Deploy Smart Contracts
Each contract is owned entirely by you; UPTOPAY never holds your admin keys.
UPTOPAYDecentralized Multi-Asset Smart Contract Payment Protocol
Web3 payment infrastructure — accept crypto payments on your own smart contracts across multiple chains.
Your Keys, Your Contracts, Your Revenue
UPTOPAY is a decentralized multi-asset payment protocol built on smart contracts, providing a turnkey solution for businesses to receive cryptocurrency payments without KYC.
Create a Dedicated Cashier
A white-label checkout page branded with your logo, linked to your contracts.
Receive Multiple Assets
Accept stablecoins, volatile coins and native coins across Ethereum, Arbitrum and TRON.
Choose Flexible Payment Modes
DApp Connect for wallet-authorized payments, or FlexiPay for QR-code scan-to-pay from any mobile wallet.
No KYC Required
Connect your Web3 wallet with Sign-In with Ethereum and start building immediately.
Main Payment Methods
Two payment methods you can enable independently or together — switch and apply based on your business needs.
Connect your wallet for smart-contract-authorized payment. Your customer pays directly through your smart contract.
How it works
- 1SelectThe paying customer selects the blockchain, token, and amount on your cashier checkout page.
- 2AuthorizeThe customer's wallet prompts approval, authorizing your merchant payment contract to transfer the specified token amount.
- 3PayThe customer signs the payment transaction. Tokens are transferred directly from the customer's wallet into your merchant payment contract.
- 4ConfirmThe system monitors the blockchain, completes payment at finality, auto-updates the order status, and notifies the merchant via webhook in real time.
Transparent, Predictable Pricing
Simple configuration and transaction fees that scale with your business.
Configuration FeeDApp ConnectFlexiPay
Standard Deploy (Factory)USDT 160USDT 200
Standard Deploy (Pro User)USDT 200—
1.
Select your transaction fee
2.
Choose AML service configuration
DAPP Connect - 2.00 USDT per transaction / FlexiPay - 0.4% per transaction
3.
Check your commission per transaction
DApp Connect2.00 USDT2.00 USDT per transaction
FlexiPay0.40 USDT0.4% of transaction amount
UPTOPAY Cashier. Your Customer's Checkout Page
Link your collection contracts to a branded cashier and start accepting crypto payments. Supports multiple blockchains, tokens, and both DApp Connect and FlexiPay contract types from a single checkout page.
Why merchants need Cashier ?
Custom White Label
Place your own branding, logo, and cashier title. Your customers see your brand, not ours.
Flexible Payment Methods
Enable DApp Connect, FlexiPay, or both. Choose the mode that matches your business.
Webhook Notifications
Configure a webhook URL to receive real-time order status updates. Integrate directly into your existing backend, ERP, or CRM systems.
Start Receiving Crypto Payments in 3 Steps
Connect Wallet
Create Contract & Cashier
Start Receiving Payments
Versatile Payment Solutions to Power Your Diverse Business Ecosystem
Beyond our core decentralized payment protocol, UPTOPAY provides a digital wallet system that maps deterministic CREATE2 addresses. Seamlessly link your smart contracts and start creating your wallet system via FlexiPay.
Retail Merchant with UPTOPAY Payment Solution
Supported Blockchain Networks and Cryptocurrencies
We support multiple assets, blockchains, and tokens, giving your customers the flexibility to pay with.
EthereumETH- Stablecoins
- USDT, USDC
- Volatile coins
- WBTC, WETH
- Native coin
- ETH
TRONTRX- Stablecoins
- USDT
- Volatile coins
- JST
- Native coin
- TRX
ArbitrumARB- Stablecoins
- USDT, USDC
- Volatile coins
- WBTC, WETH
- Native coin
- ETH
StablecoinsUSDT / USDCPowered by Smart Contracts. Secured by Self-Custody.
Permission Segregation
Withdraw and sweep rights are assigned by merchants through FinOps Addresses (1-10 per contract). FinOps Addresses can initiate financial operations but have no permission to change withdrawal destinations. UPTOPAY cannot control these permissions after setup.
Immutable Withdrawal Address
Withdrawal addresses are permanently fixed at the time of contract deployment and cannot be altered by anyone — including UPTOPAY. Funds can only be sent to the merchant's pre-designated addresses (2–3 whitelisted addresses per contract). To change the withdrawal address, a new contract must be deployed.
