RugWard Pay
RugWard Pay overview
Accept crypto straight to your own wallet. What RugWard Pay is, which coins it supports, what it costs and how money moves.
On this page
What RugWard Pay is#
RugWard Pay is a non-custodial crypto payment gateway. You create an invoice in US dollars, your buyer picks a coin on a hosted checkout page, and the payment goes directly from the buyer's wallet to your own wallet. RugWard reads public blockchain data to tell you (and your server) when the payment has arrived and is confirmed.
RugWard never receives, holds, converts or forwards your money. There is no RugWard balance, no withdrawal and nothing RugWard could freeze. The flip side: RugWard also cannot reverse, refund or recover a payment. Refunds and disputes are between you and your buyer.
How a payment works#
- You sign in to the merchant dashboard with your wallet (a free signature, no transaction) and save your receiving addresses. See Merchant setup.
- You create an invoice in USD, in the dashboard or with the API. You get a checkout link:
https://rugward.com/pay/i/<invoice id>. - The buyer opens the link and picks a coin. RugWard locks the exchange rate for 30 minutes and shows the exact amount, your address and a QR code.
- The buyer pays from their own wallet. RugWard watches the chain, shows the payment as soon as it is seen, and marks the invoice paid after the required confirmations.
- Your dashboard updates, and your server gets a signed webhook (
invoice.paid). Ship only after that.
Supported coins and networks#
The buyer can pay with any coin you enable in Settings. Token contracts are fixed by RugWard (never taken from a request), so a buyer can never be shown a fake token.
| Asset id | Coin | Network | Confirmations |
|---|---|---|---|
BTC | Bitcoin | Bitcoin | 1 |
XMR | Monero | Monero | 10 |
ETH-1 | ETH | Ethereum | 12 |
USDT-1, USDC-1 | USDT, USDC | Ethereum | 12 |
ETH-8453, USDC-8453 | ETH, USDC | Base | 30 |
ETH-42161, USDC-42161, USDT-42161 | ETH, USDC, USDT0 | Arbitrum | 60 |
BNB-56, USDT-56, USDC-56 | BNB, USDT, USDC | BNB Chain | 15 |
USDC-137, USDT-137 | USDC, USDT0 | Polygon | 32 |
SOL, USDC-SOL, USDT-SOL | SOL, USDC, USDT | Solana | finalized |
The asset id is what the API and webhooks use (for example "asset": "USDC-8453").
RugWard Pay does not accept Litecoin (LTC) or other coins that are not in this table. A buyer who holds another coin can first swap it into an accepted coin in their own wallet with RugWard Swap or the BTC & XMR swap, then pay the exact amount.
Fees#
| Payment | RugWard fee | How it is taken |
|---|---|---|
| ETH or USDC on Base | 0.5% | Split on-chain in the buyer's own transaction by the RugWard Pay splitter: you receive 99.5%, the RugWard fee wallet 0.5%. |
| Every other coin and network (Bitcoin, Monero, Solana, Ethereum, Arbitrum, BNB Chain, Polygon) | 0% (launch promo) | Nothing is taken. The buyer pays the normal network fee only. |
| Paying with a different coin than the invoice coin | Normal published swap fee (0.5% EVM and Solana, 1.5% BTC; the XMR fee is shown in each Monero quote) | The buyer swaps into the coin first with RugWard swaps, in their own wallet. |
RugWard never charges a fee by holding your money. Any future fee change is shown on the dashboard and on the checkout before it applies. The live fee text is always on rugward.com/pay.
Limits#
| Limit | Value |
|---|---|
| Invoice amount | $1 to $50,000 (up to 2 decimals) |
| Test invoice amount | $1 to $100 (Sepolia testnet coins only) |
| Invoice lifetime | 15 minutes to 7 days (default 60 minutes) |
| Rate lock per coin | 30 minutes |
| Coin changes per invoice | up to 8 quotes |
| New invoices | 500 per merchant per hour |
| API keys | 10 per merchant |
| Active payment links | 100 per merchant |
What RugWard Pay is not#
- Not a bank, escrow, exchange or payment processor, and not a party to your sale.
- Not a custodian: it never touches the money, so it cannot refund, chargeback or recover funds.
- Not for illegal goods or services: see the merchant terms. Users are responsible for complying with their local laws.
RugWard Pay is internally reviewed by RugWard (our own review, not an independent one).
Where to go next#
- Merchant setup: sign in, addresses, coins.
- Invoices, links and test payments: everything in the dashboard.
- Checkout: the buyer's view: what your buyers see, coin by coin.
- Statuses, confirmations and proofs: paid, underpaid, overpaid, late, expired.
- API reference and Webhooks: integrate your shop.
- The 0.5% splitter on Base and Security, FAQ and troubleshooting.
Last updated: October 30, 2026