Minisend Merchant FAQ: payments and settlement

What stablecoins and currencies do you support?

USDC on 19 chains, USDT on 14 chains. Same deposit address for both.Settles to KES, NGN, GHS, UGX via M-Pesa, Buy Goods, Paybill, mobile money, or bank transfer depending on the currency. Configure once in Settings.

What blockchains does Minisend support?

USDC (19): Base (primary), Arbitrum, Avalanche, Codex, EDGE, Ethereum, HyperEVM, Ink, Linea, Monad, Morph, Optimism, Plume, Polygon, Sei, Sonic, Unichain, World Chain, XDC.USDT (14): ADI, Arbitrum, Aurora, Avalanche, Bera, BNB Chain, Ethereum, Gnosis, Monad, Optimism, Plasma, Polygon, Scroll, XLayer.See supported networks.

How fast is settlement?

USDC on Base — fastest. Settlement starts immediately.
USDC on another chain — CCTP bridge to Base, then settle. A few minutes.
USDT on any chain — swap to USDC on Base in 30–50 seconds, then settle.

After USDC is on Base, the M-Pesa/bank/mobile money transfer follows provider timing. You receive a checkout.completed webhook and see completed in the dashboard.

Do I need to know anything about crypto?

No. Customers send stablecoins; you receive local currency. Your only interactions are the Minisend dashboard and your existing bank or mobile money account.

What if a customer's payment doesn't arrive?

Sessions expire after 30 minutes with no deposit. Expired sessions appear with Expired status and are not charged. Minisend also sends a checkout.expired webhook.

If a customer says they paid but the session expired, ask for the transaction hash and address — they may have sent to the wrong address or on an unsupported chain.

What is an external_id?

Your own reference passed at session creation (e.g., order-4821). Echoed back in every webhook for that session — match payments to orders without maintaining a session-to-order mapping.Optional, but strongly recommended for any system with order records.

What if settlement fails?

Rare. Status moves to Failed and Minisend sends checkout.failed. Contact support with the session_id.

Customer funds are not lost. Minisend will investigate and contact you.

Can I use Minisend without writing code?

Yes. Set a slug in Settings and share your payment link:

https://merchant.minisend.xyz/pay/your-slug

Customers visit, enter an amount, send USDC or USDT. You receive local currency.

How do I test my integration?

Create a session via API with amount: 1.00.
Open the checkout_url.
Pay from a real wallet.
Confirm your webhook gets checkout.completed.
Check the dashboard for Completed.
Verify funds in your payout account.

No sandbox — tests use real funds. Use the smallest practical amount.

How do I get higher rate limits?

Default is 60 req/min/IP. If you’re hitting 429s, contact support.

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