FAQ
FAQ
Answers to the questions enterprise buyers and developers ask most.
What does Copay do?
Copay is stablecoin payment infrastructure for businesses, with three product lines: a stablecoin cashier (pay-in, payout, cross-chain payout), a business U Card program, and Agentic Payment. Collection, balances, payouts, reconciliation and permissions run inside one account and audit boundary, operated by an overseas registered company.
Which chains and assets are supported?
USDT and USDC across major networks including TRON, Ethereum, BSC, Polygon, Arbitrum, Base and Solana. The exact set enabled for your account is shown on the balances page in the merchant console. Always match the sending network to the receiving address network — assets sent on the wrong chain cannot be recovered.
How long does integration take?
Three steps: create an order (or a deposit address for each user), receive the webhook, then confirm status through the query endpoint before releasing goods or crediting a user. With public API docs and an end-to-end example, teams with backend capacity typically finish integration in one to two days. Production keys are issued after business review.
There are two ways to collect — which one should I use?
Order mode suits one-off payments: create an order per payment with a fixed amount and expiry; the response includes a hosted checkout link you can send straight to the payer. Deposit-address mode suits balance-based platforms: create one long-lived address per user, who can top up any amount at any time, with a webhook on settlement. E-commerce uses orders; platforms where users top up first use deposit addresses. Both can run side by side.
Do I have to build a payment page?
No. The create-order response includes a hosted checkout link with a QR code, receiving address, exact amount due and an expiry countdown; it updates itself once payment settles, so you can send it directly to payers without building a frontend.
How are fees calculated?
Pay-in fees are calculated at your contracted rate with a per-transaction minimum. Payouts are charged a contracted flat fee per transfer, deducted from your balance separately from the payout amount. Cross-chain payouts use your contracted rate within a per-transfer floor and cap. Exact rates are agreed commercially based on volume and use case, and are stated clearly before integration.
How long do payouts take?
Payouts up to and including 500 USDT go on-chain right after platform confirmation, typically within minutes. Payouts above 500 USDT require admin approval, normally 15–20 minutes, then transfer automatically. Bursts of high-value payouts in a short window may hit platform velocity controls and see minor delays — a deliberate safety mechanism.
Do you support cross-chain payouts?
Yes, for the same asset across chains — for example Ethereum USDT out to TRON USDT — within a per-transfer amount range, priced at your contracted rate with a floor and a cap. Converting between different assets on payout (USDC out as USDT) is not supported.
How does reconciliation work?
Pass your own order ID when creating an order; it is echoed back in every response and webhook and can be queried exactly. In deposit-address mode you attach your own user ID instead. Webhook payloads carry a normalized settlement flag — credit on that flag and dedupe on the transaction ID. Orders, balances, payouts and deposits are all visible in the merchant console.
What if a webhook fails or never arrives?
Your endpoint must return 2xx within 5 seconds; failures are retried three times automatically, and repeated failures trigger a proactive alert. Historical events can be redelivered on request. Treat webhooks as a real-time signal and confirm status through the query endpoint before releasing goods, so a network incident never becomes a wrong ledger entry.
Can we monitor activity from a Telegram group?
Yes. Add the Copay bot to your business group and bind it, and settled deposits, completed payouts and large-payout approvals are pushed to the group automatically. The group can also query balances, recent orders, payouts and deposits, and ask the bot integration questions directly.
What is required to onboard?
Copay serves business customers, so onboarding requires business due diligence (KYB) — typically incorporation documents, a description of the business, and contact details. Once documents are in, the commercial team keeps you updated on review status and anything still outstanding.
Is Copay for individual users?
No. Copay serves business merchants, platforms, payment teams, and reviewed business use cases.
How do we apply for the business U Card?
U Card is an invitation-only physical card program for overseas registered companies. It requires business KYB, use-case review, cardholder KYC and admin activation, is issued in batches, and comes with a full-lifecycle management console. Book a demo to discuss it with the commercial team.
Does Agentic Payment let AI pay freely?
No. AI agents can only execute payments inside limits, allowlists, chains and assets a human approved in advance; every request is policy-checked and audited. An interactive public demo is available on the site.
Are full API docs public?
The overview, integration flows and Merchant API reference are public — orders, deposit addresses, payouts, webhook signature verification and an end-to-end example. Production keys are opened after business review.