Everything worth knowing before you take your first payment — in plain language, on one page.
A customer pays into an address we generate for that specific payment. As soon as the network confirms it, we forward the funds to the payout address you configured, minus our commission and the network fee. Your money is on its way to you within seconds of confirmation — PlatypusPay routes payments, it does not hold balances, and there is no withdrawal step to wait for.
Because we route rather than hold, PlatypusPay is not a bank and funds moving through it are not covered by a deposit-protection scheme. Keep your earnings in your own wallet, which is exactly where we send them.
Our commission is 0.25% of each payment, taken from the amount before it is forwarded. The merchant pays it, so your customer pays exactly the price you advertised.
The blockchain's own network fee for the forwarding transaction also comes out of the amount. That one is set by the network, and we make nothing on it.
One exception worth knowing: on Bitcoin, the commission has a floor of 0.000007 BTC (700 satoshis) per payment, because Bitcoin will not create outputs below a dust threshold. Above roughly 160 EUR per payment, the ordinary 0.25% is higher and the floor stops mattering. Below it, that floor is what you pay. No other currency has one.
Every currency has a minimum payment amount, shown at checkout, which follows live network fees.
A payment is complete when the full amount is confirmed on-chain. Forwarding follows automatically, and your webhook fires the moment it happens, so your shop can release the order without anyone watching a screen.
A checkout stays open for 30 minutes — 45 on Bitcoin, which needs longer for a block. That window is what lets us quote a fixed crypto amount against a fiat price.
Money that arrives after that window is not lost. We keep watching the address for a week, and anything that lands is recorded and forwarded to you like any other payment. What we do not do is confirm the order for you: the crypto amount was fixed when the checkout opened, so a payment arriving days later can be worth noticeably less than what you charged. You get a payment.late webhook and an email instead of a confirmation, and you decide whether to ship. Past a week, contact us and we will sort it out manually.
If a customer sends only part of the amount, we forward what arrived and tell you it was partial, so you can decide what to do before shipping. If they send more, the surplus is forwarded to you along with the rest.
Crypto payments are irreversible, which is what makes chargeback fraud impossible and is one of the main reasons to accept crypto at all. The same property means refunds are not automatic: if you want to refund a customer, you send the funds back yourself from your wallet, on your terms.
This is also how you settle a late payment you decide not to fulfil (section 3): the funds are already in your wallet, so you send them back. Ask the buyer for an address first — Monero and shielded Zcash carry no sender address anyone can reply to, which is exactly the privacy you accept them for.
You get two keys. Your publishable key (pk_live_…) is built to live in your website's HTML — the worst anyone can do with it is create a payment that pays into your own wallets. Your secret key (sk_live_…) opens your dashboard and can change your payout addresses, so keep that one on your server.
Payouts go wherever you tell us to send them. Double-check an address when you add it — we send funds where you point them, and no one can reverse a transaction afterwards.
Sell what you like, wherever you are allowed to sell it. You handle your own tax, licensing and consumer obligations — we do not stand between you and your customers.
You can stop using the Service at any time — remove the integration and you are done. No notice period, no cancellation fee, nothing to close. Payments already confirmed will still be forwarded to you.
Deliberately little.
What we never collect: identity documents, analytics, advertising trackers, third-party cookies. We do not sell personal data and we will not.
If you donate through a stream donation link, the name and message you type appear live on the streamer's overlay, along with the amount — that is the whole point of the feature, and it is why the fields are there. Write them as something you are happy to see on screen.
Bitcoin, Litecoin, Ethereum and Solana record amounts and addresses on a public ledger, permanently and for everyone, which is how those networks work and not something any service can change.
This is exactly why PlatypusPay supports Monero and shielded Zcash: on those chains, amounts and addresses are not publicly visible at all. If privacy is what you are after, they are here for that reason.
Your merchant, for details you enter at checkout. Resend, which delivers payment receipts. CoinGecko, which gives us exchange rates and receives no personal data. Our hosting provider. That is the entire list — no advertisers, no data brokers.
Ask us for a copy of what we hold on you, ask us to correct it, or ask us to delete it, through our contact form. We answer within a month.
Two things nobody can do for you: erase a transaction from a public blockchain, and delete accounting records the law requires us to keep. Everything else is yours to control. In the EU or UK you can also raise a complaint with your national data protection authority.
HTTPS everywhere. Secret keys and webhook secrets stored hashed, never in plain text. Webhooks signed so your server can prove they came from us. Wallet and node services kept off the public internet entirely.
If we update this page, the date at the top changes with it, and we email merchants when a change actually affects them. Questions about any of it: get in touch.