PayFi: One simple solution for creators anywhere. Only 1% cut.

  • Sell anything, anywhere. Paid by stable USDT/USDC.
  • No crypto? No problem. Buyers can get USDT/USDC with Apple Pay on iPhone, Google Pay on Android, or any card — MoonPay, Transak, Ramp and more. The checkout shows them how.
  • Keep 99% — flat 1% fee. No hidden fees, no tiers, no traps. Accept payments in seconds, not days, thanks to the Solana Network.
  • Works in any store — WordPress, Kajabi, Shopify. Paste your link, no plugin needed.
  • No account. No KYC. Just your wallet. Link ready to paste in your bio. Works while you sleep. Period. Plug-and-Play: Live in minutes.
For creators, sellers and anyone receiving funds

Four ways PayFi delivers, the moment a payment lands

Pick a model, then run a test payment to see what your buyer sees. Paid in USDT or USDC on Solana. You keep 99%.

Model 01 · Digital files
Direct File / GDrive Link

What you sell: E-books, PDF guides, presets, software zips, video tutorials and design assets.

1Buyer pays
PAYFI CHECKOUTSolana · SPL
Lightroom Preset Pack, Vol. 1
9.90 USDT
Send to this order's address 8nQ4…dK2w No TXID to paste. Paying from an exchange? No SOL needed.
Waiting for payment…
2Verified on-chain
Waiting for the transaction to land on Solana
3Delivered instantly
The download link unlocks here
Why sellers pick it: Files deliver themselves 24/7 while you sleep. No manual emails, no chargebacks.
Keep 99% of every sale No chargebacks From an exchange, no SOL needed Every payment on a public ledger
PayFi Link Generator

From wallet to a shareable payment link in 8 steps

No sign-up, no name, no email. Watch the form fill itself, or click any step.

PayFi Link GeneratorStep 1 of 8
Your USDT or USDC wallet (Solana / SPL)
Paste your Solana wallet address
Not ERC-20 or TRC-20. A wrong network can lose funds.
Product name / title
e.g. E-book for Busy Founders
Price (number only)
e.g. 12.5USDT/USDC
Delivery model
Choose one of four models
Link to your file (Google Drive / AWS S3)
https://…
My cloud link is set to "Anyone with the link can view", stays active 24/7, and PayFi is not liable if broken permissions stop delivery.
Generate PayFi Link
Any store, and beyond

One link. Every place you sell.

A pay button is just a link. No plugin, no API keys, no account.

Pay with USDT/USDC is just payfi.cx/abc123
In your store
Beyond stores
WordPress Add a Button block and set its URL to your PayFi link.
1Create your link at payfi.cx
2Copy it
3Paste it anywhere

About two minutes. Use the same link everywhere, and every sale lands in one Seller Dashboard.

Full guide: setup on every platform, and 10 more places to sell

Your PayFi link works anywhere a link can live. Open In Your Store to add a pay button to WordPress, WooCommerce, Kajabi, Shopify, Linktree, Carrd or Notion — no plugin, no API keys, no account. Open Beyond Stores for ten more places to sell: newsletters, communities, live streams, chats, posts, videos, free content, developer pages, QR codes and business documents.

Almost every "integration" question disappears once you notice one small fact: a button on the internet is simply a link wearing an outfit. The colorful "Buy now" button on any online store is, underneath, a web address that opens when clicked. The color, the rounded corners and the label are decoration.

Your PayFi link — for example payfi.cx/abc123 — is an ordinary web address. That means wherever you can put a link, you can put a PayFi pay button. WordPress can hold a link. So can WooCommerce, Kajabi, Shopify, Linktree, Carrd, Notion, Beacons, Substack, a pinned Telegram message, a YouTube description or your Instagram bio.

That is literally what "works in any store" means. Not because PayFi has hundreds of plugins for hundreds of platforms, but because PayFi needs no plugin at all. It only needs one thing every platform in the world already has: a place to put a web address.

Notion Template "Second Brain"
A note-taking system for creators, 40 ready-to-use pages. Price: $19.
Example only. The purple button is just a PayFi link with a color — there is no plugin behind it.

To see why a link is enough, look at how a normal online store works with a traditional payment gateway.

In the traditional model, the work is split in two. The gateway only collects the money. Your store delivers the product. Because two different parties hold these two jobs, they have to talk to each other: once the gateway collects a payment, it must tell your store "order #2142 is paid", so the store knows when to unlock the course, send the file or reduce stock. That channel is what people call an integration — a plugin, a webhook, an API. Without it, your store never learns that the payment succeeded, and your buyer never receives the product.

PayFi removes that need at the root, because PayFi does both jobs: it collects and it delivers. When you create a link, you already give us your product — a Google Drive link, a secret URL, a notepad, or a receipt memo. The moment the payment is confirmed on the blockchain, PayFi itself unlocks the product on your buyer's screen. There is no third party to notify. Your store doesn't need to know anything.

Traditional model:

  1. Your buyer clicks "Buy" on your store.
  2. The gateway collects the money.
  3. The gateway must notify your store (plugin or webhook).
  4. Your store receives the notice, then delivers the product.
  5. Your buyer receives the product.

PayFi model:

  1. Your buyer clicks your PayFi button.
  2. PayFi collects the money.
  3. PayFi unlocks the product right away.
  4. Your buyer receives the product.
  5. 99% is already in your wallet.

Steps 3 and 4 of the traditional model are the ones that require an integration. In the PayFi model they don't exist — not because of a trick, but because the cashier and the warehouse are the same.

