Payment Infrastructure for Web3: Building on Crypto-Native Rails

Why Web3 Services Need Crypto Payment Infrastructure

Web3 platforms - exchanges, DeFi protocols, NFT marketplaces, and blockchain services - face unique payment requirements:

• Need to accept fiat on-ramps for new users
• Want instant settlement (not 3-day ACH)
• Require global payment acceptance
• Must integrate with existing crypto infrastructure
• Prefer non-custodial architecture
• Need developer-friendly APIs

The Traditional Payment Paradox

Crypto platforms face an ironic challenge:

• You build on blockchain for decentralization
• But traditional payment processors are centralized gatekeepers
• They can deny service or freeze accounts
• High fees (3-5%) on already-thin margins
• Slow settlement doesn't match blockchain speed

Crypto-Native Payment Infrastructure

1. Built on Blockchain Rails

VirdisPay uses the same infrastructure your platform does:

• Payments settle on-chain
• No intermediary custody
• Full transparency and auditability
• Compatible with your existing wallet infrastructure

2. Multi-Chain Support

Accept payments across networks:

• Ethereum
• Polygon (low fees)
• Binance Smart Chain
• Arbitrum
• Optimism
• ...and more

3. Smart Routing

Automatic network optimization:

• Routes to cheapest network automatically
• Saves users on gas fees
• Better UX without user decisions
• Polygon for small transactions ($0.01 fee)

4. Developer-First API

Built for blockchain developers:

• RESTful API with WebSocket support
• Webhook notifications for payments
• TypeScript/JavaScript SDKs
• Comprehensive documentation
• Testnet support

Use Cases

Cryptocurrency Exchanges

Fiat On-Ramps:

• Users buy crypto with stablecoins
• Lower fees than credit cards
• Instant deposits to start trading
• No chargeback risk

Example Flow:

1. User wants to buy $1000 of BTC
2. Pays $1000 USDC via VirdisPay
3. Exchange receives USDC instantly
4. Exchange credits user account
5. User trades for BTC immediately

DeFi Platforms

Protocol Fees & Revenue:

• Collect protocol fees in stablecoins
• Non-custodial fee collection
• Direct treasury deposits
• Transparent on-chain accounting

NFT Marketplaces

Fiat Purchase Options:

• Let users buy NFTs with USDC
• No need for ETH for gas
• Easier onboarding for non-crypto users
• Instant settlement to creators

Web3 SaaS

Subscription Billing:

• Monthly subscriptions in USDC
• Automatic recurring payments
• No credit card processors needed
• Global billing with no friction

Technical Implementation

Basic Integration

// Initialize VirdisPay
import VirdisPay from '@virdispay/sdk';

const vp = new VirdisPay({
  apiKey: process.env.VIRDISPAY_API_KEY,
  network: 'polygon'
});

// Create payment
const payment = await vp.createPayment({
  amount: 100,
  currency: 'USDC',
  metadata: {
    userId: user.id,
    orderId: order.id
  }
});

// Listen for confirmation
vp.on('payment.confirmed', (payment) => {
  // Credit user account
  await creditUserBalance(payment.metadata.userId, payment.amount);
});

WebSocket Real-Time Updates

// Real-time payment notifications
const ws = vp.createWebSocket();

ws.on('payment.pending', (payment) => {
  updateUI('Processing...');
});

ws.on('payment.confirmed', (payment) => {
  updateUI('Payment confirmed!');
  enableTrading();
});

Webhook Integration

// Express.js webhook handler
app.post('/webhooks/virdispay', async (req, res) => {
  const event = req.body;
  
  // Verify signature
  if (!vp.verifyWebhook(req.headers, req.body)) {
    return res.status(401).send('Invalid signature');
  }
  
  switch (event.type) {
    case 'payment.confirmed':
      await handlePaymentConfirmed(event.data);
      break;
    case 'payment.failed':
      await handlePaymentFailed(event.data);
      break;
  }
  
  res.status(200).send('OK');
});

Non-Custodial Architecture

VirdisPay never holds funds:

• Direct wallet-to-wallet transfers
• You control your private keys
• Funds arrive directly in your treasury
• No custody risk or liability
• Full auditability on-chain

Pricing for High Volume

Built for Web3 scale:

• Standard: 0.5% per transaction
• Volume discounts: Contact for enterprise pricing
• Gas fees: ~$0.01 on Polygon
• No monthly minimums
• No setup fees

Compliance Built-In

For regulated Web3 services:

• Built-in KYC/AML screening
• Transaction monitoring
• Compliance reporting
• Sanctions list checking
• Audit trails

Real-World Examples

"We integrated VirdisPay for our DEX fiat on-ramp. Users can now fund accounts instantly with USDC instead of waiting days for wire transfers. Our user activation rate improved 60%."

"As an NFT marketplace, we needed a way for non-crypto users to buy NFTs easily. VirdisPay lets them pay in USDC without needing ETH for gas. Sales from new users increased 3x."

Advanced Features

Batch Processing

Process multiple payments efficiently:

• Bulk payout APIs
• Creator/affiliate payments
• Airdrop distributions
• Reduced gas costs

Smart Contract Integration

Trigger smart contracts on payment:

• Automatic token minting
• NFT reveals on payment
• Staking rewards distribution
• Governance token vesting

Analytics & Reporting

Built for crypto businesses:

• Real-time transaction dashboard
• On-chain verification links
• Export transaction history
• Revenue analytics
• Gas fee optimization reports

Why Crypto Services Choose VirdisPay

• Crypto-native: Built on blockchain, not traditional rails
• Non-custodial: You control your funds
• Developer-friendly: Clean APIs and great docs
• Multi-chain: Support all major networks
• Low fees: 0.5% vs 3-5% traditional
• Instant: 2-3 second settlements
• Global: Accept payments worldwide

Getting Started

1. Sign up: app.virdispay.com
2. Get API keys: Instant access to testnet
3. Integrate: Use SDK or REST API
4. Test: Use testnet tokens
5. Go live: Deploy to production
6. Scale: Contact for volume pricing

Conclusion

For Web3 and crypto services, traditional payment infrastructure doesn't match your technology or values. VirdisPay provides crypto-native payment rails that:

• Settle on-chain in seconds
• Work across multiple blockchains
• Never take custody of funds
• Charge fair, transparent fees
• Scale with your platform

Build payments that match your Web3 vision.