is available across OxaPay's full product suite, including payment links, merchant invoices, static addresses, the Payout API, and POS integrations.

Fees and Geographic Restrictions

OxaPay's stated processing fee starts at 0.4% with no hidden charges. Withdrawal fees vary by network. No third-party security audits are publicly documented, though the platform states it uses encryption, two-factor authentication, and anti-fraud measures.

The service is not available in the United States, Cuba, Iran, North Korea, Crimea, Sudan, Syria, Bangladesh, Hong Kong, Bolivia, or UN-sanctioned territories, as disclosed in OxaPay's terms of service.

Team and Background

OxaPay's founding team, which formed in 2020 to build the platform, consists of approximately eight people with backgrounds in financial platform development. The company has not raised external venture funding. Individual team members are not publicly named on the main OxaPay website.

Position in the Solana Ecosystem

For Solana-based merchants and developers seeking a practical entry point to crypto payments, OxaPay offers a ready-made infrastructure layer with no KYC friction and multiple integration paths. Its Web3 Pay feature addresses the wallet-connection workflow that Solana users expect at checkout, while the broader multi-chain support means merchants are not tied to a single network. The Payout API is particularly relevant for Solana-based platforms distributing rewards, referral fees, or earnings at scale.