Beans Business SDK: Cross-Currency Payment API

The Beans Business SDK is an open-source cross-currency payment API that enables merchants, webshops, crypto platforms, and physical point-of-sale systems to accept payments in multiple currencies — including USDC, EURC, ARS, BRL, XLM, and BTC — with instant settlement and zero transaction fees.

How It Works

Businesses integrate the SDK via standard REST API calls compatible with common platforms such as Shopify and WordPress. Once integrated, merchants generate a QR code or payment link by providing the currency, amount, and message. Customers scan the QR code or open the link and pay in their preferred currency; Beans automatically converts it to the merchant's desired currency. The API notifies the merchant's system when payment is processed, completing the checkout flow instantly.

Key Features

• Instant Processing: Transactions via the merchant QR code are reflected in the merchant's Beans account immediately — no waiting for banks or third-party providers
• Free Transactions: All transactions through the merchant QR code are free of charge; no hidden fees, no commission, free currency exchange
• Multi-Currency Support: Accepts payments in any supported currency down to micro-amounts (0.01 USD equivalent)
• Easy API Integration: Open-source API and JavaScript SDK available on npm and GitHub
• Cash Out Options: Merchants can cash out in USDC, EURC, ARS, BRL, XLM, or BTC; cash withdrawals available at MoneyGram locations globally

Use Cases

• Webshop Integration: Embed Beans payments into Shopify or other e-commerce platforms
• Physical POS Solutions: Deploy QR-code payment acceptance in brick-and-mortar stores
• Stellar Platform Integration: Use Beans as an on/off-ramp for Stellar-based applications
• GPT/AI Integration for Donations: Accept payments or donations within AI-powered applications
• Crypto Platform Payments: Accept diverse payment methods on crypto trading or DeFi platforms