An easy way to picture it: think of your store as a shop window. In the traditional model, the window is connected by pipes to a cashier in the back and a warehouse behind that — those pipes are the integration. With PayFi, your window only needs a sign: "Paying with crypto? Please go to the counter next door." The PayFi counter is both cashier and warehouse: your buyer pays there and receives the product there. Your window needs no pipes, because it doesn't need to know what happens at the counter. Its only job is to point the way.

Say you sell a Notion template for $19 on your Carrd page, with a PayFi button next to your card button. Here is what your buyer goes through:

  1. On your store: your buyer reads the product page, sees two buttons — "Pay by card" and "Pay with USDT/USDC" — and chooses the second one.
  2. Moving to PayFi: the button opens your PayFi link. Your buyer is now on the PayFi checkout page, which shows the product name and the price: $19 USDT/USDC. Your store's job is done.
  3. At PayFi checkout: your buyer ticks the Solana network box, presses "I'm ready to pay" and saves their private order link. PayFi creates a payment address just for this order.
  4. Paying: your buyer sends 19 USDT or USDC from an exchange or wallet. If they don't have crypto yet, the checkout shows them how to get USDC by card into their own wallet first — it takes longer the first time. No TXID to paste.
  5. Automatic confirmation: the checkout page watches that address. As soon as the funds arrive on the blockchain — usually within seconds — the status turns to paid.
  6. Product unlocked: on the same page, the Google Drive link with your template appears. Your buyer downloads it. Done.
  7. In your wallet: almost at the same time, one on-chain transaction splits the payment: $18.81 to you, $0.19 to PayFi. You don't press anything.

Of these seven steps, only the first happens on your store. The other six happen on PayFi. That's why your store doesn't need an integration: it is simply the front door.

Menus can look slightly different between versions, but the principle is always the same: find the place where you can add a button or a link, and fill in the address with your PayFi link.

WordPress: add a Button block in the editor, write a label such as "Pay with USDT/USDC", and set its URL to your PayFi link. If you want the button to match your site's design exactly, use a Custom HTML block with the snippet in section 7. No plugin needed.

WooCommerce: WooCommerce has a built-in product type called External/Affiliate product, designed exactly for products paid for somewhere else. Put your PayFi link in Product URL and "Pay with USDT/USDC" in Button text. The "Add to cart" button on that product is replaced by your PayFi button. If you want to keep selling through your normal card checkout and offer crypto, simply add your PayFi link to the product description as a second option.

Kajabi: Kajabi pages have button blocks that can point to an external URL. Place your PayFi button on your sales page. One important note: paying through PayFi does not automatically enroll the buyer in a Kajabi course — see section 8.

Shopify: you can put the link in a product description or on a page through the theme editor. Shopify has its own rules about payment methods outside its checkout, so please check Shopify's current terms first. That's a platform rule, not a technical limit of PayFi.

Link-in-bio (Linktree, Beacons, Carrd, Bento): this is the most natural fit. Every item on a link-in-bio page is already a button with a URL. Add a new item, title it "Notion Template — $19 (USDT/USDC)", and paste your PayFi link. For many creators, the link-in-bio page is the store.

Notion, Substack, Ghost and other writing pages: insert a link or a button anywhere on the page. A Notion portfolio can have a "Buy the template" section; a Substack post can end with a button to buy a related e-book.

Social media and communities: your X or Instagram bio, a YouTube description, a pinned Telegram or Discord message, even a DM reply can hold your PayFi link. There's no styled button there, but it works exactly the same: click, pay, receive.

On your side, the whole "installation" takes three steps and about two minutes:

  1. Create your link at payfi.cx. Enter your USDT/USDC wallet on Solana, the product name, the price, the delivery model and your file link or target URL. Tick the agreement box and press "Generate PayFi Link".
  2. Copy your short link, for example payfi.cx/abc123.
  3. Paste it into your store as a button or a link, with a label such as "Pay with USDT/USDC".

No installation, no API keys, no webhook setup, no account to create. Compare that with adding a gateway through an integration: creating a merchant account, verifying your identity, installing a plugin, copying API keys into settings, testing in sandbox mode, then updating the plugin every time your platform changes. One path takes two minutes; the other can take days.

One practical rule: one link = one product at one price. If you sell three products, create three links. If one product has two price tiers, create two links. For a solo creator with a small catalog, this keeps things simple.

The examples below are illustrative, not customer stories. Every step in them uses features PayFi has today.

Example A — a developer with a Carrd page. A developer who already earns USDC on Solana builds a dashboard template for Solana projects and wants to sell it for $25. She already has a Carrd page as her portfolio. She uploads the template to Google Drive, creates a PayFi link with the Direct File model, and adds one button to her Carrd page: "Buy template — $25 USDC". Most of her buyers are developers who already hold USDC on Solana, so they pay from their wallet in seconds. She never answers "where's my file?" DMs, because the file unlocks by itself. Setup time: under five minutes.

Example B — a designer with a WooCommerce store. A designer sells Lightroom presets through his WooCommerce store, paid by card. Many of his potential buyers turn out to be in countries where cards are often declined. He creates a second product of type External/Affiliate, puts his PayFi link in Product URL, and sets the button text to "Pay with USDT/USDC". His original product with card checkout stays. Buyers whose cards are declined now have another way to pay — and those without crypto can follow the checkout's "New to crypto?" guide to get USDC by card first. He installs no plugin, and nothing changes for his card buyers.

Example C — an educator with a WordPress blog. An educator writes programming guides and wants to sell an e-book for $12. In her country, Stripe isn't available and PayPal is limited, so international payments are a real problem. She adds a Button block at the end of each article pointing to her PayFi link. Readers who already have crypto pay directly; the rest follow the checkout's "New to crypto?" guide to get USDT or USDC by card first. The money reaches her wallet within seconds, with no foreign bank account and no waiting for payouts.

