Help Center

PAYWISE is a payment gateway for accepting QRIS (every bank and e-wallet) and USDT on BEP20 on your website or app. Payment statuses update automatically, and funds can be withdrawn to a bank account or a BEP20 wallet.

1) Sign up as a merchant. 2) Complete your business profile. 3) Add your website. 4) Create an API key (start with sandbox to test). 5) Set up your webhook. 6) Once the integration works, create a live key and start taking payments.

Sandbox is for testing: its payments cannot really be paid, and you choose the outcome (paid / failed / expired) yourself, with the same webhooks as live. Live processes real payments. Sandbox (pw_test_…) and live (pw_live_…) keys are separate and never see each other's transactions.

QRIS 2% and USDT 3% of each successful payment, deducted automatically before it becomes available to withdraw. No setup fee and no monthly fee. Each withdrawal has a flat fee (see Withdrawals).

QRIS: any mobile banking or e-wallet app that can scan a QRIS code, such as GoPay, OVO, DANA, ShopeePay, LinkAja and the banks' own apps. USDT: any wallet or exchange that can send USDT on the BEP20 network (BNB Smart Chain).

Yes. Add each website on the Websites & webhook page. You do not need a separate account for each website.

Yes, for high volumes. Tell us your expected daily or monthly volume on Telegram and we will send you our best offer.

One QRIS payment is between Rp1.000 and Rp10.000.000.

10 minutes by default. Through the API you can set a shorter time with expires_in (in seconds). After that the payment is expired and the QR code can no longer be paid.

Pending: waiting for payment. Paid: the payment is confirmed. Failed: the payment could not be processed. Expired: the time ran out before the customer paid.

Open the payment in the dashboard and press Check status: PAYWISE asks the payment provider directly. If it stays pending, ask the customer for their proof of payment (reference, time, amount) and contact support with the payment's PW… reference.

The customer sends USDT on the BEP20 network (BNB Smart Chain) to the address shown, for the pay_amount shown (which includes the provider's network fee). Other networks such as TRC20 or ERC20 are not supported, and funds sent on another network can be lost.

The payment is not marked as paid. When its time runs out it expires, and our team follows up with the customer (top-up or refund). If your customer asks about it, contact support with the payment's PW… reference.

PAYWISE sometimes pauses a payment method for a short time, for example during a provider or bank outage, or during maintenance. Payments already open are not affected. The System status page shows when it is back.

QRIS funds become available on this schedule (UTC+7): paid 19:00–06:59 → available at 10:30 (payments before midnight: the next day); paid 07:00–10:59 → available at 14:30; paid 11:00–14:59 → available at 18:30; paid 15:00–18:59 → available at 22:30. A merchant may have its own times; the exact time for your funds is on the Home and Withdrawals pages.

USDT funds are available as soon as the payment is paid.

Available funds are money after the transaction fee, whose settlement has arrived, and that has not been withdrawn yet. Money still waiting for its settlement batch is shown separately as "awaiting settlement".

No. Each method has its own available funds in its own currency: QRIS in rupiah (withdrawn to a bank account), USDT in USDT (withdrawn to a BEP20 wallet). They are never converted.

Yes. You can receive payments 24 hours a day, and the settlement schedule above applies every day, including Saturdays, Sundays and public holidays.

QRIS (to a bank account): Rp25.000 to Rp20.000.000 per withdrawal, fee Rp3.000. USDT (to a BEP20 wallet): 10.00 USDT to 10,000.00 USDT per withdrawal, fee 1.00 USDT. The amount you enter is what arrives; the fee is added on top and taken from your available funds. QRIS withdrawals of Rp5.000.000 or more have no withdrawal fee (with Partial withdraw: each part of Rp5.000.000 or more).

Choose Partial withdraw on the QRIS withdrawal page. An amount above Rp20.000.000 is split automatically into several withdrawals (e.g. 50 million = 20 + 20 + 10 million), with a Rp3.000 fee per withdrawal.

QRIS withdrawals to a bank account are sent automatically, usually within minutes. You can follow the status under Withdrawals and you are notified when it is done.

Most often: the account number or bank does not match, the destination account is inactive, or the BEP20 wallet address is wrong. A failed or rejected withdrawal always goes back to your available funds. Use Check account before submitting to make sure the account holder's name is right.

A code sent to your email every time you request a withdrawal, as extra protection. Without it no withdrawal can be requested, even if someone got into your account.

Only the account owner and team members with the Finance role. Developers and view-only members cannot request withdrawals.

PAYWISE sometimes pauses withdrawals for a short time, for example during maintenance or a bank outage. A notice on the withdrawal page explains why. Your available funds are not affected, and you can withdraw again as soon as it is resumed.

The fees in this Help Center are the standard fees. If you agreed a different rate with PAYWISE, your own fee applies, and the withdrawal page always shows it before you confirm.

Use the REST API (full documentation on the Developers page), the WooCommerce plugin, or the PHP / Node.js SDK. Create a payment with POST /api/v1/transactions, send the customer to the payment page (checkout_url) or show the QR yourself, then wait for the webhook.

A webhook is a notification PAYWISE sends to your server when a status changes (payment.paid, payment.failed, payment.expired and withdrawal.*). Every webhook is signed: the X-PAYWISE-Signature header is the HMAC-SHA256 of the raw body with your webhook secret. Always check it before fulfilling an order.

PAYWISE retries automatically several times. You can also resend it from the payment page. Make sure your server answers with HTTP 2xx and does not block PAYWISE's sender IP addresses.

Send a unique merchant_reference for every order. If a request with the same merchant_reference is sent again (for example after a timeout), PAYWISE returns the same payment instead of creating a new one.

Keep API keys on your server only, never in an app or in code visitors can see. Set allowed IP addresses on the API Keys page, and revoke keys you no longer use.

Yes: 60 requests per minute per API key by default. Above that, the API answers with HTTP 429; wait a moment and try again. Contact support if you need a higher limit.

They are listed on the Websites & webhook page. If your server or firewall only accepts known addresses, allow these.

Yes. Use the API Playground in the dashboard to send requests with your sandbox key, or download the Postman collection or OpenAPI file from the Developers page.

For example: a payment received, a daily summary, funds becoming available, withdrawal results, your monthly statement, failed webhooks and announcements from PAYWISE. Each team member only receives what fits their role, and some notifications can be turned off on the Notifications page.

Yes. Install the PAYWISE app straight from our website (no app store needed) and allow notifications. You are told the moment a payment arrives.

On the Transactions page, export your transactions as a CSV file. The Reports page shows your totals per period, with a CSV export and a monthly statement as PDF.

PAYWISE uses two-step verification: a sign-in from a new device asks for a code sent to your email. You can mark a personal device as trusted so you are not asked every time.

Yes. Invite team members with the right role (for example finance, developer or view only). Each role can only do what it is allowed to.

Click "Forgot password?" on the sign-in page, enter your email and follow the reset link we send you.

Change your password straight away, then on the security page sign out all other sessions and review the sign-in activity. Contact support about any payment or withdrawal you do not recognise.