Non-custodial blockchain transaction monitoring API. Monitor USDT and USDC across 5 networks with instant webhook notifications.

PayzCore Documentation

PayzCore is a non-custodial blockchain transaction monitoring API. It watches addresses derived from your xPub keys or static wallet addresses, detects incoming USDT/USDC transfers, and sends webhook notifications to your server.

Important Notice

PayzCore is not a payment processor, payment gateway, or money transmitter. PayzCore does not hold, transmit, custody, or have access to any funds at any time. It provides blockchain monitoring and notification services only. You are solely responsible for managing your own wallets, private keys, fund collection, and compliance with all applicable laws and regulations in your jurisdiction. By using PayzCore, you agree to our Terms of Service and Privacy Policy.

System Architecture

The system has three layers. Your infrastructure talks to PayzCore, and PayzCore reads the blockchain on your behalf.

1. Your Infrastructure — Your website or server makes API calls to PayzCore using your API key. Your wallet holds the private keys.

2. PayzCore API — Receives your monitoring requests, assigns watch-only addresses, polls the blockchain for incoming transfers, and sends signed webhooks to your server.

Endpoint	Purpose
`POST /v1/payments`	Create a monitoring request, get a deposit address
`GET /v1/payments`	List payments
`GET /v1/payments/:id`	Check real-time payment status
`PATCH /v1/payments/:id`	Cancel payment
`POST /v1/payments/:id/confirm`	Submit tx hash (pool mode)
`GET /v1/config`	Project network/token config

3. Blockchain (read-only) — PayzCore reads transfer data from Tron (TRC20), BSC (BEP20), Ethereum (ERC20), Polygon, and Arbitrum. Funds go directly to your addresses. You sweep them with your own keys.

Key points:

PayzCore only reads the blockchain. It never has access to your private keys or funds.
Addresses are derived from your xPub (watch-only) or entered manually (static wallets).
When a transfer is detected, PayzCore notifies your server via a signed webhook.
You collect (sweep) funds yourself using your own wallet software. See Sweeping Funds.

Payment Lifecycle

Every payment goes through these statuses:

Status	Meaning	Next
Pending	Monitoring request created, waiting for transfer	Confirming, Expired, or Partial
Confirming	Transfer detected, waiting for block confirmations	Paid or Overpaid
Paid	Expected amount received and confirmed. Webhook dispatched.	Final
Overpaid	Received more than 101% of expected. Webhook dispatched.	Final
Partial	Received less than expected when payment window expired.	Final
Expired	No transfer detected within the payment window (default: 1 hour).	Final

Supported Networks and Tokens

Network	Blockchain	Token(s)	Confirmations	Typical Sweep Gas
TRC20	Tron	USDT	19	~$1-$4 (or ~$0.05 with staked TRX)
BEP20	BNB Smart Chain	USDT, USDC	15	~$0.03-$0.15
ERC20	Ethereum	USDT, USDC	12	~$0.50-$30+ (varies)
Polygon	Polygon PoS	USDT, USDC	64	~$0.001-$0.01
Arbitrum	Arbitrum One	USDT, USDC	40	~$0.01-$0.15