Notice the pattern: none of them moved platforms, none installed a plugin, and none needed to contact us. Each simply added one button to a place they already had.

On platforms that accept HTML (for example WordPress's Custom HTML block), paste this snippet and replace the address with your own PayFi link:

<a href="https://payfi.cx/abc123" <-- change this example with your link
   style="display:inline-block;padding:12px 22px;border-radius:8px;
          background:#4f46e5;color:#fff;font-weight:600;
          text-decoration:none;font-family:sans-serif">
  Pay with USDT/USDC
</a>

The result is a purple button like the example in section 1. There is no script and nothing loaded from another server — it's just a link with a color. That means it can't break when your platform updates, and it won't slow your page down.

Add one short line under your button. It tells buyers what to expect before they click, so nobody feels promised something else:

"Paying with crypto? Use USDT or USDC on Solana. New to crypto? The payment page shows you how to get it — allow about 20–30 minutes the first time."

Avoid writing "pay by card" next to the PayFi button. Buyers without crypto first get USDC by card into their own wallet, then pay — the payment page guides them, but it isn't a card checkout.

"Works in any store" is true for one kind of selling and not for another. We'd rather you know the limits now than discover them after a buyer has paid.

Shopping carts. A PayFi link has a fixed price. It can't add up three items in a cart, calculate shipping or add tax. Stores that rely on multi-item carts still need their own checkout.

Stock and order records. Your store doesn't know about sales made through PayFi. Stock won't decrease automatically, and those sales won't appear in your store's dashboard. For digital products with unlimited stock this is not a problem; for physical goods with limited stock it is a real one.

Memberships managed by your platform. Platforms like Kajabi only unlock course access when payment goes through their own checkout. Buyers who pay through PayFi are not enrolled automatically. The workaround — sending buyers to a secret enrollment URL with the Dynamic URL Redirect model — works, but that URL can be shared by the buyer. This kind of leak is inherent to all link-based delivery, including Google Drive links. For low-priced products it's usually acceptable; for expensive courses, weigh it carefully.

No customer data. PayFi deliberately doesn't collect your buyers' names or emails. For buyers, that's a plus. If you want to build an email list from every sale, collect emails another way — for example, a form on your store before the PayFi button.

Platform rules. Some platforms restrict payment methods outside their own checkout. This isn't a technical limit — the link can still be pasted — but terms can change, so check your platform's current terms.

At a glance:

  • One digital product, one button — yes, perfect. PayFi collects and delivers by itself.
  • Services or donations with a receipt — yes. The automatic receipt model handles it.
  • Private group access or a secret URL — yes. Keep in mind the URL can be re-shared.
  • A small catalog of several products — yes. One link per product.
  • Courses on Kajabi and similar platforms — partly. Enrollment isn't automatic.
  • Multi-item carts, shipping and tax — no. Each link has a fixed price.
  • Physical goods with limited stock — no. Stock isn't synced.

In short: PayFi links are made for selling digital products, one link at a time. They are not designed for stores that depend on carts and stock.

"Won't my buyers be confused about moving to another page?"
Online buyers are used to being sent to a payment page — PayPal and Stripe Checkout open separate pages too. What matters is that the payment page shows the same product name and price your buyer just saw, so they know they're in the right place. PayFi checkout does exactly that.

"How do I know someone bought?"
Two ways. First, the money lands directly in your wallet — your wallet notification already tells you. Second, PayFi has a seller dashboard at payfi.cx/seller. You sign in by signing a message with your wallet — no account, no password. There you can see your orders, your sales stats and your links, and disable any link you no longer want to use.

"What if a buyer sends the wrong amount?"
If they send too little, the checkout page tells them how much is left to send to the same address — no TXID needed. If they send too much, or the order is cancelled after a partial payment, the buyer can request a refund themselves from their private order link. You don't have to step in. The only thing that can't be recovered is a payment sent on the wrong network (for example ERC-20), because the money never reaches Solana — the checkout warns buyers about this before they pay.

"Can I set my price in my local currency?"
Links are priced in USDT/USDC, which is worth the same as the US dollar. Set your price in dollars. For digital products sold to international buyers, that is often the more natural choice anyway.

"Is it safe to put this link on my store?"
A PayFi link doesn't load any script into your store — it is only an address. No third-party code runs on your store, and no visitor data is sent anywhere. From your store's security point of view, adding a PayFi link is as safe as adding a link to any other website.

"What if nobody uses it?"
Then you lose nothing. There's no monthly fee, no setup fee and no contract. The 1% fee applies only when a sale happens. A button nobody clicks costs you nothing.

The link model is simple, but a few small mistakes can spoil your buyer's experience. Most of them are easy to prevent:

  • Wrong Google Drive permission. This is the most common one. If your Drive file isn't set to "Anyone with the link can view", a buyer who has already paid will see a "request access" page. That's exactly why the generator asks you to tick the agreement box. Open your Drive link in a private or incognito window before you create your PayFi link.
  • Not testing your link before sharing it. The easiest way to be sure everything works: create a link with your own wallet as the receiver, then buy your own product at the minimum price (for example 10 USDT). You'll see the whole flow as your buyer sees it, and 99% of the money comes back to your own wallet.
  • Unclear button text. "Crypto" alone is vague. "Pay with USDT/USDC" is clearer, and putting the price in the button ("Buy — $19 USDC") avoids surprises when your buyer reaches the checkout.
  • Prices that don't match. If your store says $19 and your PayFi link was made for $20, your buyer will get suspicious. Use one price in your store and the same price in your link.
  • One link for several versions. "Basic $19" and "Pro $39" need two separate links. One link has one product and one price.
  • Promising what a link doesn't do. If you sell a Kajabi course, don't assume PayFi buyers get enrolled automatically. Tell your buyers how they'll get access before they pay.

