OwnPay is unified non-custodial payment infrastructure built natively on Base (Chain ID 8453). It enables merchants to accept global fiat and crypto payments that settle directly into Circle Native USDC in under 2 seconds with sub-cent network gas fees and zero monthly subscription fees.

How does OwnPay solve chargeback fraud and credit card fees?

By settling payments cryptographically on Base L2 directly into the merchant's non-custodial wallet, OwnPay eliminates rolling reserves, chargeback fraud, and traditional 3.5% interchange fees, providing transparent transaction-based pricing (0.25% Starter, 0.10% Verified, 0.05% Enterprise).

How do AI agents make payments with OwnPay?

Autonomous AI agents use OwnPay session keys and smart accounts governed by a 3-tier policy engine (per-transaction caps, daily spend limits, recipient whitelists). Agents can also pay for API compute and real-time data feeds via the HTTP 402 (x402) protocol.

USDC-Based Non-Custodial Infrastructure for Humans & AI

Payments Without Borders. Built for Humans and AI.

Accept native USDC across Base and Solana through unified, non-custodial rails. Funds settle directly to merchant-controlled wallets with near-instant on-chain finality — with transparent KYC-tiered pay-as-you-go pricing and zero monthly subscription.

Start Accepting USDC Developer SDK & Docs

Direct to self-custody wallet

Zero rolling reserves or chargebacks

Pay-as-you-go

Treasury Console

Live Settlement

E-Commerce Checkout

Base 8453 · Direct Vault

Direct Vault

AI Agent Machine Paywall

x402 Protocol · Session Key

Micro-Settled

B2B Smart Invoice

Solana SPL · Recurring

Instant Settlement

Vault: 0x71C...48B2 Verify Explorer ↗

Hosted Checkout & Pay Links

Zero-redirect USDC payment links and POS checkout for global merchants.

Direct wallet settlement (Zero Escrow)
Dynamic payment links & QR terminals
Zero monthly fees · Pay-as-you-go

Explore Merchant Suite

Autonomous AI Agent OS & x402

Machine micropayments and session keys for autonomous LLM agents.

RFC 9110 HTTP 402 API paywalls
Automated daily spend limit guards
Native Model Context Protocol (MCP)

Developer Lab & MCP

100% Non-Custodial Security

Zero platform custody with direct routing into merchant-controlled vaults.

0.00% Custodial exposure (direct vault)
15-Point cryptographic intent validation
Verifiable receipts on scan.ownpay.tech

Read Security Architecture

One console, total control.
Manage your rails and approvals from a single screen.

Connect, configure, and monitor your global payment operations across multiple networks with instant toggle controls.

SCALE WITHOUT FRICTION

Batch settlement with policy approval

Release automated payouts and supplier transfers governed by spend limits and multisig approval controls.

Global Supplier Payouts Multi-Sig Verified

Autonomous Agent Budget Policy Enforced

TOTAL CONTROL

Turn on any connection in one click

Activate settlement rails, developer APIs, and machine paywalls whenever your business needs them.

Base Mainnet 8453 USDC

Sub-2s finality · Sub-cent gas

Autonomous Agent x402 Micropayments

Machine paywalls for API compute

Solana SPL USDC Rails

400ms high-throughput finality

Hosted Invoices & POS Checkout

Zero setup · Shareable payment links

REST API & Webhooks

HMAC signed transaction events

Active connections · applies instantly with 0 downtime

Settle between rails in seconds

Accept customer payments with transparent pricing and zero surprises. Settle on Base L2 or Solana with verified cryptographic receipts.

Transparent pay-as-you-go rate Transparent pay-as-you-go pricing. Zero monthly SaaS fees, zero hidden deductions.

Instant finality, no banking windows 24/7/365 real-time settlement directly into your hardware or multi-sig vault.

Zero chargeback fraud exposure Eliminates friendly fraud and forced payment disputes forever.

RECEIVE DIRECT TO VAULT

Instant Direct Settlement

USDC

Non-Custodial Multi-Rail Settlement Zero Escrow

SETTLEMENT NETWORK

RECOMMENDED

Base Mainnet (8453)

Native Circle USDC · Base L2

HIGH SPEED

Solana SPL

Native Circle USDC · Solana Rails

Start Accepting Payments →

Non-Custodial Infrastructure

One platform to power your commerce with non-custodial security

Unified payment rails for global merchants and autonomous AI agents. Direct wallet settlement, session keys, and zero monthly subscriptions.

Zero Platform Custody — USDC routes directly to merchant-controlled vaults

Multi-Rail Rails — Native Circle USDC on Base L2 & Solana SPL

Transparent Pricing — Pure pay-as-you-go with zero monthly SaaS lock-in

Start with Merchant App Explore Developer Docs

Cryptographic Verification

15-Point Intent Engine

Chain ID Verification Pass (Base 8453)

Replay Attack Guard Enforced (Nonce Verified)

Custodial Exposure 0.00% (Direct Vault)

All receipts verifiable on-chain via scan.ownpay.tech ↗