Accept your first payment

Five steps from signing up to taking a real payment. You’ll need a server that can make HTTPS requests, and that’s it.

Create an account at merchant.minisend.xyz with email or Google. You’ll land on your merchant dashboard.

Configure your payout

In Settings, set your business name, payout currency (KES, NGN, GHS, or UGX), and payout method (M-Pesa, mobile money, or bank). This is where Minisend sends your local currency after every successful payment.

Generate an API key

Open API Keys → New Key. Copy the ms_live_... value immediately; it’s shown only once.

Never expose your API key in frontend code or public repos. Call the checkout endpoint from your backend only.

Create a checkout session

Do this from your server. amount is in USDC, a digital dollar worth 1 US dollar. Your customer can pay it in USDC or the same amount in USDT.

curl -X POST https://merchant.minisend.xyz/api/merchant/checkout \
  -H "Authorization: Bearer ms_live_your_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25.00,
    "description": "Order #4821",
    "external_id": "order-4821"
  }'

const res = await fetch('https://merchant.minisend.xyz/api/merchant/checkout', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer ms_live_your_key_here',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    amount: 25.00,
    description: 'Order #4821',
    external_id: 'order-4821',
  }),
});

const session = await res.json();
// Redirect your customer to session.checkout_url

Response (201):

{
  "session_id": "cs_7f8a9b2c-...",
  "checkout_url": "https://merchant.minisend.xyz/checkout/cs_7f8a9b2c-...",
  "deposit_address": "0x1234...5678",
  "amount_usdc": 25.00,
  "expires_at": "2026-04-13T14:30:00Z",
  "status": "pending"
}

If nobody pays within 30 minutes, the session expires.

Send your customer to the payment page

Open checkout_url for your customer. They can pay in USDC or USDT on any of six networks, or with M-Pesa. Once you’ve been paid, we send this message (a webhook) to the URL you set under Dashboard → Webhooks:

{
  "event": "checkout.completed",
  "session_id": "cs_7f8a9b2c-...",
  "amount_usdc": 25.00,
  "amount_local": 3225.00,
  "currency": "KES",
  "exchange_rate": 129.00,
  "receipt": "SHQ1234ABC",
  "status": "completed",
  "external_id": "order-4821",
  "completed_at": "2026-04-13T14:08:22Z",
  "created_at": "2026-04-13T14:00:00Z"
}

Prefer to check yourself? Call the session status endpoint. It doesn’t need an API key.

Get Started

Dashboard

Payments

Off-ramp API

Onramp API

Wallet API

Webhooks

Help

Accept your first payment