PYUSD — One-time payments (Ethereum)

Base URL

https://api.transacty.ai

Summary

Accept one-time PYUSD payments on Ethereum. The payer sends PYUSD to a deposit address. When settlementStatus is settled, Transacty credits your PYUSD USDC wallet (PYUSD-USDC) once — a dedicated pocket, separate from Europe USDC.

There is no merchant PYUSD withdraw in this phase. EUR payouts cannot debit PYUSD-USDC. Do not treat PYUSD as settling to your Europe USDC wallet.

Live only

Tekko has no sandbox. Use a live API key. Requests with a test key return 503 { "code": "payment_unavailable" }.

Settlement & credit rule


Collect	Payer sends PYUSD on Ethereum to `depositAddress`
Settle	When `settlementStatus` is `settled`, Transacty credits `PYUSD-USDC` once (display PYUSD USDC)
Spend	No merchant PYUSD / PYUSD-USDC withdraw in this phase. EUR payouts cannot debit this pocket
Live only	Tekko has no sandbox. Use a live API key. `test` → `503` `payment_unavailable`
Market	`pyusd` must be approved

Transactions appear on the pyusd rail.
USDC (Europe) and PYUSD-USDC are different pockets. List them separately on GET /v1/balance items[].

Enable the pyusd market first. Until the market is KYB-approved, /v1/pyusd/* returns 403 (market_not_enabled).

Limits

Minimum amount: 1 PYUSD
Maximum amount: 500,000 PYUSD per intent
Scope: payin:create
Idempotency-Key required on create

Required headers

Every request uses HMAC authentication (same scheme as all /v1/* endpoints):

X-Transacty-Key
X-Transacty-Timestamp (Unix seconds)
X-Transacty-Signature = HMAC-SHA256(secret, "{timestamp}.{rawBody}")
Content-Type: application/json
Idempotency-Key (required on create — money write)

Required scope

payin:create

Merchant flow

Step	Merchant server	Transacty API
1	Create payment intent	`POST /v1/pyusd/payment-intents`
2	Show `depositAddress` + amount (QR / copy). Network is always Ethereum	—
3	Payer sends PYUSD	—
4	Poll or wait for webhook	`GET /v1/pyusd/payment-intents/:transactionId`
5	Mark the order paid only when `settled` is `true` (or `settlementStatus` is `settled`)	—

Do not treat “customer sent crypto” as credited.

Webhook events

When a webhook URL is configured, Transacty sends:

payin.completed — PYUSD-USDC credited (currency: "PYUSD-USDC", paidAmount = net credited)
payin.failed — expired or failed intent

See Webhooks for signature verification.