All six come down to one habit: buy your own product once before you share the link. A single test purchase catches almost every mistake above.

A PayFi button next to your card button isn't meant to take away card buyers who are already happy. It's meant for three kinds of buyers who, until now, couldn't pay you — or could only pay you badly:

  • Buyers whose cards get declined. In many countries, local cards often fail for international payments or come with expensive cross-border fees. If they can get USDT or USDC another way — for example from a local exchange with a bank transfer — the second button turns a dead end into a sale.
  • Buyers who already hold stablecoins. People who keep savings in USDT or earn in USDC would rather pay straight from that balance than convert to a bank currency first. For them, the crypto button is the most convenient option.
  • Buyers who value privacy. Paying through PayFi doesn't ask for a name, an email or a card number. Some buyers choose it for exactly that reason.

That's why most sales from the second button are extra sales, not sales moved away from your card button. Adding PayFi takes nothing away from the sales you already have — and opens a door for buyers who used to leave empty-handed.

One: a button is a link wearing an outfit, so wherever you can place a link, you can place a PayFi button.

Two: other gateways need integrations because they only collect money and must tell your store to deliver; PayFi collects and delivers, so your store doesn't need to be told anything.

Three: as a result, you add PayFi to your store in about two minutes — no plugin, no API keys, no account — and there's nothing to maintain when your platform updates.

Four: it's perfect for selling digital products one link at a time, and it isn't designed for multi-item carts or physical stock.

In other words, "works in any store" isn't an empty slogan. It follows directly from one design decision: putting product delivery inside your PayFi link. That's what lets any store on the internet become a front door for your sales — without asking any platform for permission.

A store and a bio are places where your link waits for buyers. The ten places below are where your link meets buyers at the right moment: while they read a newsletter they trust, watch a stream that excites them, chat with you directly, or stand in front of your table at an event. Every one of them works today with the same PayFi link — no integration, no platform approval, no code. At most you need one sentence, one QR code, or one place to pin the link.

Three things decide how well a place works for you: whether it can hold a clickable link (if not, a QR code or a short link bridges the gap), whether your audience there already holds USDT or USDC (buyers without crypto can still pay — the checkout's "New to crypto?" guide walks them through it — but it takes them longer the first time), and whether buyers there are ready to pay now or tend to come back days later.

What it looks like. You put your PayFi link inside an issue: at the end of a post, in a "my products" box, or in a special issue announcing something new — on Substack, Beehiiv, Ghost, Kit or plain email. Readers click, pay, and receive the product instantly through the delivery model you chose.

Why it works. A newsletter is one of the most trusted channels on the internet. Your readers chose to hear from you, so your recommendation carries weight. Links in email are clickable, no algorithm hides them, and one issue can reach thousands of people on the same day. Readers of crypto, finance and tech newsletters are among the people most likely to already hold stablecoins.

Best practice. One issue, one product, one link. An issue with five product links usually sells less than an issue with one. You can also use PayFi to sell a single paid issue — a deep-dive report or your archive — without turning your free newsletter into a subscription.

I put together [product] for readers who want [result].
  It's [price] USDT/USDC, paid on Solana, delivered instantly — no account needed:
  [your PayFi link]

Watch out. Readers without crypto need to know up front that they can still pay — one line like "New to crypto? The payment page shows you how" is enough. Some newsletter platforms have their own subscription payments; PayFi doesn't replace them, it complements them for one-time products.

What it looks like. You pin a message with your PayFi link, announce a product in your channel, or put the link in a "#shop" or "#resources" channel on Discord. Members pay without leaving their habits: tap, pay from the wallet on their phone, done.

Why it works. This is the natural home of the crypto economy. Trading communities, research groups, Web3 projects and crypto creators gather in Telegram channels and Discord servers. Almost everyone there already has a wallet, already holds stablecoins, and is used to clicking links shared by admins they trust.

A bonus. In a community, a smooth sale is seen by many people who run channels, groups or products of their own. Your pinned message sells your product and quietly shows others how easy selling can be.

Best practice. One pinned message per product, updated when the product changes. To sell access to a private group, use the Dynamic URL Redirect model: after paying, the buyer is sent straight to your group's invite link.

📌 [Product] — [price] USDT/USDC on Solana
  Instant delivery, no sign-up: [your PayFi link]
  Tip: have your USDT/USDC ready before you open the link.

Watch out. Buyers can pass an invite link on to others, so use invite links you can revoke and turn on member approval in your group. Many crypto groups are full of scam links, so members are wary of strangers' links — a link posted by you, the admin, leading to a clear PayFi checkout that shows your seller contact, solves most of that.

What it looks like. During a live session — YouTube Live, Twitch, Kick, a webinar, X Spaces or a Discord Stage — you paste your PayFi link in the chat, pin it, or show a QR code on screen. Viewers pay while they keep watching. In a webinar, the link goes into the chat right after you present your offer.

Why it works. Live sessions create the strongest buying intent of any channel. Viewers are engaged, you can explain the product in your own words, and there's a real "now or never" feeling. Viewers buy on the spot, so the checkout's one-hour payment window never gets in the way. Crypto streamers and traders who go live already have audiences holding stablecoins.

Best practice. Make a live-only offer: create a separate link just for the stream — for example a bundle at a special price — and deactivate it in your Seller Dashboard when the stream ends. That creates real scarcity without any extra feature.

Live-only offer: [product] for [price] USDT/USDC → [your PayFi link]
  This link closes when the stream ends.

