Same model as Uniswap. Smart contracts execute autonomously. Your keys, your funds. Funds flow from payer to merchant in a single on-chain transaction. ButterPay holds nothing, custodies nothing, can pause nothing.
┌─────────────┐ ┌──────────────────────┐ ┌──────────────┐
│ payer │ ────▶ │ PaymentRouter │ ────▶ │ merchant │
│ wallet │ signs │ (smart contract) │ USDC │ wallet │
└─────────────┘ └──────────┬───────────┘ └──────────────┘
│
├── 0.8% protocol fee
├── single atomic transaction
└── zero custody, zero hold
No intermediary settlement account. No "pending balance". No business day waits. The contract is verified on Arbiscan — your engineers can read the source and confirm there is no withdraw(), no admin pause, no upgrade path that could redirect funds.
Why this matters for high-risk verticals
Card-network gateways like CCBill structure their fee around chargeback risk and platform shutdown insurance. They take 10–14% because they carry that risk.
Crypto rails reverse the model: payments are protocol-level irreversible, no chargebacks exist, and there is no intermediary that can freeze a merchant account. The fee can collapse to 0.8% because the platform isn't insuring you against card-network volatility — it's just routing bytes on-chain.
That's the entire pitch.
npm install @butterpay/core
import ButterPay from "@butterpay/core"; const pay = new ButterPay({ merchantWallet: "0xYourWalletAddress", currency: "USDC", }); const invoice = await pay.charge({ amount: 9.99, description: "Monthly subscription", }); // → returns checkout URL. // → payer signs once, you receive USDC. // → webhook fires payment.confirmed.
Stripe-style webhook signing (X-ButterPay-Signature: t=<unix>,v1=<hmac>), idempotent invoices, retry policies, sessionToken anti-forgery — every primitive your team already knows. Most teams ship live crypto checkout in under fifteen minutes.
@butterpay/core on npm · source
| ButterPay | CCBill | Stripe (high-risk) | |
|---|---|---|---|
| Transaction fee | 0.8% flat | 10.8 – 14.5% + $0.55 | restricted for many platforms |
| Chargebacks | impossible protocol-level |
$25 / dispute + revenue loss |
yes |
| Rolling reserve | none | 5–10% held 13–26 wks | yes |
| Settlement | instant on-chain |
T+7 to T+30 | T+2 |
| Shutdown risk | none | card networks can cut you off | account freezes happen |
| KYB / approval | none live day one |
weeks to months | days to weeks |
A platform processing $100K/month pays CCBill $27,000+. ButterPay: $800. Save $26,200/month.
|
Node.js + TypeScript SDK · |
Integration guides, API reference, payment model. Start here if you've never touched crypto rails. |
|
This profile + community health files. Where the org lives, meta layer. |
|
$2M+ |
daily settlement volume |
10+ |
chains supported |
0.8% |
flat per-transaction fee |
<15m |
from npm install to live checkout |
Wallets integrated: OKX Wallet · TokenPocket · imToken · ShapeShift · MetaMask
Mainnet contracts live on Arbitrum (PaymentRouter 0x4b32...743f, SubscriptionManager 0xBC7a...0C66). BSC, Polygon, and Ethereum mainnet ship after their respective audits land.
The contracts contain no owner-withdrawal function, no admin pause, no upgrade path that could redirect merchant balances. Open-source. On-chain verifiable. Read it yourself.
Vulnerability disclosure: [email protected] — responsible-disclosure handled in good faith.