The Payment Pipeline

What happens when a customer pays through your Futurum-powered checkout.

1

Customer Initiates Checkout

Your customer clicks "Pay" on your site. The Futurum checkout widget opens — either as an embedded form or a redirect — presenting debit card and wallet payment options.

The widget is a single JavaScript snippet you drop into your checkout page. It handles all UI, validation, and payment method selection automatically.

2

Debit Authorization

The customer enters their debit card details. The payment is authorized in real time through our secure processing pipeline.

For wallet payments, the customer connects their crypto wallet and approves a USDC transfer directly — skipping the debit step entirely.

3

Identity Verification (Plaid)

A one-time identity verification through Plaid ensures the customer is who they say they are. This step is only required on the customer's first transaction.

Plaid connects securely to the customer's bank to verify identity. Subsequent purchases skip this step — the verification is remembered.

4

USDC Conversion

The authorized payment amount is instantly converted to USDC (a dollar-pegged stablecoin). This locks in the exact dollar value on the blockchain.

USDC is backed 1:1 by US dollars held in reserve. There is no price volatility — $100 in always equals $100 out.

5

Blockchain Confirmation (Polygon)

The USDC transaction is submitted to the Polygon network and confirmed in approximately 2 seconds. The transaction becomes immutable and publicly verifiable.

Polygon provides fast, low-cost blockchain finality. Gas fees (~$0.005/tx) are fully absorbed by the platform — merchants pay nothing extra.

6

USD Settlement

Once confirmed on-chain, the USDC is converted back to USD and deposited into your merchant account. The entire process takes under 15 seconds.

Settlement is net of your processing fee (2.9% – 5.9% depending on your volume tier). No per-transaction flat fees. No hidden charges.

7

Webhook Notification

Your server receives a real-time webhook notification at each stage of the payment lifecycle — from authorization through settlement.

Webhook events include: payment.created, payment.authorized, payment.converting, payment.blockchain_confirmed, and payment.settled.

Transparent Fee Structure

Three simple components. No hidden fees. Processing rates decrease as you grow.

$497

Onboarding Fee

One-time

$47/mo

Platform Subscription

Monthly

5.9%

Starter Processing

$0 – $24,999 volume

4.9%

Standard Processing

$25,000 – $49,999 volume

3.9%

Growth Processing

$50,000 – $99,999 volume

2.9%

Enterprise Processing

$100,000+ volume

Polygon gas fees (~$0.005/tx) are fully absorbed by the platform. No per-transaction flat fees.

Getting Started

From sign-up to live payments in six steps.

1

Create Your Merchant Account

Sign up, pay the one-time $497 onboarding fee and $47/month platform subscription, and receive your API credentials.

2

Add a Site & Get API Keys

Create a site in your dashboard. Each site gets unique live and test API keys, plus a sandbox mode for development.

3

Drop In the Checkout Widget

Copy the integration snippet from your site's dashboard and paste it into your checkout page. One line of JavaScript.

4

Configure Webhooks

Set your webhook URL in the site settings. We'll send real-time payment status updates to your server.

5

Run a Test Payment

Use the sandbox test payment feature in your Sites tab to verify everything works before going live.

6

Go Live & Monitor

Switch your site from sandbox to live mode. Track transactions, revenue, and analytics in real time from your dashboard.

Why Stablecoin-Backed Payments?

Instant Settlement

Payments settle in under 15 seconds — not 2–3 business days like traditional processors.

Immutable Records

Every transaction is recorded on the Polygon blockchain. No disputes over whether a payment was made.

No Chargebacks

Blockchain-confirmed payments are irreversible. Eliminate chargeback fraud entirely.

Lower Fees at Scale

Processing fees automatically decrease from 5.9% to 2.9% as your monthly volume grows.

Bank-Grade Compliance

Plaid identity verification, PCI-compliant card handling, and full regulatory compliance.

Full Transparency

Track every transaction stage in real time. Every payment is recorded immutably on the Polygon blockchain.

Common Questions

Frequently Asked Questions

Answers to the questions high-risk merchants ask most.

Ready to Get Started?

Set up your merchant account in minutes and start accepting blockchain-backed payments today.

How FuturumPay Works