Accepting payments

Every way of getting paid on Soca ends at the same hosted checkout: you share a link (or show it as a QR code), the customer pays in USDC, and the money settles directly to your wallet in the same transaction. You never build payment UI, and your customer never needs a card, a bank account, or any crypto experience.

How do I take a payment?

Create something payable and share its link. Every plan and invoice you create comes with a hosted checkout URL. Copy it from the dashboard and put it anywhere a link can go: a website button, an email, a DM, or a bio. Any link can also be shown as a QR code, which is how the in-person flow works on your phone.

What does my customer see at checkout?

A clean hosted page with your business name, the item, and the price. To pay, the customer either:

• Signs in with email or Google. A secure embedded wallet is created for them on the spot, with no extension, seed phrase, or installation. This is how customers with zero crypto experience pay.
• Connects their own Solana wallet (Phantom, Solflare, Backpack) if they already have one.

Then they approve the payment with one tap. For a customer paying with their Soca account, the checkout applies their 1% discount: a $100.00 listed price costs them $99.00, itemized right on the receipt. It is a lower price, not cashback or points. Customers never pay network fees. Soca sponsors gas on every transaction.

The discount is a Soca account benefit: it applies when you are signed in to a Soca account and paying from a wallet registered to it. Paying from a connected wallet without a Soca account works exactly the same way, at the full listed price. The business pays the same 1.5% either way, so a customer without an account costs the business nothing extra.

Can my customers pay by card?

Your customers do not need any crypto to pay today. Signing in with email or Google creates an embedded wallet for them on the spot, so "no card" never means "hard to pay". Card and bank are about giving them a second familiar option, not a requirement.

When is a payment considered paid?

When the network says so, and not before. Soca records a payment as confirmed only after the transaction is confirmed on Solana, never on a timer, a redirect, or an assumption. A payment you see in the dashboard is money that has already arrived in your wallet; there is no "pending settlement" state where the record and the money disagree.

That is also why there is nothing to wait for afterwards. Funds settle wallet-to-wallet inside the payment transaction itself: there is no pooled balance, no payout schedule, and no withdrawal step.

How are fees shown on each payment?

Every payment row in Dashboard → Payments shows three amounts: gross (what the customer paid), fee (Soca's cut), and net (what settled to your wallet). Your net is always the list price minus the 1.5% fee — $98.50 on a $100 sale — whether the customer paid full price or used their 1% Soca discount. When they use the discount the gross is lower (they paid $99) and Soca simply takes a smaller cut, because Soca funds that discount from its own fee, never from your net. The fee is split out inside the settlement transaction itself, so net is what actually arrived; nothing is deducted later.

If you use named wallets, a wallet filter on the Payments page scopes every number and row to the wallets you pick.

How do I export or reconcile my payments?

• CSV export. The Export CSV button on the Payments page downloads every payment with gross, fee, and net columns: ready for a spreadsheet or your accountant. Plans and invoices have their own exports.
• Receipts. Every confirmed payment has a receipt: the customer gets one at checkout, and you can open the payment record any time for the full detail, including the on-chain transaction.
• On-chain audit trail. Because each payment is a public Solana transaction, any record in your dashboard can be independently verified on the network.

What about refunds and disputes?

Payments are push-based wallet transfers, so card-style chargebacks (and their fees) do not exist. If you need to return money, you issue a refund: a new transfer you sign, in full or in part, with its own record and receipt. Confirmed payments show a Refund action right in the payments table.

Can I pay out, and can it be private?

Yes to both. Beyond accepting payments, Soca Payouts pays many recipients in one batch (payroll, contractors, revenue splits, affiliate payouts, airdrops, or bulk refunds), and each recipient can be routed privately, so the payment isn’t linkable to your wallet on the public chain. See Private payments for exactly how private routing works, what it hides, and what it does not.