Watch out. Some streaming platforms limit links in chat for new accounts or require moderator permission — check each platform's rules. Viewers without crypto usually won't finish buying in the middle of a stream, so this channel shines brightest with crypto-native audiences.

What it looks like. You send your PayFi link directly to one buyer in the middle of a conversation — in a DM on X, Telegram, WhatsApp or by email — after answering their question, after agreeing on a price for your service, or when someone asks "how do I buy?". It's selling through chat, one of the oldest ways to trade on the internet.

Why it works. Intent is already very high: the buyer started the conversation or has already said yes. PayFi fixes the classic problems of selling in chat — no more sending a raw wallet address, guessing whether the amount is right, or checking transactions by hand. One link carries the price, your delivery and an automatic receipt. For a service with a custom price, just create a new link with that price; it takes under a minute.

Best practice. Keep a few ready-made links for the products people ask about most, and create new links only for custom prices. The Receipt model gives both of you a clean proof of payment — valuable between two people who don't know each other yet.

Here's the payment link for [product/service]: [your PayFi link]
  It's [price] USDT/USDC on Solana. You'll get [delivery] right after payment,
  plus a receipt with the transaction hash.

Watch out. Reach is one person per conversation, so this channel grows only as fast as your time does. On platforms full of scams, buyers can be wary of links sent by DM; your reputation, plus a clear checkout page showing your seller contact, reduces that.

What it looks like. Unlike your bio, which holds one permanent link, this is a link inside a specific post on X, Farcaster, LinkedIn, Threads or Bluesky: a thread that teaches something and ends with an offer, a launch announcement, or the first reply under a popular post. Every post can carry a link to a different product.

Why it works. An educational thread that ends with an offer is a well-proven way for creators to sell. X and Farcaster are where much of the crypto community gathers, so many readers already hold stablecoins. One thread that takes off can be seen by tens of thousands of people in a day.

Best practice. Many creators report that posts with external links get less reach from the algorithm, so they put the link in the first or last reply instead of the main post. "Valuable thread → link in the final reply" keeps reach high while still selling.

If this was useful, I packaged the full [guide/template/tool] here —
  [price] USDT/USDC, instant delivery, no account: [your PayFi link]

Watch out. Reach is large but buying intent is low — most people are scrolling past. Expect fewer sales per viewer than from a newsletter or a live stream. Each platform's rules and algorithm change over time and are outside your control.

What it looks like. You put your PayFi link in a YouTube description, in a pinned comment, or in your podcast's show notes. In the video or episode, you mention the product and point viewers or listeners to the link.

Why it works. Videos and podcasts build deep trust — people spend long minutes with you. Unlike a live stream, recorded content keeps being watched for months, so the link in your description keeps working long after you publish. One video that keeps being found through search can bring small but steady sales.

Best practice. One product that ties directly to the topic of the video, mentioned naturally, with the link on the first line of the description. Your PayFi link is short (like payfi.cx/abc123), but a string of random letters is easy to mishear, so in a podcast say "the link is in the show notes" rather than reading it out.

▶ Get [product] mentioned in this video: [your PayFi link]
  [price] USDT/USDC · instant delivery · no sign-up

Watch out. General video audiences mostly don't hold crypto yet, so results depend on your niche. Short-video platforms often don't allow clickable links in posts, which sends buyers back to your bio.

What it looks like. You share something free — a short guide, a checklist, the first chapter of an e-book, a basic version of a template — as a PDF, a Notion page or a Google Doc, and inside it you place your PayFi link to the full version. The free piece travels on its own: it gets shared, downloaded and saved, and every copy carries your buy link.

Why it works. It turns what's usually a weakness of digital content — how easily it gets shared — into a strength. If what spreads is a free version that links to the paid one, every share is free advertising. A PayFi link works anywhere a link can live: inside a PDF, on a Notion page, in a Google Doc — no website or store required.

Best practice. Make the free version genuinely useful and the paid version clearly more complete. Put the link in two places: in the middle, where readers are most interested, and at the end.

This is the short version. The full [product] — with [what's extra] —
  is here: [your PayFi link] ([price] USDT/USDC, delivered instantly).

Watch out. Few readers buy, and results come slowly because they depend on how far your free piece spreads. It works best alongside other channels, not as your only one.

What it looks like. You put your PayFi link in a repository README, on a documentation page, or in a "Pro version" or "Support this project" section. People pay for a premium version, ready-made templates, configurations — or simply to support your work.

Why it works. Developers in the Solana and Web3 ecosystem are among the people most likely to hold USDC and most comfortable paying from a wallet. A README is read by people actively looking for a solution, so intent is higher than on social media. The HTML button from "In Your Store" (part 7), or a plain Markdown link, drops straight into a README.

Best practice. A popular free project with a paid version for serious needs, or fixed support tiers — for example $10, $25 and $100, each its own link. The Notepad Vault model is ideal for delivering installation steps for a premium version.

## Pro version
  [What's included]. [price] USDT/USDC on Solana, delivered instantly:
  [your PayFi link]

Watch out. Every buyer of the same link receives the same content, so PayFi isn't suited to software that needs a unique license key per buyer.

What it looks like. You turn your PayFi link into a QR code with any free QR generator, then print it or show it on a screen: at an event, on a booth, a poster, product packaging, a business card or the last slide of your talk. Buyers scan with their phone, pay, and get their product — or show you their confirmation.

Why it works. At crypto conferences and meetups, many people find it easier to pay in stablecoins than in cash or by card. You don't need a card terminal or a merchant account. If you speak at an event, a QR code on your last slide lets you sell your course or materials to an audience that just heard you. Printed on packaging, a QR code can sell the digital version or an add-on.

