Layer1 Merchant Payment Engine

Layer1's Merchant Payment Engine enables businesses to accept stablecoin and cryptocurrency payments from their customers, with built-in auto-conversion, dynamic payment channels, and a fully embedded checkout experience — all accessible through a single unified API.

Product Overview

The Merchant Payment Engine is built on top of Layer1's end-to-end stablecoin payments orchestration platform, developed by BVNK — a company that has processed over $25bn in annualised volume. It enables fintechs, PSPs, and online platforms to integrate crypto payment acceptance without building blockchain infrastructure from scratch. Clients can go live in under two months with fewer than 200 lines of code.

Key Features

• Crypto checkout flows: Fully embedded checkout experience for accepting digital asset payments from end customers
• Hosted checkout: White-labeled hosted checkout pages that direct end-users through the payment flow
• Pay-in and payout: Create pay-ins (receive crypto) and payouts (send crypto) via API
• Auto-conversion: Accept payments in any supported digital asset and automatically convert to the merchant's preferred settlement currency
• Dynamic payment channels: Flexible payment routing across different blockchain networks and assets
• Merchant fee charging: Built-in capability to charge merchant fees on payment processing
• Webhook notifications: Real-time payment status notifications for pay-ins and payouts
• Exception handling: Tools to handle payment edge cases and failed transaction scenarios
• Merchant account management: Create and manage multiple merchant accounts within a single multi-tenant deployment
• Multi-chain, multi-asset support: 10+ cryptocurrencies across major networks including Ethereum and Tron

Use Cases

Designed for payment companies, fintechs, PSPs, and online platforms that need to accept crypto and stablecoin payments at scale. The platform abstracts gas fees, wallet operations, routing, reconciliation, and address referencing — enabling teams to offer 24/7 real-time digital asset payment acceptance without maintaining blockchain infrastructure in-house.