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Overview & Concepts

Welcome to the DogPay PAAS (Web3 Acquiring) service. Before you begin your API integration, this guide will help you quickly understand our product positioning, core advantages, and key technical concepts during the integration process.

1. What is DogPay Stablecoin Acquiring Service?

DogPay Stablecoin Acquiring Service is a cryptocurrency payment processing gateway designed for modern enterprises. It allows your users to pay directly using stablecoins (such as USDT, USDC), while merchants can flexibly choose to receive fiat or stablecoins ultimately.

Compared to traditional fiat acquiring (like credit cards or local wallets), DogPay provides disruptive core business value:

  • Decentralized Clearing: Eliminates the cumbersome centralized clearing and settlement institutions (such as card networks and acquiring banks) found in traditional fiat acquiring, significantly improving fund transfer efficiency.
  • Immunity to Exchange Rate Volatility: Based on the underlying logic of stablecoins, combined with second-level settlement capabilities, it completely eliminates the exchange rate volatility risks common in cryptocurrencies.
  • Cost Reduction & Efficiency: Breaks geographical barriers, significantly reducing the handling fees and hidden costs associated with cross-border payments.

📊 Business Flow Overview

Below is a high-level view of how funds and information flow between the consumer, the merchant, and DogPay:

sequenceDiagram
    autonumber
    actor U as Consumer
    participant M as Merchant Platform
    participant D as DogPay Gateway
    participant C as Blockchain Network

    U->>M: 1. Select product/service and checkout
    M->>D: 2. Delegate acquiring request to DogPay
    D-->>M: Return Web3 hosted checkout link
    M->>U: 3. Redirect user to checkout page
    
    Note over U, C: User pays via MetaMask, Trust Wallet, etc.
    U->>C: 4. Transfer stablecoins (e.g., USDT/USDC)
    
    C-->>D: 5. On-chain confirmation & real-time KYT risk review
    Note over D: Eliminate FX volatility & lock value instantly
    
    D-->>M: 6. Asynchronously notify merchant of success
    M-->>U: 7. Merchant fulfills order (ships goods/activates service)
    
    Note over D, M: 8. T+0 settlement to merchant account

2. Applicable Business Scenarios

With extremely high flexibility and compliance, our acquiring service perfectly empowers the following industries:

  • 🌐 Cross-border & High-end E-commerce: Eliminates tedious cross-border foreign exchange restrictions, making it highly suitable for the global sales of high-ticket items (such as luxury goods and electronics).
  • 💻 Virtual & Online Services: Provides a seamless digital currency checkout experience for SaaS platform subscriptions, independent site membership systems, online consulting, etc.
  • 🎮 Gaming & Digital Assets: Natively fits the Web3 ecosystem, supporting high-frequency on-chain payment scenarios such as in-game virtual item purchases and NFT asset trading.

3. Security & Risk Control Foundation

DogPay always prioritizes the safety and compliance of merchant funds, embedding financial-grade protection mechanisms into the underlying architecture:

  • Cold & Hot Wallet Isolation: Adopts an extremely high-security standard, keeping 95% of funds in offline cold storage and retaining 5% in hot wallets for real-time circulation.
  • Multi-Signature (Multi-Sig): Core fund mobilization must pass a 3/5 private key authorization mechanism to eliminate the risk of single points of failure.
  • KYC/AML & KYT Traceability: Merchant onboarding requires strict identity authentication. Furthermore, every transaction and on-chain address is connected to the KYT (Know Your Transaction) system for risk review and traceability, effectively blocking black-market funds and isolating legal risks.
  • Real-time Monitoring Engine: The system monitors on-chain anomalies 24/7. Abnormal transactions automatically trigger a freeze mechanism, and merchants are only allowed to withdraw funds to a pre-set whitelist of addresses.

4. Developer Must-Read: Core Technologies & Global Architecture

To ensure your system can securely and stably integrate with DogPay, please make sure you understand the following technical design philosophies before reviewing specific API endpoints.

🌍 4.1 API Environments

DogPay provides completely isolated testing and production environments for developers. It is strongly recommended to complete end-to-end integration testing in the Sandbox environment before going live.

🪙 4.2 Currency Config

In Web3, the same token (e.g., USDT) may be issued simultaneously on multiple different blockchains (e.g., Ethereum, Tron, Solana). Because the underlying protocols and network fees of different chains vary completely, the combination of "Currency + Chain" must be unique.

  • Integration Note: When creating an order, you must pass the currencyConfigId defined by the DogPay system to precisely specify which token the user will pay with on which public chain.

🛡️ 4.3 Idempotency & Call ID

Due to network latency or client anomalies, your system may initiate multiple API requests for the same business transaction. To prevent duplicate deductions or the generation of multiple redundant orders, DogPay's core APIs adopt a strict idempotency design.

  • Integration Note: When initiating a POST request (like creating an order or transferring funds), you must provide a unique callId generated by your system in the request body. For retry requests containing the same callId, DogPay will directly return the processing result of the initial request.

⚡ 4.4 Asynchronous Driven via Webhooks

Unlike traditional fiat APIs that synchronously return a "payment successful" message, blockchain transactions inherently have a block generation delay from initiation to final confirmation (e.g., Ethereum may take several minutes).

  • Integration Note: DogPay's acquiring API will only synchronously return the order creation status and payUrl. All subsequent order fulfillment and business releases in your system must rely entirely on asynchronous Webhook notifications sent by DogPay.

🔗 4.5 Hosted Checkout

To minimize merchants' R&D costs, DogPay adopts a hosted Web3 checkout design.

  • Integration Note: You do not need to integrate complex crypto wallet connection logic (like WalletConnect) into your own frontend pages. After calling the create order API, DogPay will return a payUrl. You simply need to redirect the user to this link, and DogPay will handle all complex interactions such as QR code scanning, on-chain countdowns, and exchange rate locking.

Updated about 11 hours ago