Zero-KYC Onboarding Guide | 0% Commission

1

Instant Account Registration

Create your merchant operator profile in seconds with zero KYC roadblocks or documentation requests.

Navigate to paycow.net/register and complete the simple registration form.
No identity verification (KYC), corporate document uploads, or manual waiting queues required.
Immediate access to your Merchant Dashboard upon account creation.

2

Register your external TRON USDT (TRC-20) and Ethereum USDT (ERC-20) addresses where customer payments will settle directly.

Add your external addresses (Cold Wallets, Binance, Bybit, OKX, etc.) with custom labels and network tags (TRC-20 / ERC-20).
Assign locked serial identifiers (e.g. WAL-1001, WAL-1002) for dynamic checkout routing.
Zero custody risk: PayCow never holds your private keys or manages custody over your balances.

3

Generate your API credentials, configure your webhook endpoint URL, and integrate PayCow's RESTful endpoints into your checkout flow.

Retrieve your production API Key and Secret directly from the Merchant Dashboard.
Initiate checkout sessions with a single standard HTTP POST request to /api/payment/create specifying your preferred network (TRC20 or ERC20).
Configure your HTTPS Webhook endpoint URL and retrieve your HMAC-SHA256 signing secret in the Merchant Portal for real-time transaction push notifications.
Dynamically route payments to specific wallet serials with custom order metadata and timestamps.

4

Transactions route straight to your registered external wallets with automated deterministic verification and real-time webhook callbacks.

Buyers send USDT transfers directly to your destination address on TRON (TRC-20) or Ethereum (ERC-20).
PayCow's node engine verifies on-chain block confirmations (12 blocks for ERC-20, solidified confirmations for TRC-20) for immutable finality.
PayCow dispatches an automated HTTPS POST webhook signed with HMAC-SHA256 directly to your backend upon confirmed finality, enabling zero-polling order completion.
Funds land directly in your wallet without internal balances, withdrawal queues, or intermediary hold periods.