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Full Control Over Your Payment Channels

· 2 min read
dashboard channels settlement feature

One MutoPay account can now power multiple independent payment streams — for different platforms, clients, or business lines — each routing to its own wallet, on its own chain, with its own API key. All managed from a single dashboard.

What’s a channel?

A channel is a separate payment identity under your account. Each one gets its own API key and webhook URL. Think of it as a lane: payments that come in through a channel’s key go through that lane, settle where you tell them, and show up in your dashboard labeled by channel.

You might use channels to:

  • Separate your WooCommerce store from your custom app
  • Give each client their own isolated payment flow
  • Run different brands or storefronts under one account
  • Route a specific integration to a different wallet or chain than your default

Creating a channel

Open Settings → Channels and click + New channel. Give it a name, optionally add a webhook URL, and configure settlement if this channel should pay out somewhere different from your account default. Hit Create and your API key appears — copy it, it’s shown once.

Everything else can be edited later from the same card: name, webhook URL, settlement destination. The key can be rotated, but not retrieved.

Settlement per channel

Your account has a default settlement destination — chain, token, and wallet — that applies everywhere unless overridden. Each channel can set its own bundle. When it does, payments through that channel go to that wallet regardless of your account default.

Some examples of what this unlocks:

  • Your main store settles in USDC on Polygon. A client integration routes to their own wallet on Arbitrum. Your freelance invoices go to a cold wallet on a different chain entirely.
  • An agency running payments for multiple clients: one account, each client’s channel settled to their own address.
  • A marketplace where different sellers have different settlement preferences.

When you remove a channel’s settlement override, it falls back to your account default automatically.

Where to start

If you’re already using MutoPay, your existing channel is in Settings → Channels. Add new ones from there. The API docs cover the full channel API for integrations.

Channels are available to all merchants today.