USDTTether
TRC20ERC20
Environment-scopedB2B crypto payments
Crypto payments infrastructure your finance team can reconcile
API-first B2B payments with signed webhooks, explicit lifecycles, and reviewed merchant enablement — on selected rails after approval.
Signed webhooksExplicit lifecyclesReviewed onboarding
Merchant access is reviewed before production enablement. Onboarding expectations · Integration guides
Supported assets
Selected rails businesses already understand
Selected crypto payment rails — scoped per merchant environment after approval, not a universal public inventory.
BTCBitcoin
Bitcoin
Environment-scoped
ETHEthereum
Ethereum
Environment-scoped
TRXTron
Tron
Environment-scoped
BNBBNB Chain
BEP20
Environment-scoped
LTCLitecoin
Litecoin
Environment-scoped
DASHDash
Dash
Environment-scopedWhy teams integrate
Built for operational confidence
Infrastructure clarity for engineering, finance, and operations — without marketing settlement promises or fake trust badges.
Ship with explicit lifecycles
Map Pending, Paid, and Confirmed to your commerce and finance controls — not a single ambiguous paid flag.
Verify webhooks server-side
Signed events on raw bytes, idempotent handlers, and replay-safe consumers — integration patterns your security team can review.
Reconcile across three planes
Commerce, provider, and finance alignment with exception queues — operational discipline finance teams expect.
Onboard through reviewed enablement
Merchant approval, selected rails, and scoped environments — structured access rather than anonymous production keys.
Payment operations model
Operational payment flow
Lifecycle
Payment states stay explicit from intent to finality.
Reconciliation
Commerce, provider, and finance stay matched.
Enablement
Access moves through review before production scope.
Fit check
A match if you ship server-side integrations
Kobbopay fits teams that need explicit payment lifecycles, verifiable webhooks, merchant approval, and finance-owned reconciliation — not anonymous self-serve keys or marketing settlement promises on day one.
Integration path
How it works
- 01
Create payment
Your backend creates a payment with a server-side API key.
- 02
Present checkout
The payer sees the payment path, amount, rail, and status surface.
- 03
On-chain payment
Funds move on the enabled rail for that merchant environment.
- 04
Lifecycle tracking
Kobbopay tracks Pending, Paid, Confirmed, Expired, and operational states.
- 05
Webhook + reconciliation
Signed webhooks notify your backend, while the portal supports daily visibility and reconciliation.
API keys stay server-side. Webhooks are verified against the raw request body.
Operational realism
How operations actually work
Illustrative walkthroughs for lifecycles, webhook retries, reconciliation, review, and anonymized merchant workflows — practical and constrained, not marketing stories.
- Lifecycle create → confirmed
- Webhook verify → idempotent apply
- Reconciliation exceptions
- SaaS · marketplace · top-up · invoice patterns
Buyer contexts
Where teams adopt this infrastructure
Illustrative B2B payment patterns — not guarantees that every industry, geography, or business model is supported. See use cases and operational walkthroughs for detail.
SaaS billing
A B2B software team enables paid plans using server-created payments and webhook-driven entitlements.
Marketplace settlement
A marketplace separates buyer checkout from seller settlement with explicit lifecycle and review boundaries.
Wallet top-up
A product credits internal balances after explicit confirmation semantics — not at first mempool sight.
Invoice collection
Accounts receivable issues a crypto payable tied to an invoice id with explicit expiry and reconciliation.
Payment operations, treasury, and engineering teams typically map these patterns to their own controls — merchant agreement and environment configuration remain authoritative.
Before production
Integration expectations & security
Serious integrations assume server-side secrets, verifiable webhooks, and honest operational boundaries. For authoritative behavior, your merchant agreement and environment configuration remain the source of truth.
Before production traffic
- Server-to-server only: API keys on your backend; checkout calls your API—not browser-held payment secrets.
- Webhook verification: verify signatures on raw POST bodies, then apply idempotent updates; treat retries as normal.
- Reconciliation ownership: map lifecycle states to orders and accounting; marketing copy is conceptual, not your enum spec.
- Merchant-owned secrets: you control rotation, storage, and blast radius—Kobbopay does not replace your vault or IR program.
Security boundaries
- Practical controls: signed webhooks, 2FA for sensitive merchant actions where enabled, and encrypted API key material at rest.
- Operational controls: merchant approval, selected rails, and withdrawal requests subject to configuration—not universal instant settlement.
- No overclaiming: no SOC 2, ISO 27001, “bank-grade,” “audited,” or “guaranteed settlement” claims on this marketing site.
Integration docs · Webhook verification · Security practices · Developers · Use cases
Due diligence
FAQ
Is merchant access instant?
No. Merchant access is subject to approval and environment configuration. This is intentional risk management, not a broken signup flow.
Do you support every chain and token?
No. Kobbopay operates on selected crypto rails and must be enabled for your environment. We do not publish open-ended multi-asset inventory or coverage claims on this marketing site.
Are payouts fully automated?
Merchants initiate withdrawal requests. Execution is subject to operational controls and configuration. Do not assume universal instant on-chain settlement.
Where should API keys live?
Only on your servers. Never in browsers, mobile apps, public repos, or support tickets.
Reviewed onboarding
Human qualification before production enablement — scoped rails and environment configuration.
Reconciliation discipline
Three-plane operational model with guides, playbooks, and references — not vanity dashboards.
Implementation support
Integration docs, operational guides, and observability concepts for approved merchants.
Next step
Request access
Submit operational context for merchant enablement review. Legitimate teams never share seed phrases, private keys, API keys, webhook secrets, or wallet credentials — and neither do we.