Best practice. One QR code per price, with a big label showing the product and the price. Before handing over something physical, confirm the payment on your side — your wallet notification or your Seller Dashboard — rather than trusting a screenshot of a transfer from the buyer's wallet.

[Product] — [price] USDT/USDC
  Scan → pay on Solana → show the "Payment received" screen

Watch out. Always scan your printed QR code yourself before the event. Physical goods are handed over by you, not by PayFi — PayFi only handles the payment and any digital delivery.

What it looks like. As a freelancer, consultant or small agency, you put your PayFi link in the documents you send clients: the "Payment" section of a proposal, a PDF invoice, or your email signature ("Pay invoices in USDC: …"). Your client pays from the document already in their hands, without asking for bank details.

Why it works. Business documents are where money actually changes hands in service work. Putting PayFi there makes it the default way to pay, not an extra. Amounts are larger — hundreds to thousands of dollars — and a client who has paid once through PayFi tends to use it for the next invoice too. The Receipt model gives you both a complete record for your books.

Best practice. One link per invoice, with the invoice number in the memo. In your email signature, link to a standard service or product with a fixed price.

Payment: [amount] USDT/USDC on Solana via [your PayFi link]
  Memo: Invoice #[number]. A receipt with the transaction hash is issued automatically.

Watch out. Corporate clients often can't pay in crypto because of their internal rules; this works best with crypto-native clients and individuals. Ask your client to open the link when they're ready to pay — each order stays open for one hour, and a late payment is refundable rather than lost.

A rough guide to what each place is good at. It's a comparison between the ten, not a measurement.

Place Reach Ready to buy Audience already holds crypto Your setup
NewsletterHighHighMedium–highOne paragraph per issue
Telegram / DiscordMediumHighVery highA pinned message
Live streamMediumVery highMedium–highA live-only link
One-to-one chatLowVery highDependsReady-made links
Social postsHighLowHigh on X and FarcasterA thread and a reply
Video / podcastHighMediumDepends on nicheOne line in the description
Free contentSpreads over timeLowDependsOne free document
Developer pagesLow–mediumMediumVery highA README section
QR codesLowHighHigh at crypto eventsA printed QR code
Business documentsLowVery highDepends on the clientA payment section

The pattern: reach alone isn't enough. The places that sell best combine buyers who are ready to pay and already hold stablecoins — live streams, crypto communities and newsletters. And because your PayFi link is just a link, you can use the same one in all ten places at once, with every sale landing in one Seller Dashboard.

  • Help buyers without crypto. Add one line near your link: "New to crypto? The payment page shows you how to get USDT/USDC first." The checkout's guide walks them through it, and their order clock doesn't start until they press "I'm ready to pay".
  • Remind crypto buyers to use Solana. "Pay with USDT or USDC on the Solana network" next to your link prevents the most common beginner mistake — sending on the wrong network.
  • One link per place, if you want to know what works. Your Seller Dashboard lists each sale with its product name. Create a separate link for each place with a small tag in the name — for example "Notion Template (Live)" for your stream — and after a few weeks you'll see which place brings your buyers.
  • Special links for special moments. For a stream, an event or a limited offer, make a dedicated link and deactivate it in your Seller Dashboard when the moment is over.
  • Set your contact for buyers. Add a Telegram handle or email in your Seller Dashboard. It appears on your checkout, reassures buyers that there's a real person behind the product, and gives them someone to ask.
  • Make a QR code in seconds. Paste your PayFi link into any free QR generator, download the image, and scan it once yourself before you print or share it.
  • Pay your own link once. It's the fastest way to see exactly what your buyers see — and to catch a file that isn't shared publicly before a buyer does.

A PayFi link can go almost anywhere — but a few places have rules against it, and breaking them can cost you your account there.

  • Marketplaces that forbid off-platform payments. Freelance marketplaces such as Fiverr and Upwork, and marketplaces such as Etsy, don't allow sellers to take payment outside their system. Sending a PayFi link there can get your account suspended. You can still use PayFi with clients who come to you directly, outside those platforms.
  • Inside mobile apps. App stores have their own rules about how digital goods are paid for inside an app. Keep your PayFi link on the web, not in an app you publish.
  • Forums and groups that ban self-promotion. Many subreddits, forums and group chats have strict rules about sales links. Posting where it isn't welcome hurts your reputation more than it helps your sales.
  • Paid ads. Many ad networks restrict crypto-related ads. Check the ad platform's policy before pointing an ad at your PayFi link.

Everywhere else — your store, your bio, your community, your stream, your chats, your documents — your PayFi link goes wherever you do. Other platforms make you move in. PayFi moves in with you.

For buyers, users and senders

Paying with PayFi, seen from the buyer's phone

Seven steps, usually done in under a minute. No account, no ID, no TXID to paste.

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JA
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Get Vol. 1 → payfi.cx/px7Kq2
The buyer taps the link in the creator's bio or a DM.
PayFi Manifesto

Your money. Your business.
No one in between.

PayFi: Crypto Xpress-Payment Gateway at your link in bio. Stop wasting time with traditional gateways that eat margins and hold cash hostage. Seven principles we build by.

01

Freedom and Liberty

Liberty is the absence of obstacles to being the fullest version of you.
Paraphrasing Isaiah Berlin

The guardians, censors and corporate middlemen who want to supervise your life should leave you alone. You and your customers are adults trading voluntarily, by mutual consent. PayFi does not evaluate or screen you, and does not keep your data or hold your money: customer payments go straight to your USDT/USDC wallet, minus a flat 1% utility fee that keeps the platform running.

