Payment gatewayCrypto and bankBy S-SERVER
The payment gateway built with precision.
Accept crypto and bank payments globally with bank-level security. Your customers pay on S-PayWay checkout, and your site gets a signed callback when the transaction is paid. Integrate once, scale forever.
- 15 free payments every day. No credit card required.
- Set up in about 15 minutes with the PHP SDK.
- 0% fees on Binance C2C payments.
- Cronjob service included with every license.
Sample data
15-minute setup
Create a store, copy your API key and connect your site with the PHP SDK.
0% on Binance C2C
USDT and USDC through Binance C2C, with no fee from S-PayWay.
AEGIS security
Signed requests, timestamp checks, IP whitelisting and rate limiting on every call.
Free updates
Every plan, the free one included, gets new features and security updates.
From order to paid, in four steps.
Your site creates a transaction, your customer pays on S-PayWay checkout, and your site is told the result.
- Step 1
Create a store
In the merchant panel, add your store, turn on the payment methods you want and make an API key.
- Step 2
Create a transaction
Your server sends the order to the S-PayWay API, signed with your private key, and gets a payment link back.
- Step 3
Customer pays
The customer opens S-PayWay checkout and pays with USDT, USDC, Binance or a supported bank.
- Step 4
Your site is told
S-PayWay calls your callback URL with the result, and your account webhook if you turn it on, both signed, so your site can trust them.
One signed request.
Every call carries your merchant ID, a timestamp and an HMAC-SHA256 signature made with your private key. The private key itself never travels.
- Merchant ID and API keyShown in API Management. The API key starts with SAPI-.
- Private keyShown once when the key is made. It stays on your server.
- Callback URLSet per key, and saved only after a signed test call reaches it.
- IP whitelistingLimit a key to your own server addresses.
- Account webhookOne address gets every paid transaction of every store, signed with your webhook secret. Set it in Developers, Webhooks.
- Access token (SAT)Your server reads your transactions with it. Make it in Account, API access, and lock it to your server's IP.
$gateway = new \S_PayWay\Gateway($merchantId, $apiKey, $privateKey); $result = $gateway->createINV([ 'goods' => [ 'reference_id' => 'ORDER-10492', 'name' => 'Premium plan', 'description' => '12 months', 'quantity' => 1, 'unit_price' => 25.00, ], 'customer' => [ 'id' => '1042', 'fullname' => 'Sok Dara', 'email' => '[email protected]', ], 'paid_url' => 'https://yourshop.com/paid', 'cancel_url' => 'https://yourshop.com/cart', ]); header('Location: ' . $result['payment_url']);
POST https://api.s-payway.com/v3/invoices/ Content-Type: application/json S-PayWay-Merchant-ID: 100245 S-PayWay-API-KEY: SAPI-... S-PayWay-Timestamp: 1767225600000 S-PayWay-Request-ID: a1b2c3d4... S-PayWay-Signature: 7c1e...a94f { "goods": { ... }, "customer": { ... }, "paid_url": "...", "cancel_url": "...", "timestamp": 1767225600000 } Timestamp in milliseconds. Signature = HMAC-SHA256(merchant_id:timestamp:body, private key)
$raw = file_get_contents('php://input'); $timestamp = $_SERVER['HTTP_S_PAYWAY_TIMESTAMP'] ?? ''; $signature = strtolower($_SERVER['HTTP_S_PAYWAY_SIGNATURE'] ?? ''); $expected = hash_hmac('sha256', $timestamp . ':' . $raw, $privateKey); if (!hash_equals($expected, $signature)) { http_response_code(401); exit; } $call = json_decode($raw, true);
S-PayWay sends every paid transaction to your webhook: POST, event payment.completed, headers S-PayWay-Event, S-PayWay-Event-ID, S-PayWay-Timestamp, S-PayWay-Signature. Answer 200 within 20 seconds. $raw = file_get_contents('php://input'); $timestamp = $_SERVER['HTTP_S_PAYWAY_TIMESTAMP'] ?? ''; $signature = $_SERVER['HTTP_S_PAYWAY_SIGNATURE'] ?? ''; $eventId = $_SERVER['HTTP_S_PAYWAY_EVENT_ID'] ?? ''; $expected = hash_hmac('sha256', $timestamp . ':' . $raw, $webhookSecret); if (!hash_equals($expected, $signature) || abs(time() - (int) $timestamp) > 300) { http_response_code(401); exit; } if (alreadyHandled($eventId)) { http_response_code(200); exit; } $event = json_decode($raw, true); $event['data']['invoice_id'], ['total_usd'], ['goods']['reference_id'] ... http_response_code(200);
Read your transactions from your server with your access token (SAT). GET https://api.s-payway.com/transactions/?page=1 Authorization: Bearer SAT_... ?id=883660 one transaction ?reference=ORDER-10492 your own order number ?page=1 20 a page, newest first { "success": true, "count": 1, "data": [{ "invoice_id": 883660, "reference_id": "ORDER-10492", "total_usd": "25.00", "status": "Paid", "payment": { ... }, "created_at": "1791704100" }] }
Everything you need to accept payments
Secure, fast and smooth. Built for businesses that need reliability and scale.
