Integrate usmewe Pay

Accept payments and enable micro-loans in your application with usmewe Pay.

Overview

usmewe Pay lets your users:

Pay with their Trust Score credit
Split payments over time
Use USDC from their Trust Vault
Pay instantly with zero friction

Quick Start

1. Install the SDK

npm install @usmewe/pay

yarn add @usmewe/pay

2. Initialize

import { UsmewePay } from '@usmewe/pay';

const usmewePay = new UsmewePay({
  merchantId: 'your_merchant_id',
  apiKey: process.env.USMEWE_API_KEY,
  environment: 'production'
});

3. Create a Payment

const payment = await usmewePay.createPayment({
  amount: 50.00,
  currency: 'USDC',
  description: 'Premium subscription',
  metadata: {
    orderId: 'order_123',
    userId: 'user_456'
  }
});

// Redirect user to payment page
window.location.href = payment.checkoutUrl;

Payment Flow

┌─────────────────────────────────────────────────────────────────┐
│  Your App                usmewe Pay              User's Wallet  │
│     │                        │                        │         │
│     │  Create Payment        │                        │         │
│     │───────────────────────►│                        │         │
│     │                        │                        │         │
│     │  Checkout URL          │                        │         │
│     │◄───────────────────────│                        │         │
│     │                        │                        │         │
│     │  Redirect User         │                        │         │
│     │─────────────────────────────────────────────────►         │
│     │                        │                        │         │
│     │                        │  User Pays             │         │
│     │                        │◄───────────────────────│         │
│     │                        │                        │         │
│     │  Webhook: payment.success                       │         │
│     │◄───────────────────────│                        │         │
└─────────────────────────────────────────────────────────────────┘

Payment Options

Direct USDC Payment

User pays immediately with USDC:

const payment = await usmewePay.createPayment({
  amount: 50.00,
  currency: 'USDC',
  paymentMethods: ['direct']
});

Pay with Credit

User borrows against their Trust Score:

const payment = await usmewePay.createPayment({
  amount: 50.00,
  currency: 'USDC',
  paymentMethods: ['credit'],
  creditOptions: {
    maxDuration: 30, // days
    maxInterest: 0.05 // 5%
  }
});

Split Payment

User pays in installments:

const payment = await usmewePay.createPayment({
  amount: 100.00,
  currency: 'USDC',
  paymentMethods: ['split'],
  splitOptions: {
    installments: 4,
    frequency: 'weekly'
  }
});

All Methods

Let user choose:

const payment = await usmewePay.createPayment({
  amount: 50.00,
  currency: 'USDC',
  paymentMethods: ['direct', 'credit', 'split']
});

Handling Webhooks

Set up a webhook endpoint to receive payment events:

import express from 'express';
import { UsmewePay, verifyWebhook } from '@usmewe/pay';

const app = express();

app.post('/webhooks/usmewe-pay', express.raw({ type: 'application/json' }), (req, res) => {
  const signature = req.headers['x-usmewe-signature'];

  if (!verifyWebhook(req.body, signature, WEBHOOK_SECRET)) {
    return res.status(401).send('Invalid signature');
  }

  const event = JSON.parse(req.body);

  switch (event.type) {
    case 'payment.success':
      // Fulfill the order
      fulfillOrder(event.data.metadata.orderId);
      break;

    case 'payment.failed':
      // Handle failure
      handlePaymentFailed(event.data);
      break;

    case 'payment.refunded':
      // Handle refund
      handleRefund(event.data);
      break;
  }

  res.status(200).send('OK');
});

Embedded Checkout

Embed the payment form directly in your page:

import { UsmewePayButton } from '@usmewe/pay/react';

function CheckoutPage() {
  return (
    <div>
      <h1>Complete Your Purchase</h1>

      <UsmewePayButton
        merchantId="your_merchant_id"
        amount={50.00}
        currency="USDC"
        description="Premium subscription"
        onSuccess={(payment) => {
          console.log('Payment successful:', payment.id);
          // Redirect to success page
        }}
        onError={(error) => {
          console.error('Payment failed:', error);
        }}
      />
    </div>
  );
}

Customization

Styling

const payment = await usmewePay.createPayment({
  amount: 50.00,
  currency: 'USDC',
  appearance: {
    theme: 'dark',
    primaryColor: '#6366F1',
    borderRadius: '12px',
    fontFamily: 'Inter'
  }
});

Localization

const payment = await usmewePay.createPayment({
  amount: 50.00,
  currency: 'USDC',
  locale: 'fr-FR'
});

Refunds

Issue a refund:

const refund = await usmewePay.createRefund({
  paymentId: 'pay_abc123',
  amount: 50.00, // Full or partial
  reason: 'Customer request'
});

Testing

Use test mode for development:

const usmewePay = new UsmewePay({
  merchantId: 'your_merchant_id',
  apiKey: process.env.USMEWE_TEST_API_KEY,
  environment: 'testnet'
});

Test Card Numbers

Scenario	Wallet Address
Success	Any valid address
Decline	0x0000…0001
Insufficient funds	0x0000…0002

API Reference

Create Payment

POST /v1/payments

{
  "amount": 50.00,
  "currency": "USDC",
  "description": "Order #123",
  "paymentMethods": ["direct", "credit"],
  "metadata": {},
  "redirectUrl": "https://yoursite.com/success",
  "cancelUrl": "https://yoursite.com/cancel"
}

Get Payment

GET /v1/payments/{paymentId}

List Payments

GET /v1/payments?limit=10&status=success

Fees

Payment Method	Fee
Direct USDC	1%
Credit	2% + interest
Split	1.5% per installment

Fees are deducted from the payment amount. You receive the net amount.

Security

API Key Security

Never expose your API key in client-side code
Use environment variables
Rotate keys periodically

Webhook Verification

Always verify webhook signatures to prevent fraud.

HTTPS Only

All API calls and webhooks use HTTPS.

Support

Documentation: docs.usmewe.com
Discord: discord.gg/usmewe
Email: developers@usmewe.com

Trust Score Widget

Display Trust Scores

Webhooks Guide

Handle all events

User Guides

Developer Tutorials

Integrate usmewe Pay

Integrate usmewe Pay

Overview

Quick Start

1. Install the SDK

2. Initialize

3. Create a Payment

Payment Flow

Payment Options

Direct USDC Payment

Pay with Credit

Split Payment

All Methods

Handling Webhooks

Embedded Checkout

Customization

Styling

Localization

Refunds

Testing

Test Card Numbers

API Reference

Create Payment

Get Payment

List Payments

Fees

Security

Support

Trust Score Widget

Webhooks Guide

​Integrate usmewe Pay

​Overview

​Quick Start

​1. Install the SDK

​2. Initialize

​3. Create a Payment

​Payment Flow

​Payment Options

​Direct USDC Payment

​Pay with Credit

​Split Payment

​All Methods

​Handling Webhooks

​Embedded Checkout

​Customization

​Styling

​Localization

​Refunds

​Testing

​Test Card Numbers

​API Reference

​Create Payment

​Get Payment

​List Payments

​Fees

​Security

​Support

Trust Score Widget

Webhooks Guide

Integrate usmewe Pay

Overview

Quick Start

1. Install the SDK

2. Initialize

3. Create a Payment

Payment Flow

Payment Options

Direct USDC Payment

Pay with Credit

Split Payment

All Methods

Handling Webhooks

Embedded Checkout

Customization

Styling

Localization

Refunds

Testing

Test Card Numbers

API Reference

Create Payment

Get Payment

List Payments

Fees

Security

Support