Merchant holds full contract rights
The Owner permissions for every merchant payment contract are entirely under the merchant's control. UPTOPAY cannot perform withdrawal, sweep, or any fund-movement operations on merchant contracts.
2FA Before Sensitive Operations
Sensitive operations — including enabling/disabling cashiers, managing operators, and configuring integrations — require wallet signature verification. Operations must be completed within 5 minutes of verification to prevent unauthorized access.
Contract Termination Safeguard
Even when a contract is terminated, withdrawal functionality remains available. Merchants can always retrieve their funds regardless of contract status. Termination only stops new inbound deposits — it never locks existing assets.
Compliant and Audit-Ready Transaction via UPTOPAY AML System
Optional AML Service integrated with UPSHIELD and Chainalysis. Automatically screens deposits, sweeps, and withdrawals for sanctioned or high-risk addresses. Subscribe and apply only if your business requires it.
FeatureUnsubscribedUnsub.SubscribedSub.Description
Risk Interception - DApp ConnectCustomize and enable risk-based deposit interception.
Risk Detection - FlexiPayRotate to a clean CREATE2 address when risky contamination is detected.
Auto Risk Management SettingCustomize manual review workflows for flagged deposits.
Webhook Chain InterceptionTrigger instant webhook notifications for risky orders.
Funds Flow
This is exactly how you will receive your payments. From the moment your customer pays, to the moment funds arrive in your wallet.
Stage 1Customer's Wallet
Your customer connects their Web3 wallet and pays directly through your Cashier.
Funds status: Leaving customer's wallet › Entering merchant's contract
Stage 2DApp Connect Contract
The system detects on-chain confirmations and updates the transaction status on your dashboard automatically.
Funds status: Funds held in contract, waiting for withdrawal request
Stage 3Request Withdrawal
Your FinOps address selects a whitelisted destination and signs the transaction to initiate the withdrawal.
Funds status: Funds leaving merchant contract › Split to two destinations
Stage 4Withdrawal Successful
Net funds arrive safely in your whitelisted merchant wallet while cumulative transaction fees are settled automatically.
Funds status: Withdrawal successful
Stage 1
Customer's Wallet
Your customer connects their Web3 wallet and pays directly through your Cashier.
Funds status: Leaving customer's wallet › Entering merchant's contractWhy UPTOPAY
UPTOPAY vs. Traditional Payment Solutions
Self-Custody Security
Your funds remain in smart contracts you control.
No KYC Required
Connect a wallet and start accepting supported assets.
Fast Configuration
Configure a payment contract and launch your flow in minutes.
Custom Cashier
Give customers a fully branded checkout experience.
FeatureUPTOPAYTraditional
Fund CustodySelf-custody — funds go to your smart contractThird-party custody - funds held by the payment provider
Admin Key ControlMerchant holds all keys; UPTOPAY has zero accessProvider controls fund movement
KYC RequirementNo KYC — connect wallet and startExtensive KYC/KYB onboarding (days to weeks)
Withdrawal AddressImmutable — set at deployment, cannot be changedConfigurable - can be changed by provider or admin
AML ComplianceOptional Chainalysis, UPSHIELD-powered AML ServiceVaries - often opaque or non-existent
Setup TimeMinutesDays to weeks
Supported AssetsMulti-chain (USDT, USDC, WBTC, WETH, JST, ETH, TRX)Typically limited to 1–2 tokens
Payment MethodsDApp Connect (wallet) + FlexiPay (QR scan)Usually one method only
Checkout BrandingFully white-labeled cashier with your logoGeneric provider-branded checkout
Webhook IntegrationReal-time webhook notificationsVaries - often requires custom development
Fee TransparencyFlat or % — collected on withdrawal onlyHidden fees, conversion spreads, or upfront charges
Contract Ownership100% merchant-owned on-chainNo on-chain contract; provider-managed
Frequently Asked Questions
UPTOPAY is a decentralized multi-asset payment protocol that lets businesses deploy their own smart contracts to receive cryptocurrency payments. You own the contracts, you hold the keys, and you control every withdrawal. UPTOPAY never has access to your funds.
Ready to Own Your Payments?
Deploy your smart contract today and start receiving crypto payments with full self-custody — no KYC, no middlemen, no compromises.