Easy to use
A simple, clear payment gateway for easy integration and smooth transactions.
Continuous updates
Lifetime free updates with the latest security technology for all plans, free users included.
Starter kit
Start connecting the API to your website quickly, without removing features you do not need.
API ready
Change the endpoint and see your own data within seconds. A full REST API.
Excellent support
A dedicated team ready to help, with quick answers through responsive support channels.
Well documented
Easy-to-follow docs with references and code examples for fast integration.
Payment methods your customers already use.
Turn each one on in the merchant panel and choose where it pays you out. Checkout shows only the ones you turned on.
Binance
USDT in BinanceC2C, 0% fee
USDC in BinanceC2C, 0% fee
USDT TRC20Off-chain
USDT BEP20Off-chain
USDC BEP20Off-chain
USDT
USDT TRC20Tron
USDT BEP20BNB Chain
USDT SolanaSolana
USDT TONTON
USDC
USDC BEP20BNB Chain
USDC SolanaSolana
Banks
KASTGlobal
ABA BankCambodia
Bakong KHQRCambodia
PixBrazil
PayStationBangladesh
Need a bank that is not listed? Any bank worldwide can be added. Ask us on Telegram and we will add the payment method you need.
Bank-level protection for your business.
Our AEGIS security system has prevented all breach attempts since founding. Your transactions are safe with us.
HMAC-SHA256 authentication
Every API request is signed, so it cannot be changed or forged on the way.
IP whitelisting
Lock a key to your server addresses. Even with stolen credentials, other servers are blocked.
Timestamp validation
Precise time checks on every request stop replay attacks. Expired or future requests are refused.
Intelligent rate limiting
Brute force patterns are detected and blocked, while normal traffic keeps flowing.
Comprehensive validation
Every field is checked in several layers. Malformed payloads and injection attempts are caught at once.
Instant threat alerts
Suspicious activity is reported right away, and every blocked attempt is logged for your audit trail.
Your merchant account is protected too
Signing in and every risky change are checked twice.
Get started in minutes.
Watch our step-by-step integration playlist and start accepting payments today. It walks you through every step, from the first setup to handling callbacks.
- Step-by-step API integration walkthrough
- Real code examples and good practice
- Webhook and callback setup
- Testing and going live checklist
Cronjob service, included.
Run your scheduled tasks on S-PayWay too: syncing orders, checking stock, cleaning up. Every license includes cronjobs, and you see every call.
Seconds, minutes or hours. Many calls run at once, so a slow site never holds up the others.
Time, result, duration and the start of the reply, right in your panel.
Basic 10, Premium 25, Enterprise 60. More from your balance, from $0.50.
Plans designed for you.
All plans include advanced features to boost your business. Pay monthly, or save with a longer term.
- 60 checkouts per minute
- 60 paid transactions daily
- 10 cronjobs included, until the license ends
- 3 stores
- 3 APIs
- Instant transaction confirmation
- Basic support
- 120 checkouts per minute
- 360 paid transactions daily
- 25 cronjobs included, until the license ends
- 5 stores
- 5 APIs
- Instant transaction confirmation
- Premium support
- Unlimited checkouts per minute
- Unlimited transactions daily
- 60 cronjobs included, until the license ends
- Stores not counted
- APIs not counted
- Instant transaction confirmation
- VIP support
Or start without a plan.
