Overview
PayADA is a Cardano payment processor that lets businesses accept ADA and Cardano Native Tokens through hosted checkout links. Merchants generate a payment link, share it with a customer, and receive payment straight to their own wallet — no account, no holding period, no middleman. The platform sits in the same lane as Stripe-style hosted checkouts, but settles on the Cardano blockchain instead of card rails.
PayADA is self-custodial: the platform never holds customer funds, and merchants control the wallets that receive payments1. The team is based in Belgium and frames the product around European compliance, including alignment with the EU crypto-asset regulation MiCA, the data protection regulation GDPR, and anti-money-laundering rules AMLD5 and AMLD62.
Key Features
- Single flat fee, no plans. PayADA charges 1.75% per successful transaction with no setup costs, monthly minimums, or subscription tiers, and merchants can choose to absorb the fee or pass it on to the customer at checkout3.
- Hosted payment links for ADA and native tokens. Merchants create a link, share it anywhere, and the customer pays from any major Cardano browser wallet — including Nami, Eternl, Lace, Typhon, Yoroi, and Vespr — using ADA or a chosen Cardano Native Token1.
- Access links for gated communities. Charge in ADA or a community token, then route paying users into private destinations like a Discord server, a Telegram group, or members-only content1.
- Self-custody by design. Funds move directly from customer wallet to merchant wallet on chain. PayADA never takes custody and stores no private keys or seed phrases4.
- Developer tooling for custom integrations. A web-based API, signed webhooks, and developer toolkit (SDK) documentation let developers wire payments into existing storefronts, donation pages, or apps5.
What to Expect
If you are a merchant, getting started looks like signing up, connecting a Cardano wallet, and creating a payment link in a few clicks. The dashboard shows live transactions, lets you generate links for fixed ADA amounts or specific native tokens, and exposes settings for branding, webhooks, and access-link gating. There is no application fee, no monthly bill, and no minimum volume — the only cost is the 1.75% taken from each successful payment3.
If you are a customer paying through PayADA, the experience is a single hosted checkout page. You scan a QR code or click a link, approve the payment in your Cardano wallet, and the merchant receives the funds within blockchain confirmation time. Payment proof is anchored on chain and verifiable through public block explorers4.
The platform is live on mainnet, and the on-site counter shows real merchant activity in real time. Security is positioned as a first-class concern, with TLS 1.3 in transit, AES-256 at rest, bcrypt-hashed API keys, and signed webhooks; an independent security audit is not publicly disclosed4.
