Check XPayr Gateway API v1 operational health, version, and server timestamp (public endpoint, no API key required).

Create a non-custodial crypto payment session supporting Dual Checkout (Web3 1-Click Pay & Direct Transfer / QR from Binance/Bybit/OKX with on-chain explorer verification), multi-chain agnostic links, 1-year reusable payment links, and automated HTML invoice email delivery.

Retrieve full details, metadata, settlement split amounts, checkout mode, and on-chain transaction hash for a specific XPayr payment session.

List merchant crypto payment sessions with optional filtering by status (pending, completed, expired, failed), currency, network, and pagination.

Poll real-time public checkout status, on-chain tx_hash, sender wallet address, block confirmations, and paid_at timestamp for any session (public endpoint, no API key required).

Validate and apply a merchant discount coupon code to an active pending payment session and recalculate the effective crypto price.

Retrieve authenticated merchant profile, business name, primary settlement wallet address, commission rate in basis points (50 bps = 0.5%), active API keys, and livemode status.

Query confirmed non-custodial settlement volume, transaction counts, total merchant received amounts, and platform fees grouped by currency and blockchain network.

List all active EVM, TRON, Solana, and Arc Mainnet/Testnet blockchain networks, chain IDs, RPC endpoints, smart-contract splitters, and supported tokens enabled for the current API key mode.

Inspect the merchant webhook callback URL, masked HMAC-SHA256 signing secret, and subscribed payment lifecycle events (payment.pending, payment.completed, payment.failed, payment.expired).

Configure or update the merchant HTTPS webhook receiver URL and generate a fresh 32-byte HMAC-SHA256 signing secret.

Dispatch a signed test.webhook event with HMAC-SHA256 headers to the configured merchant webhook URL to verify signature validation and delivery.

Provision a new merchant-managed AI commerce agent identity with scoped credentials and programmable spending guardrails.

List all AI commerce agents managed by the merchant along with their status, assigned wallets, and spending policies.

Upsert spending policy rules for an AI commerce agent, including maximum per-transaction USD amount, daily budget cap, auto-approve threshold, and allowed blockchain networks/tokens.

Submit an autonomous AI agent payment intent evaluated in real time against merchant spending policy guardrails (returns approved, pending_approval, or rejected).

List AI agent payment intents, policy evaluation decisions, and audit trail records for the merchant.

Bridge an approved AI agent payment intent into a live executable XPayr payment session with hosted checkout URL and on-chain verification.

Approve a pending AI agent payment intent from the merchant human-in-the-loop approval queue and optionally bridge it to a checkout session.

Reject a pending AI agent payment intent in the merchant approval queue with an audit reason.

Deterministically calculate XPayr flat 0.5% (50 bps) gateway fee split, net merchant wallet settlement, exchange withdrawal underpayment tolerance (1%, max $0.50), and cost savings compared to BitPay (1%), Coinbase Commerce (1%), NOWPayments (0.5%-1%), and Stripe (2.9% + $0.30). Works offline without API keys.