Overview
PayADA is a checkout page for crypto payments that lets a business accept payment without a bank, a card processor, or a middleman holding the money. A merchant creates a payment link, shares it with a customer, and receives the funds straight into a wallet they control.
The platform runs on the Cardano blockchain, which means each payment settles directly on chain in ADA or in a Cardano Native Token chosen by the merchant. PayADA is built by a small Belgium-based team and frames the product around European rules: the EU crypto-asset law MiCA, the data protection law GDPR, and the AMLD5 and AMLD6 anti-money-laundering directives1.
Key Features
- One flat fee, no plans. PayADA takes a flat 1.75% on each successful payment. No setup fees, no monthly bills, no subscription tiers, and no minimum volume. At checkout the merchant chooses whether to absorb the fee or pass it on to the customer2.
- Payment links anyone can share. A merchant generates a hosted checkout page, shares the link by message, email, or QR code, and the customer pays from any major Cardano browser wallet, including Nami, Eternl, Lace, Typhon, Yoroi, and Vespr3.
- Access links for paid communities. Charge in ADA or a project token, then route paying customers into a private destination like a Discord server, a Telegram group, or members-only content. Useful for creators selling access without a third-party gatekeeper3.
- Money goes straight to the merchant. PayADA is self-custodial. Funds settle directly from the customer's wallet to the merchant's wallet on chain. The platform never holds the money and stores no private keys or seed phrases4.
- Developer tools for custom checkouts. PayADA publishes a web-based programming interface (API) and signed event notifications (webhooks) so a developer can plug payments into an existing storefront, donation page, ticket flow, or app instead of using the standard hosted checkout5.
What to Expect
If you run a business, the starting point is signing up, connecting a Cardano wallet, and creating a payment link in the dashboard. You can set a fixed ADA amount, pick a Cardano Native Token, brand the checkout page, and turn on an access link if the payment unlocks something private4.
If you are paying through PayADA, the experience is a single checkout page. You scan a QR code or click a link, approve the payment in your Cardano wallet, and the merchant receives the money within normal blockchain confirmation time. The transaction is recorded on chain and viewable through any public Cardano block explorer4.
The platform is live on the Cardano mainnet, and the homepage shows a running counter of real merchant activity. PayADA documents the security setup in detail, including encrypted connections, encrypted storage of data, hashed access keys, and signed event delivery, though no independent third-party security audit is publicly disclosed1.