Sleep while your bio keeps selling. Create your PayFi link
We are a team of software developers based in Hong Kong—one of the world's premier financial centers and freest economies. Our architecture encrypts each payment link's contents, gives every order its own payment address, and splits each payment on-chain in a single atomic transaction. We keep only the minimal order records needed to deliver products and settle payouts, with no names, emails, or other personal data. We gladly receive your feedback (though we do not reply whatsoever) via [email protected].
1. No Liability and As-Is Provision: PayFi is provided on an "as-is" and "as-available" basis without warranties of any kind. The developers and operators disclaim all liability for any direct or indirect damages.

2. Short-Lived Custody: Each payment lands in a dedicated order address controlled by the platform only until it is split on-chain, 99% to the creator and the platform fee to PayFi, in a single atomic transaction, usually within seconds to minutes.

3. Minimal Data Architecture: PayFi stores only the order records required to deliver products and settle payouts (order status, amounts, and on-chain transaction signatures). No names, emails, IDs, or other personal data are collected.

4. Exemption from Regulatory Jurisdiction: Users ensure compliance with their respective local laws and tax obligations.

5. Indemnification by Creators: Creators warrant that all distributed products and links comply with applicable laws and agree to fully indemnify the operators from any claims.

6. Assumption of Risk by Users: Users acknowledge all risks associated with cryptographic transactions, blockchain finality, and third-party storage links.

7. Irreversible Blockchain Finality: All blockchain transactions are final and immutable, and completed purchases cannot be reversed. Funds that did not become a completed order (overpayments, cancelled or expired partial payments, and payments sent to an order that was already finished) can be returned to the buyer through the refund option on the buyer's private order link, minus the refund fee and, if needed, the cost of opening a USDT/USDC account for the receiving wallet.

8. Absolute Limitation of Liability: All individuals, creators, and entities permanently waive any right to initiate civil, criminal, or legal claims against PayFi.
Privacy Policy of Payfi.cx. Last updated: 14 October 2026.

1. Who we are: PayFi (payfi.cx) is operated by Payfi.cx. This policy covers payfi.cx, its checkout pages, its public ledger, and the PayFi for WooCommerce plugin.

2. No accounts, no personal identity: PayFi does not ask for names, email addresses, phone numbers, or ID documents to create a payment link, pay, or receive money. Your Solana wallet address is your identity on PayFi.

3. Order records: For every order we keep what is needed to deliver the product and settle the payment: the encrypted payment link, product name, price, the creator's wallet, the order's deposit address, amounts received, timestamps, delivery details set by the creator, and on-chain transaction signatures.

4. Public ledger and blockchain: Settled orders and refunds are written to a public, hash-chained ledger anchored with OpenTimestamps. A ledger entry contains amounts, the payout wallet, the order's deposit address, the paying wallet when it can be read from the blockchain, and the transaction signature. It does not contain product names or delivery links. Solana transactions are public and permanent by nature; neither PayFi nor anyone else can erase them.

5. IP addresses: To limit abuse, an IP address is converted into a keyed hash before it is stored with an order; the raw address is not kept in our order records. Like any website, our hosting infrastructure may process IP addresses in short-lived technical logs.

6. Optional information you choose to give: A seller may add a contact line shown at checkout, an alternative payout address, or link Telegram to receive sale notifications (we then store the Telegram chat ID, which you can unlink at any time). Forum users choose a public display name, and their posts and votes are public. For in-person trades (Meet) and shipped goods (Ship), addresses, phone numbers and chat messages are stored encrypted and shown only to the other party of an active order. A buyer asking for a refund enters the wallet address that receives it.

7. Your browser: The checkout saves your order token in your browser's local storage so you can return to an unfinished order. PayFi uses no advertising or analytics trackers.

8. PayFi for WooCommerce: When a store uses the plugin, the store sends PayFi the order total, the store's order number, the store domain, and the address to return the buyer to. The store keeps its customers' names, emails and addresses; PayFi does not receive them.

9. Third parties: Payments run on the Solana blockchain through RPC providers. Ledger hashes are sent to public OpenTimestamps calendar servers. If you buy USDT or USDC through an on-ramp (for example MoonPay, Transak or Ramp), or follow a creator's delivery link (for example Google Drive), you deal with that provider directly under its own privacy policy. Telegram notifications pass through Telegram. We do not sell data to anyone.

10. Retention: Order and refund records are kept as long as needed to settle, refund, and keep the public ledger verifiable. Ledger entries and blockchain transactions are permanent.

11. Your choices: You can stop using PayFi at any time, unlink Telegram, and clear your browser storage. Because PayFi holds no names or emails, we cannot connect records to a person except through the wallet that signed or received them.

12. Age: PayFi is not intended for anyone under 18.

13. Changes: We may update this policy. The date at the top shows the latest version.

14. Contact: Questions about this policy can be posted on the PayFi Forum.
1. Acceptance of Terms through Interaction: By accessing the PayFi platform, clicking any operational checkbox, generating a payment link, transmitting funds, or creating an order on the checkout interface, the user, creator, seller, and buyer explicitly acknowledge, understand, and unconditionally agree to be bound by these Terms and Conditions.

2. Binding Waiver of Claims and Release of Liability: By performing any action on the platform—including but not limited to generating URLs, submitting funds, or creating orders—all participants irrevocably waive, release, and discharge PayFi, its developers, operators, and contributors from any and all past, present, or future claims, demands, liabilities, damages, and causes of action of every kind and nature, whether known or unknown, arising out of or related to financial losses, technical failures, or legal disputes.