- 25 checkouts per minute
- 15 paid transactions daily
- 5 free cronjobs, 3 days each
- 1 store
- 1 API
- Instant transaction confirmation
- 120 checkouts per minute
- No daily limit
- 5 free cronjobs, 3 days each
- 5 stores
- 5 APIs
- Charged only when a customer pays
- Switch back to a plan any time
What a license includes.
Basic 60, Premium 360, Enterprise with no daily limit. Without a license: 15 a day.
Basic 10, Premium 25, Enterprise 60. They run until your license ends and go on when you renew. Without a license: 5 free cronjobs, 3 days each.
3 months $0.50, 6 months $1.00, 12 months $2.00. You choose license or balance when you create one.
3 months $0.49, 6 months $0.99, 12 months $1.49, paid from your balance, any time.
How daily limits work.
Only paid transactions count, over the last 24 hours, not a calendar day. Each one frees up 24 hours after it was paid.
From two thirds used, your panel, Telegram and the API tell you how many are left and when the next one frees up.
At the limit only new payments pause. A customer who has already paid is always credited, and S-PayWay keeps working.
Upgrade your plan, or switch to Pay as you go in Billing and keep taking payments with no daily limit.
Every account starts free with 15 paid transactions a day and 5 free cronjobs. No credit card required.
Frequently asked questions
Something not covered here? Ask us directly.
What makes S-PayWay's security better than other providers?
Our AEGIS security system combines several layers of protection: HMAC-SHA256 signed requests, precise timestamp checks, IP whitelisting, intelligent rate limiting and strict validation of every field. This approach has prevented all breach attempts since our founding.
How quickly can we integrate S-PayWay?
Most payment systems take hours or days to integrate. S-PayWay can be up and running in as little as 15 minutes with the PHP SDK, saving your team time.
What payment methods does S-PayWay support?
USDT and USDC stablecoins on chain, Binance C2C with 0% fees, and banks such as ABA, Bakong KHQR, Pix and PayStation. Any bank worldwide can be added: if a method is not on the setup page, contact us and we will add the payment solution you need.
Where do my customers pay?
On S-PayWay checkout. Your site creates a transaction through the API and sends the customer to the payment link it gets back. The customer sees only the methods you turned on.
How does my site know a payment is done?
S-PayWay calls the callback URL you set for your API key, signed with HMAC-SHA256 and your private key, so your site can check it really came from S-PayWay before it delivers the order. You can also turn on one account webhook that gets every paid transaction of every store, and read any transaction with your access token (SAT).
What happens when I reach my daily limit?
S-PayWay keeps working. Your plan counts paid transactions over the last 24 hours; at the limit, new payments pause until the oldest one is 24 hours old, and a customer who has already paid is always credited. You are warned from two thirds used, in your panel, by Telegram and in the API's replies, so you can upgrade or switch to Pay as you go in time.
How does Pay as you go work?
Instead of a plan, each paid transaction costs $0.01 from your S-PayWay balance, with no daily limit, 5 stores and 5 APIs. You are warned when the balance runs low; below one transaction's price, new payments pause until you top up. Switch between a plan and Pay as you go any time in Billing.
What does a license include?
Two things: paid transactions every day and cronjobs. Basic: 60 paid transactions a day and 10 cronjobs. Premium: 360 a day and 25 cronjobs. Enterprise: no daily limit and 60 cronjobs. Included cronjobs run until your license ends and go on when you renew it. Without a license you get 15 paid transactions a day and 5 free cronjobs for 3 days each.
What if I need more cronjobs?
Add as many as you need from your S-PayWay balance for 3, 6 or 12 months, and extend any cronjob the same way. When you create one, you choose whether it uses your license or your balance.
Do all plans include free updates?
Yes. Every plan, including the free one, receives lifetime free updates with the latest security technology to keep your payments secure and your integration up to date.
Talk to us
Have questions about integrating S-PayWay? Our team is here to help you get started quickly and smoothly.
For developers
Everything you need to connect your site.
Ready to get started?
Start free with 15 payments a day. No credit card required.