PaySovra is designed around a single, verifiable principle: your funds go directly to your wallet. No holding periods, no custody risk, no permission required to withdraw.
PaySovra never holds merchant funds at any point in the settlement flow. Payments are routed on-chain directly to the wallet address you configure at setup. There is no PaySovra escrow, holding account, or omnibus wallet involved.
You supply your own wallet address during onboarding. Only you control the private key. PaySovra cannot move, withhold, or reallocate funds in a wallet you own.
Crypto settlements are irreversible once confirmed on-chain. Unlike traditional card payments, there is no chargeback risk, no dispute window, and no reversal mechanism available to either party.
PaySovra does not require identity verification from merchants or customers to complete payments. You connect your wallet and start accepting immediately. Compliance requirements depend on your own jurisdiction — PaySovra is not a money transmitter.
All API requests use Bearer token authentication. Keys are scoped (test vs. live), rotatable at any time from the dashboard, and never logged in API responses.
Every webhook payload is signed with HMAC-SHA256 using a per-merchant secret you store. Always verify the signature before processing any event.
Multi-chain support is additive. Your integration doesn't change when new chains are added. PaySovra normalizes chain-specific UX so your customers always see the same checkout experience.
Stablecoins like USDC and USDT track the US dollar, protecting merchants from price volatility at settlement. New assets are added over time — your integration never changes.
Questions about our security model or custody architecture?