ZEROFEE API / 2026-08

Launch one money infrastructure.

A unified API for cards, bank and stablecoins. Sandbox simulates the complete lifecycle and never moves real assets.

POST /v1/payment-intents
Authorization: Bearer $ZERO_FEE_KEY
Idempotency-Key: order_1842

{ "amount": "125.00", "currency": "USD",
  "methods": ["card", "bank", "USDC"],
  "settlement": "merchant_choice" }

API MODULE

Payment Intents

The object unifying amount, customer, payment methods, risk and settlement policy.

POST /v1/payment-intents

amount	decimal string
methods	card \| bank \| USDC \| USDT
settlement	fiat \| stablecoin \| merchant_choice

API MODULE

Checkout & subscriptions

An embeddable component with local pricing, subscriptions, recovery and eligibility-based financing.

<ZeroCheckout />

mode	payment \| subscription
customer_ref	your customer ID
recovery	smart retry policy

API MODULE

Marketplace payouts

Split one transaction across platform, seller and suppliers, with ledger and KYC/KYB per party.

POST /v1/transfers

intent_id	settled intent
splits	recipient + amount
payout_method	bank \| card \| stablecoin

API MODULE

Stablecoin settlement

Customers pay on any rail while the business chooses settlement. Quote, conversion, escrow and finality share one ledger.

settlement: merchant_choice

assets	USDC \| USDT \| fiat
network	policy-selected rail
finality	pending \| verified

API MODULE

Webhooks

Signed events include delivery IDs for idempotency and retries.

payment.settled

subscription.renewed	cycle paid
payout.completed	recipient funded
dispute.opened	case created

SECURITY

Clear responsibility boundaries.

Encrypted secrets, hashed API keys, server authorization and provider signature verification.

Security and compliance center →