# Aliquot > Stablecoin payments infrastructure for platforms. Invoices paid in USDT and USDC on Polygon PoS, BNB Smart Chain and Base; each confirmed payment is split between seller, partners (affiliates), the platform's own markup and a processing fee (1.00 % down to 0.50 % with volume), and booked on a double-entry ledger. A platform (marketplace, SaaS, creator platform, Telegram community) integrates the merchant API; its sellers get paid in stablecoins and the platform takes its own markup on top. ## Facts - Networks and tokens: Polygon PoS (USDT, USDC), BNB Smart Chain (USDT, BEP-20, 18 decimals), Base (USDC). - Confirmation thresholds: Polygon PoS 64, BNB Smart Chain 15, Base 30. They are a risk policy, not protocol finality. - Sandbox (the real API on test networks with free test tokens; `mode: "test"` in the API): Polygon Amoy (USDC), BSC Testnet (USDT), Base Sepolia (USDC). - Surfaces: hosted checkout (/pay/:id, EIP-681 QR, wallet payment, live status), headless API, payment links (/l/:slug), React embed (), Telegram Mini-App. - Money movement: splits on an append-only double-entry ledger, payouts to wallets with a TOTP step-up, pull refunds claimed by the buyer through a private link. - API: merchant API under /api/v1/crypto; Idempotency-Key required on invoice and payout creation; webhooks (invoice.*, payout.*, refund.*) signed with HMAC-SHA256 (X-Webhook-Signature: t=,v1=) and retried. - Pricing: a processing fee on the base price of each confirmed payment, by monthly Live volume per organization: 1.00 % at first, down to 0.50 % from 500,000 USD a month (rates above that are negotiated). The better tier of last month and this month so far applies, to invoices created after reaching it. GET /api/v1/crypto/pricing returns the organization's current rate and next tier. Payouts: 1 USD + 0.1 % of the amount, in the payout token. Refunds: network cost only. Platforms add their own markup (0–20 %). fee_payer CUSTOMER adds fee and markup to the price; MERCHANT takes them from the seller's share. No plans, no monthly fees. Full documentation corpus in a single file: https://aliquot.cc/llms-full.txt Every docs page is also served as markdown: append `.md` to its URL (for example `/docs/payments/quickstart.md`). ## Payments documentation - [Payments overview](https://aliquot.cc/docs/payments): What Aliquot does: invoices, hosted checkout, splits, refunds, payouts, networks and the invoice lifecycle. - [Quickstart](https://aliquot.cc/docs/payments/quickstart): API key → invoice (POST /api/v1/crypto/invoices with Idempotency-Key) → hosted checkout → signed webhook. - [Authentication](https://aliquot.cc/docs/payments/authentication): API keys and permissions, Sandbox and Live per request, Idempotency-Key, the error format, pagination and rate limits. - [Invoices](https://aliquot.cc/docs/payments/invoices): Create, list, retrieve and void invoices; every field; quotes; the hosted checkout. - [Payment links](https://aliquot.cc/docs/payments/payment-links): A reusable fixed-price payment page; every payment started from it creates a new invoice. - [Webhooks](https://aliquot.cc/docs/payments/webhooks): Events, payloads, signature verification, retries, endpoint management and secret rotation. - [Ledger and splits](https://aliquot.cc/docs/payments/ledger-and-splits): The fee waterfall (processing fee by monthly volume tier, platform markup, partner shares), the pricing endpoint and the double-entry postings. - [Confirmations](https://aliquot.cc/docs/payments/confirmations): Thresholds per network (64 / 15 / 30), reorg handling, and why the product says "confirmed", not "final". - [Payouts](https://aliquot.cc/docs/payments/payouts): Paying settled balances to a wallet, the payout fee (1.00 + 0.1 %), the TOTP step-up and the payout lifecycle. - [Refunds](https://aliquot.cc/docs/payments/refunds): Pull refunds through a private claim link: overpayments, expired partial payments, late and wrong-token transfers. - [Telegram communities with affiliates](https://aliquot.cc/docs/payments/telegram): Sell Telegram channel access for USDT: partner account per affiliate, invoice with a split, checkout as a Mini-App (pay_url?tg=1), invite on invoice.paid, affiliate payouts. ## Comparisons - [Aliquot compared](https://aliquot.cc/compare): Side-by-side comparisons of Aliquot and other ways to accept stablecoin payments, written for platforms that pay sellers and affiliates. Each one says when the other provider is the better choice. Last updated 1 November 2026. In Spanish: https://aliquot.cc/es/compare. - [Aliquot vs Stripe stablecoin payments](https://aliquot.cc/compare/aliquot-vs-stripe): Choose Stripe if you already take cards on Stripe and want customers to pay in USDC from the same checkout, with the money landing in your Stripe balance as USD. Choose Aliquot if you run a platform that takes USDT or USDC on Polygon PoS, BNB Smart Chain or Base and needs every payment split between seller, affiliates and your own markup on a double-entry ledger, then paid out to wallets. Stripe’s pricing page lists 1.5 % for stablecoins; Aliquot charges 1.00 %, down to 0.50 % with volume. - [Aliquot vs NOWPayments](https://aliquot.cc/compare/aliquot-vs-nowpayments): Choose NOWPayments if you want to accept many cryptocurrencies (it lists 350+ currencies) and have payments go straight to your own wallet. Choose Aliquot if USDT and USDC are enough and you run a platform: each payment is split between seller, affiliates and your markup, booked on a double-entry ledger and paid out to wallets. NOWPayments lists a 1 % service fee; Aliquot charges 1.00 %, down to 0.50 % with monthly volume. - [Aliquot vs Cryptomus](https://aliquot.cc/compare/aliquot-vs-cryptomus): Choose Cryptomus if you want to accept many cryptocurrencies with free automatic conversion and negotiate your own rate. Choose Aliquot if you run a platform paid in USDT and USDC and need each payment split between seller, affiliates and your markup on a double-entry ledger, then paid out to wallets. Cryptomus states 2 % per transaction for new users, down to 0.4 % on request; Aliquot publishes 1.00 %, down to 0.50 % with monthly volume. ## Legal - [Privacy](https://aliquot.cc/privacy): What is collected and why. - [Terms](https://aliquot.cc/terms): Terms of service.