FAQ
Questions, answered plainly
What Vorixpay does, what it costs, what it cannot do, and what has not been done yet. The same answers a person reads here are the ones a machine is handed.
Last updated: 22 September 2026
The basics
What is Vorixpay?
Vorixpay is a non-custodial payment gateway for stablecoins. It lets a business accept USDT and USDC on-chain: each payment goes to an address that can forward the money to exactly one place — the wallet the merchant registered — so Vorixpay never holds the funds at any point.
Does Vorixpay hold my money?
No. Vorixpay is non-custodial. A payment goes to a smart-contract address that can only pay out to the wallet you registered and a fee to Vorixpay. There is no balance held with us to withdraw, freeze or top up, and no moment where your money sits in our custody.
Do I need KYC to use Vorixpay?
No identity verification is required to open a merchant account and start accepting payments today. Vorixpay does not run KYC on merchants or their customers. If a regulator ever requires it, that change would be announced before it took effect.
How does getting paid work?
You register a payout wallet once by signing a message with it. For each payment you create an invoice and get an address to receive it. When a payment confirms on-chain, a contract collects it: your share to your registered wallet, the fee to us — in one transaction.
Money and fees
What are the fees?
Vorixpay charges a percentage of each payment, set per network, plus a small minimum fee per token. The rate is 1% on BNB Smart Chain, 2% on Ethereum. There is no monthly fee, no setup fee, and nothing owed on an invoice nobody pays. The network gas cost of collecting your funds is included.
Which blockchains and tokens are supported?
Vorixpay supports USDT and USDC on BNB Smart Chain and Ethereum, and on both of their test networks. Which networks and tokens are available can change; the current list is shown when you create an invoice.
Are stablecoin payments refundable?
No. A confirmed blockchain payment is final and cannot be reversed by us, the customer or the network — there are no chargebacks. To refund a customer you send them a new payment yourself from your own wallet. We can show you what was received; we cannot undo it.
What happens if a customer underpays or overpays an invoice?
Each outcome is handled explicitly rather than guessed. An underpayment is recorded as such and can be settled or topped up; an overpayment is credited in full. Money that arrives after an invoice expires still reaches your wallet. Nothing paid to your address is lost.
Security and trust
Can Vorixpay move my funds somewhere else?
No, and this is enforced by the contract, not by a promise. A payment address has no destination parameter, no owner, and no upgrade path. It can send collected funds only to the wallet you registered and a fee to the treasury. Vorixpay cannot redirect a wallet you have already registered.
Are the Vorixpay smart contracts audited?
No. The contracts are live on BNB Smart Chain and Ethereum mainnet and have not had an external security audit. They are small and deliberately featureless, but small is not the same as audited. Size the money you route through them accordingly, and read them yourself — they are verified on every explorer.
What happens to my money if Vorixpay goes offline?
Your money does not go anywhere it could not already go. It sits at an address that can still only pay your registered wallet, and the contracts stay on-chain and callable by anyone. You can collect it yourself with the parameters each address was derived from, which Vorixpay exports on request. You lose convenience and gas, not funds.
How do I change my payout wallet safely?
A change must be signed by the wallet currently registered, and then waits 24 hours before it applies. During that window it is emailed to you and sent as a webhook, and you can cancel it from your dashboard — so a change you did not make is visible before it can take effect.
For developers
How do I integrate Vorixpay?
With a REST API. One POST request creates an invoice — you set the amount, token and network and get back a checkout link and a deposit address. A signed webhook tells you when the payment confirms. There is no blockchain infrastructure for you to run.
Does Vorixpay send webhooks?
Yes. Vorixpay sends a signed webhook for payment and wallet events, with automatic retries and a delivery log you can inspect. Each request carries a signature so you can verify it came from Vorixpay.
Still have a question?
The docs cover the API in full, and the security page explains the custody model mechanism by mechanism.