3. User Operational Responsibility: Users, creators, sellers, and buyers assume complete and exclusive responsibility for verifying wallet addresses, network selection (Solana SPL), asset amounts, and external cloud link permissions. PayFi exercises zero control over user inputs and accepts no liability for errors, incorrect network transfers, or misdirected capital.

4. Third-Party Service and Platform Independence: PayFi acts solely as an independent, autonomous software interface and is not affiliated with, endorsed by, or responsible for any third-party infrastructure, crypto exchanges, fiat on-ramp providers (e.g. MoonPay), or external cloud hosting networks (such as Google Drive, Dropbox, or AWS).

5. Intellectual Property and Content Accountability: Creators and sellers retain total legal responsibility for all digital assets, services, files, text, or redirect destinations linked via PayFi. The platform disclaims any monitoring obligation, and creators agree to bear full legal and financial responsibility for any intellectual property infringement or unlawful material distributed.

6. Modification, Suspension, and Termination of Interface: The developers and operators reserve the right to modify, update, suspend, or discontinue the PayFi interface, codebase, or access points at any time without prior notice, explanation, or liability to any user or third party.
What is PayFi?
A checkout for selling digital products and services in USDT/USDC on the Solana network. You create a payment link, share it, and buyers pay with USDT/USDC. When the payment arrives, the product is delivered automatically and the money is split on-chain: you get your cut, PayFi takes a flat 1%.

Who is it for?
Creators, freelancers, and digital sellers whose buyers can't easily use Stripe, PayPal, or cards, for example buyers in blocked regions, or sellers tired of held and frozen payouts. If your current processor works fine for your buyers, you probably don't need this.

How does a buyer pay?
They open your link and see the product and the amount, then send USDT/USDC on Solana to the address shown, from an exchange or a wallet. The product unlocks automatically once the payment arrives, with no transaction IDs to paste. If they underpay, they just send the difference to the same address; if they overpay or send by mistake, there's a self-serve refund.

Do you hold my money? Is this custodial?
No, we don't. But briefly, under 20 seconds, we custody your money, because cryptographic process still need times — and we won't pretend otherwise. Each order gets its own address; your payment lands there and, once it is complete, a single on-chain transaction splits it to you and to PayFi, usually within 20 seconds (sometimes in a very rare situation -one in thousands- a few minutes if the network is busy). During that short window the order address is controlled by the platform, so there is a brief, unavoidable custody moment. But PayFi holds no running balance of your money and cannot quietly deduct, freeze, or hold it back the way a bank or PayPal can, and every split is a real on-chain transaction you can verify yourself. A fully non-custodial flow only works when the buyer signs from a wallet like Phantom, which most exchange buyers don't have, so we chose the flow that works for everyone — and we are upfront about the brief custody window.

How do I know you won't run off with the money?
You shouldn't just trust us, so here's why you don't have to: your payout happens automatically the moment a payment is confirmed, not on a payout schedule we control, so there's no pot of your money sitting with us; and every split is a real on-chain transaction you can verify yourself on a block explorer. The real risk to be aware of: during the few seconds funds sit in the per-order address, there is server-side control. We keep the platform's own balance swept out to limit exposure.

The best way to trust it: test it yourself.
Make a payment link with your own USDT/USDC wallet as the receiver, open it, and send a small amount like 10 USDT/USDC on Solana. Watch the product unlock and 99% land back in your wallet a few seconds later. You don't have to take our word for anything.

What does it cost?
A flat 1% per transaction, taken from the same on-chain split. No monthly fee, no setup fee, no hidden cut. One requirement: your receiving wallet must already have a USDT/USDC account (it has received USDT/USDC at least once). If your wallet is brand new, activate it once by sending it 0.1 USDT/USDC on Solana, then create your link.

What if my wallet has never received USDT/USDC?
Then it doesn't have a USDT/USDC account yet, and PayFi will ask you to activate it before creating a link. Activating is a one-time, one-step thing: send at least 0.1 USDT/USDC to your own wallet on the Solana network (from an exchange or another wallet). That first transfer creates the USDT/USDC account. After that, your wallet is ready and you can create links normally. Most wallets that have ever touched USDT/USDC are already activated, so this only affects brand-new wallets. PayFi does this so it never has to hold funds on your behalf to open accounts, which keeps the platform lean and the 1% fee low.

What are chargebacks and refunds like?
There are no chargebacks; blockchain payments are final, so a buyer can't reverse a completed purchase through their bank after receiving a digital product. Money that did not become a completed order (overpayments, cancelled or expired partial payments, and funds sent to a finished order) can be returned to the buyer through the refund option on their private order link, minus the refund fee.

Is USDT/USDC on Solana safe? What if the network is busy?
USDT/USDC on Solana settles in seconds and network fees are a fraction of a cent. If the network is congested, a payment may take a little longer to confirm, but the order simply stays open until it does; nothing is lost. Important: it must be USDT/USDC, on the Solana network. If a buyer sends on the wrong network (for example ERC-20 or TRC-20), it won't arrive. The checkout warns buyers about this before they pay.

What data do you store about buyers?
No names, emails, IDs, or other personal data. PayFi stores only the order records needed to deliver products and settle payments (order status, amounts, and on-chain transaction signatures). Wallet addresses and amounts are already public on the blockchain.

Why not just use Stripe, Wise, or Payoneer?
PayFi can do what Stripe, Wise, or Payoneer do but PayFi can help the cases those tools don't serve: buyers in blocked regions, or sellers whose payouts keep getting held or frozen.
Runs on
Solana USDT USDC Web3

PayFi Link Generator

Create instant payment links without name, email, IDs, or else here:

See your sales and payouts, set your contact for buyers, or deactivate this link anytime in the Seller Dashboard. Sign in with the wallet you entered above.