Quickstart

Prerequisites

An Ebioro merchant account with API keys
Your api_public_key and api_secret_key from the dashboard

1. Authenticate

All API requests use Digest Authentication with three headers:

Header	Description
`X-Digest-Key`	Your public API key
`X-Digest-Timestamp`	Current Unix timestamp
`X-Digest-Signature`	HMAC-SHA256 signature

The signature is computed as:

signature = HMAC-SHA256(api_secret_key, path + timestamp + method + body)

The timestamp must be within 5 minutes of the server time, or the request will be rejected.

2. Create a payment

curl -X POST https://test-merchant.ebioro.com/payments \
  -H "Content-Type: application/json" \
  -H "X-Digest-Key: pk_test_YOUR_PUBLIC_KEY" \
  -H "X-Digest-Timestamp: 1714067192" \
  -H "X-Digest-Signature: YOUR_COMPUTED_SIGNATURE" \
  -d '{
    "amount": {
      "value": 1000,
      "currency": "USD"
    },
    "description": "Order #1234",
    "redirectUrl": "https://yoursite.com/success",
    "webhookUrl": "https://yoursite.com/webhook"
  }'

The response includes:

checkout_id — unique payment identifier
hostedUrl — redirect the customer here for the payment widget
qrCode — SEP-7 URI for wallet-based payments
settlement_amount — amount in USDC smallest unit (cents)

3. Customer pays

Either redirect the customer to hostedUrl, or use the API directly:

Stellar direct: Customer sends USDC to the payment address with the checkout memo
Cross-chain: Use the cross-chain endpoints to get a deposit address on the customer’s preferred chain

4. Receive the webhook

When the payment settles, you’ll receive a POST to your webhookUrl:

{
  "data": {
    "type": "transaction_updated",
    "id": "pt_ABC123",
    "status": "paid",
    "settlement_status": "paid",
    "settlement_amount": 1000,
    "settlement_currency": "USDC",
    "amount_paid": 1000
  }
}

Verify the webhook signature using the X-WEBHOOK-AUTH header:

expected = HMAC-SHA256(api_secret_key, JSON.stringify(body))

Getting Started

Core Concepts

Guides

Prerequisites

1. Authenticate

2. Create a payment

3. Customer pays

4. Receive the webhook

Next steps

Authentication

Cross-Chain Payments

​Prerequisites

​1. Authenticate

​2. Create a payment

​3. Customer pays

​4. Receive the webhook

​Next steps

Authentication

Cross-Chain Payments

Prerequisites

1. Authenticate

2. Create a payment

3. Customer pays

4. Receive the webhook

Next steps