Instant Payment Gateway for Developers

Accept payments from anywhere.
Ship it in an afternoon.

Cards, crypto, PayPal and local wallets through one API and a beautiful hosted checkout. Signed webhooks, a real ledger and fast payouts — without building a payments team.

Start in test mode — free Read the docs

Cards300+ coinsPayPalbKash · NagadApple / Google Pay

$ curl https://paylume.besends.com/api/v1/payments \
    -H "Authorization: Bearer sk_live_…" \
    -d '{"amount": 4900, "currency": "USD"}'

{
  "id": "pay_8fK2xQ…",
  "status": "requires_payment_method",
  "checkout_url": "https://paylume.besends.com/pay/…"
}

Amount due

$49.00

Cardvia Stripe

Cryptovia NOWPayments

bKash · Nagadvia SSLCommerz

Pay $49.00

Everything a payments stack needs

Built the way the best gateways work — idempotent APIs, signed events, test mode, and a ledger you can trust.

One API, every rail

Cards, crypto, PayPal, bKash/Nagad via SSLCommerz — behind a single REST call and a hosted checkout.

Hosted checkout

Mobile-first, conversion-tuned pay page. Card data goes straight to the provider — you stay out of PCI scope.

Smart routing

Gateways are filtered by currency, mode, package and per-merchant rules — customers only see what works.

Signed webhooks

HMAC-SHA256 signed events with timestamp replay protection and 24-hour retry with backoff.

Real ledger

Double-entry style balances: pending, available and rolling reserve, with T+N settlement per package.

Crypto payouts

Withdraw to USDT TRC20/BEP20, RedotPay or bank. Every payout is reviewed and recorded with its tx hash.

Create a payment

POST /v1/payments with an amount and currency. Get back a checkout URL.

Customer pays

They pick card, crypto, PayPal or wallet on the hosted page and pay the provider directly.

You get notified

A signed payment.succeeded webhook hits your server; funds settle to your balance.

Simple, transparent pricing

A one-time activation fee, then a per-payment commission. No monthly fees. Test mode is always free.

Starter

Launch fast — individuals & side projects

3.90% + $0.30

per successful payment

$29.00 one-time activation

Hosted checkout
Card + crypto + PayPal
Test mode & API keys
Webhooks with retries
T+7 payouts, 10% rolling reserve
$5,000 monthly volume

Get started

Security isn't a feature. It's the floor.

Paylume is designed so a mistake doesn't become a breach.

Provider credentials encrypted with AES-256-GCM
API keys stored as SHA-256 hashes, shown once
Mandatory TOTP 2FA for administrators
Provider results verified server-side (signature or API lookup)
Amount & currency checked before crediting
Idempotent state transitions — money moves once
Strict CSP with nonces, HSTS, no framing
Full audit log of every sensitive action

Questions

How fast can I start?+

Sign up and you get test API keys immediately. The built-in simulator lets you test the full flow — checkout, webhooks, dashboard — before you verify.

What does going live require?+

Choose a package, pay its one-time activation fee, upload the documents that package requires, and submit for review. Live keys unlock on approval.

Do you store card numbers?+

No. Customers enter card details on the processor's own secure page (Stripe, PayPal, SSLCommerz, NOWPayments). Paylume only receives the result.

How do I get paid?+

Successful payments land in your pending balance, move to available after your package's settlement window, and you request a payout to USDT, RedotPay or bank.

Is there an idempotency key?+

Yes — send an Idempotency-Key header when creating payments and retries return the original payment instead of creating duplicates.

Your first payment is 5 minutes away.

Create an account, grab a test key, and watch a payment land in your dashboard.