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Psychic, Astrology, and Advisory Platform Payments

Use Peer Pay for web purchases and reading credits when app-store fees or specialist card reserves make a second rail useful.

Restricted categories require prior written approval from Peer. Production access is subject to merchant, product, and jurisdiction review.

Web checkout trades store commission for acquiring risk

Moving paid readings or credits outside an app can reduce store fees, but direct card billing introduces acquiring, reserve, dispute, and account-continuity risk.

Peer Pay offers a third path: the caller approves a payment from an app they already use, pays face value, and the platform receives proof-verified USDC settlement.

What changes with Peer Pay

Peer Pay is checkout software, not a payment processor or merchant account. The customer starts a payment from a supported app, a cryptographic proof verifies the transfer, and USDC settles to a self-custodial wallet controlled by the platform. Peer does not hold the merchant's funds, so this flow has no processor balance, rolling reserve, or payout schedule.

That different settlement path does not change the underlying sale. The merchant still owns product eligibility, licensing, customer checks, fulfillment, refunds, taxes, disclosures, and every rule that applies in the places it serves.

How the payment works

  1. Create the order. Use a hosted payment link, ecommerce integration, embedded checkout, or Scan to Pay at the counter.
  2. The customer chooses a supported app. They review the recipient and amount, then approve the payment on their own device.
  3. Wait for proof. Peer verifies the transfer before the order is marked paid. A screenshot is not payment confirmation.
  4. Reconcile settlement. USDC reaches the wallet controlled by the platform, and the dashboard keeps the payment tied to the order.

When the fit is strongest

  • You want a second payment rail that does not create a processor-held balance.
  • Your customers already use supported payment apps and can approve each purchase themselves.
  • You can receive USDC in a self-custodial wallet and reconcile it into your own operations.
  • You can test customer-initiated web checkout against your own app-to-web conversion data.

Before you launch

  • Peer Pay may cost more than a working card account; compare it with app-store commission and reserve exposure.
  • Refunds are issued by the merchant; there is no card dispute path against the Peer Pay transaction.
  • Keep truthful marketing, adult-user controls where required, and consumer-protection policies in place.

FAQ

Is Peer Pay cheaper than direct card billing?

Not always. Its strongest case is against app-store commission, processor reserves, or continuity risk, measured with your own conversion data.

What happens when a customer needs a refund?

The merchant reviews the request under its published policy and sends any approved refund directly.

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.