UTOPAY SDK — payment gateway API for cards and crypto

Official API clients for UTOPAY — a payment gateway for high-risk and international businesses. Accept cards, Apple Pay, Google Pay, PayPal, Revolut and crypto (USDT, ETH, BNB and more) and get paid straight to your own wallet.

Card & wallet payments	4.5% all-in, paid out in USDC on Polygon — card gateway
Crypto payments	1.5% + network fee, forwarded on-chain to your wallet — crypto gateway
Without an account	POST /v1/pay, POST /v1/crypto/pay with just a wallet address
Webhooks	HMAC-SHA256 signed — verification helpers included
Docs	utopay.app/docs · API overview · OpenAPI spec

Clients

Language	Folder	Dependencies
Node.js 18+ (TypeScript types included)	node/	none — uses built-in fetch
PHP 7.4+	php/	ext-curl, ext-json
Python 3.8+	python/	none — standard library only

Each client is a single file: copy it into your project or install it from this repository.

Quick start

Node.js

const { Utopay } = require('./node/utopay');
const utopay = new Utopay(process.env.UTOPAY_SK); // utopay_sk_live_… or utopay_sk_test_…

// Card / Apple Pay payment → USDC to your wallet
const order = await utopay.createPayment({ amount: 49.9, currency: 'EUR', description: 'Order #1042' });
console.log(order.checkout_url); // redirect the buyer here

// Crypto payment → straight to your wallet
const crypto = await utopay.createCryptoPayment({ coin: 'bep20/usdt', amount: 100, currency: 'USD' });

PHP

require 'php/src/Utopay.php';
$utopay = new \Utopay\Utopay(getenv('UTOPAY_SK'));
$order = $utopay->createPayment(['amount' => 49.90, 'currency' => 'EUR', 'description' => 'Order #1042']);
header('Location: ' . $order['checkout_url']);

Python

from utopay import Utopay
utopay = Utopay(os.environ["UTOPAY_SK"])
order = utopay.create_payment(amount=49.90, currency="EUR", description="Order #1042")
print(order["checkout_url"])

No account at all

const utopay = new Utopay(); // no key
const order = await utopay.createCryptoPaymentNoAccount({
  coin: 'polygon/usdt', amount: 25, currency: 'USD', payout_address: '0xYourWallet…',
});

Webhooks

// Express: use the RAW body
app.post('/hooks/utopay', express.raw({ type: 'application/json' }), (req, res) => {
  const event = Utopay.verifyWebhook(req.body, req.get('x-utopay-signature'), process.env.UTOPAY_WHSEC);
  if (event.event === 'payment.succeeded') { /* mark event.data.id as paid */ }
  res.sendStatus(200);
});

Events: payment.succeeded, payment.underpaid, payment.expired, payment.failed. See webhooks.

Examples

• examples/node-express-webhook.js — create a payment and confirm it by webhook
• examples/telegram-bot.py — a Telegram bot that sells access for USDT or by card
• examples/php-checkout.php — minimal PHP checkout + webhook

No-code options

• Payment links — share a link, get paid by card or Apple Pay
• CMS plugins — WooCommerce, WHMCS, OpenCart, PrestaShop, MODX, Easy Digital Downloads, Paid Memberships Pro, Tilda

Links

• Website: https://utopay.app
• Documentation: https://utopay.app/docs
• Crypto gateway: https://utopay.app/crypto · Accept USDT: https://utopay.app/crypto/usdt
• High-risk merchants: https://utopay.app/high-risk-merchant-account
• Support: info@utopay.app · Telegram @UtoPayApp

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Русский. Официальные клиенты API платёжного шлюза UTOPAY для Node.js, PHP и Python: приём карт, Apple Pay, PayPal и криптовалюты с выплатой на ваш кошелёк. Документация — utopay.app/ru/docs.

License: MIT