Get paid directly.

Customers pay from the wallet they already use. The money moves from theirs to yours in one transaction, with no chargebacks and nobody holding it in between.

Talk to us Read the docs

In early access.

Any wallet. Any chain.

Your customers pay from the wallet they already use, on Ethereum, Base, Arbitrum or Optimism, even in a different token. Every path ends in the same place, your wallet, in the currency you chose.

Nobody in between.

A card payment passes four companies on its way to you, and any of them can take a cut, hold it or reverse it. On Rayl it is one transaction, from your customer's wallet to yours. Rayl signs the terms and never holds the money.

No take-backs.

No batches, no payout schedule, no chargebacks. Once a payment is confirmed on-chain, nobody can pull it back.

One payment, three steps.

No card forms, no settlement batches, no reconciling against a payout report days later.

Your serverPOST /v1/checkout/intents

Create a payment intent with an amount and a token. You get back a client secret for the checkout.

Your customerpays 240.00 USDT on Arbitrum

On the hosted checkout or your own page, from any wallet. They can pay in another token, and you still receive the currency you asked for.

Youhave the money

A signed payment_intent.confirmed webhook. By then it's already in your wallet.

Two ways to use it.

Same API, same settlement straight into your wallet. The difference is who builds the payment page, and how you pay for Rayl.

Checkout

We build the payment page.

Send a payment link or redirect to the hosted checkout. Customers pay from any wallet, in the token they hold, and you're live without writing a frontend.

1% per payment, minimum 0.05. No monthly fee.

For stores, SaaS, creators and invoices.

Rail

You build it, we settle it.

Put Rayl's contracts under your own payment flow, including installments for requests paid in parts. Every cent of each payment reaches your wallet.

$49 a month and up. 0% per payment.

For marketplaces, payout platforms and B2B billing.

As a rule of thumb, from about $4,900 a month in payments, Rail's Starter plan costs less than Checkout's 1%, if you're happy to build the payment page yourself.

We can't freeze what we never hold.

Rayl coordinates payments. The money itself never sits in an account we control.

Wallet to wallet

Every payment is one transaction from your customer straight to you. No pooled balance, no payout schedule.

Signed terms

The contract only runs a payment Rayl signed for that exact amount, token and recipient, and only once.

Limits you set

Refunds and payouts use an allowance you choose. You can lower or revoke it from your wallet at any time.

Your keys stay yours

Rayl never asks for, stores or uses your private key or seed phrase.

Read the security model

Made for the people who integrate it.

A REST API with a test mode built in. Amounts are decimal strings, IDs carry a prefix, and every error has a stable code you can switch on.

Test mode with simulated payments, no funded wallet needed
Signed webhooks with retries and a delivery log
Idempotency keys, so a retried request never creates a second payment
One intent across several chains, and the customer picks where to pay

Quickstart API reference

POST /v1/checkout/intents

curl -X POST https://api.rayl.app/v1/checkout/intents \
  -H "Authorization: Bearer $RAYL_KEY" \
  -H "Idempotency-Key: order_1042" \
  -d '{
    "token": "base_usdc",
    "amountGross": "250.00",
    "metadata": { "orderId": "1042" }
  }'

const res = await fetch('https://api.rayl.app/v1/checkout/intents', {
  method: 'POST',
  headers: {
    Authorization: `Bearer ${process.env.RAYL_KEY}`,
    'Idempotency-Key': 'order_1042',
  },
  body: JSON.stringify({ token: 'base_usdc', amountGross: '250.00' }),
});

// 201 Created
{
  "id": "pi_8hTq3W…",
  "status": "CREATED",
  "amount_net": "247.50",
  "client_secret": "pi_8hTq3W…_secret_…"
}

Tell us what you're building.

Rayl is in early access. We're bringing on a small number of businesses ourselves and going live with each one personally. If you'd like to be one of them, tell us what you sell and how you get paid today. A founder reads every message.

Prefer email? hello@rayl.app