Accept your first payment

Five steps from sign-up to a working checkout.

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

amount is in USDC. The customer can pay it as USDC or USDT-equivalent.

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"
}

Sessions expire after 30 minutes with no deposit.

Redirect and listen

Send the customer to checkout_url. They can pay in USDC on 19 chains, USDT on 14 chains, or M-Pesa (KES). When settlement completes, Minisend POSTs to your configured webhook URL:

{
  "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"
}

Or poll the session status endpoint, which needs no authentication.

Overview How it works