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Peer Pay

The iGaming payment processing alternative

Payment processing treats gaming as a category to manage: pre-approval, reserves, reviews, and a balance that can stop moving the week you need it. Peer Pay is checkout software for lawful gaming operators, not another processor. Players pay with the everyday apps they already use, a cryptographic proof verifies each payment, and USDC lands in a wallet you control.

The cycle gaming operators know

None of it requires a single thing to have gone wrong at your business. It is how the card model treats a category it never wanted:

  1. Approved, with conditions. Underwriting says yes to gaming, priced as high exposure: category rates, a rolling reserve, a payout delay.
  2. Re-reviewed. A ratio moves, a promotion spikes volume, or an underwriter reads your sweepstakes or skill model differently than the last one did, and the file reopens.
  3. Frozen. The balance stops moving while the review runs on a timeline you cannot see into. Orders keep arriving; the money does not.
  4. Blocklisted. The account closes with funds held through a notice period, and the termination follows you: the next underwriter checks the industry blocklists before reading a word of your application.

A different shape: nobody holds the money

Every step of that cycle depends on one structural fact, an intermediary balance sitting between the player and you. Peer Pay removes the balance instead of negotiating its terms. Peer Pay is checkout software, not a payment processor or merchant account: the player pays you directly, a cryptographic proof verifies the payment, and Peer never holds, controls, or transmits the money. There is nothing to freeze, no reserve, and no payout schedule, because no one is holding your funds.

  • Verified, not trusted. Every payment is confirmed by cryptographic proof, in under 15 seconds, before the order is marked paid.
  • Settled to you alone. USDC arrives in a self-custodial wallet you own and control. No holding periods, no payout schedules.
  • One-way settlement. Once a payment verifies, it is final. Refunds are transactions you initiate from your dashboard, not disputes filed against you.
  • Familiar for players. They pay in the apps they already use, across 40+ currencies, with no crypto on their side.

Plenty of gaming payment products promise instant settlement and chargeback protection while still sitting inside the money flow, and whoever sits inside the flow can stop it. Here the money never sits with anyone. Setup is $0 with no monthly minimums, and more than $20M has settled through the Peer protocol.

How a payment works

  1. Share a link, your store, or a QR code. A payment link, your WooCommerce or Shopify checkout, an embedded flow, or Scan to Pay in person.
  2. The player pays in their app. Venmo, Cash App, Zelle, PayPal, Revolut, Wise and more. No new account, no crypto on their side.
  3. Proof verifies the payment. A cryptographic proof confirms it in under 15 seconds, before the order is marked paid.
  4. USDC lands in your wallet. A self-custodial wallet you own and control. No holds, no payout schedule.

Fits how you run

  • Payment links. Create an order in the dashboard and share the link. No store required.
  • WooCommerce. Drop in the gateway plugin.
  • Shopify. Connect your storefront.
  • SDK and embedded checkout. Build payment into your own cashier, lobby, or app.
  • Telegram bot. Type /request to create a payment link without leaving the chat.
  • Scan to Pay. A QR code at the counter for card rooms, tournaments, and live events.

The gaming payments library

FAQ

Is Peer Pay an iGaming payment processor?

No. Peer Pay is checkout software, not a payment processor, gateway, or merchant account. Payments move directly from your customer to you, verified by cryptographic proof; Peer never holds, controls, or transmits the money.

Which gaming businesses can use Peer Pay?

Lawful operators: skill gaming, sweepstakes, fantasy contests, prediction markets, card rooms, casino-style operators licensed where required, and game studios selling digital goods. Licensing, geolocation, and age requirements stay your obligations in every market you serve.

Which payment apps can players use?

Venmo, Cash App, Zelle, PayPal, Revolut, Wise, Monzo, Chime, Mercado Pago and Alipay, across 40+ currencies. Players pay in the app they already use; you receive USDC in a self-custodial wallet.

Can a player deposit be charged back?

No. Settlement is one-way: a cryptographic proof verifies the payment before the order is marked paid, and once it verifies the funds are yours. Refunds are separate transactions you initiate from your dashboard, never disputes filed against you.

Does Peer Pay handle payouts to players?

No. Peer Pay is a pay-in product: it verifies incoming payments and settles USDC to a wallet you control. Prizes and redemptions keep running on the rails you already use.

What does it cost, and how fast can we be live?

The software fee is 2.95% per successful payment on the Base plan, 4.95% on Pro with seller-side verification, and 1% for crypto payments, with custom concierge terms above that. Setup is $0 with no monthly minimums. Create an account, run a test order in free demo mode, and talk to the team about going live. Merchants can be live the same day.

Questions about your store, or moving over after a processor exit? Email sales@peer.xyz, or create an account and run a test order in free demo mode. Merchants can be live the same day.