PayCow

PayCow is a non-custodial cryptocurrency payment gateway and digital commerce platform that enables businesses, developers, and content creators to accept USDT payments, sell digital products, manage storefronts, and receive donations.

The platform supports USDT transactions on the TRON (TRC-20) and Ethereum (ERC-20) networks. Payments are transferred directly from customers to merchant-configured wallet addresses without PayCow holding funds or managing private keys.

Core Features

Cryptocurrency Payment Gateway

• USDT payments via TRC-20 and ERC-20 networks.
• Hosted checkout pages and shareable payment links.
• Automated blockchain transaction monitoring.
• On-chain payment detection and confirmation tracking.
• Direct wallet settlement without intermediary custody.
• Multiple destination wallet management.
• 0% platform transaction commission, with subscription-based pricing.

Developer Integration

• RESTful API for payment creation and status tracking.
• HMAC-SHA256 signed webhook notifications.
• API key and secret authentication.
• Payment event logs and transaction history.
• PHP, JavaScript, and Java SDK projects.
• WooCommerce and WHMCS integration projects.

Digital Products & Marketplace

• Digital product creation and management.
• Automated delivery of downloadable files and license keys after payment confirmation.
• Download expiration and access limits.
• License key inventory management.
• Public marketplace with product search, categories, and sorting.
• Individual product pages and shareable checkout links.

Storefront Management

• Custom merchant storefront URLs.
• Product catalog publishing.
• Merchant branding and business information.
• Product availability and pricing management.
• Integrated cryptocurrency checkout.

Donations & Creator Tools

• Personalized cryptocurrency donation pages.
• Donation goals and progress tracking.
• Optional supporter messages.
• OBS and Streamlabs donation alerts.
• Optional monthly donation reminders.

Merchant Dashboard

• Transaction monitoring and payment history.
• Payment status management.
• Wallet configuration and balance visibility.
• Transaction filtering and CSV exports.
• API credentials and webhook configuration.
• Subscription and usage monitoring.
• Customizable dashboard navigation.

Payment Verification & Security

• Blockchain confirmation verification.
• Non-custodial payment architecture.
• HTTPS-based API communication.
• Cryptographically signed webhook events.
• Payment claim submission and review.
• 72-hour Awake Mode for eligible payment issues.

PayCow combines cryptocurrency payment processing, digital product delivery, storefront management, marketplace distribution, and donation tools within a single merchant platform.