# MutoPay > Crypto payment gateway. Merchants accept any token and receive their preferred stablecoin. REST API, HMAC-signed webhooks, six-chain support (Ethereum, Base, BSC, Polygon, Arbitrum, TON). ## Docs - [Getting Started](https://mutopay.com/docs/getting-started.md): Accept your first crypto payment in five minutes. Create a payment link, redirect your customer, and receive settlement in your preferred stablecoin. - [Authentication](https://mutopay.com/docs/authentication.md): MutoPay has three authentication methods: channel API keys for creating payments, master API keys for account management, and JWTs for the browser dashboard. This page explains when to use which. - [Create a Payment](https://mutopay.com/docs/create-payment.md): Full reference for POST /api/payments. Every field, every response, and copy-paste examples in cURL, Node.js, and Python. - [Managing Channels](https://mutopay.com/docs/managing-channels.md): Channels are the unit of separation in MutoPay. One per integration, each with its own API key, webhook, and (optionally) its own settlement wallet. This guide walks through every channel setting in the dashboard. - [Webhooks](https://mutopay.com/docs/webhooks.md): MutoPay sends an HMAC-SHA256 signed webhook when a payment completes, fails, expires, or needs attention. This page documents every event, the payload shape, and the delivery/retry guarantees. - [Verify a Webhook Signature](https://mutopay.com/docs/verify-webhook-signature.md): MutoPay signs every webhook with HMAC-SHA256. This page shows how to verify the X-MutoPay-Signature header in Node.js, Python, and PHP. Copy-paste, no dependencies. - [Master Keys vs Channel Keys](https://mutopay.com/docs/master-keys-vs-channel-keys.md): MutoPay has two kinds of API keys: channel keys for creating payments, master keys for account-wide management. Use the weaker one per integration; reserve the master key for automation that genuinely needs account-wide access. - [Payment Statuses](https://mutopay.com/docs/payment-statuses.md): Every MutoPay payment has one of ten statuses. This page lists them, explains when each fires, and shows the legal state transitions you should expect to see. - [Errors & Troubleshooting](https://mutopay.com/docs/errors.md): MutoPay uses standard HTTP status codes with structured JSON error bodies. This page lists every error, what it means, and how to fix it. - [API Reference](https://mutopay.com/docs/api-reference.md): The full MutoPay API reference. Interactive Scalar viewer plus the raw OpenAPI 3.1 spec for generating clients or piping into tooling. ## API Reference - [API reference as Markdown](https://mutopay.com/api/docs.md): every endpoint, request/response shape, auth notes - [OpenAPI JSON spec](https://mutopay.com/api/openapi.json): machine-readable spec - [Interactive API reference (Scalar)](https://mutopay.com/api/docs): human-readable, try it in the browser ## Blog - [YC Just Funded 50 Stablecoin Startups. The Merchant Gap Is Still Sitting There.](https://mutopay.com/blog/yc-stablecoin-merchant-gap.md): Y Combinator's recent batches are full of stablecoin companies. Read the list closely and one thing is missing: the checkout a merchant can actually install. - [MutoPay Now Speaks Six Languages](https://mutopay.com/blog/multilingual-checkout.md): The payment page and merchant dashboard are now available in English, Arabic, Spanish, Turkish, Armenian, and Russian, with auto-detect and a switcher in the footer. - [Pay Without Connecting Your Wallet](https://mutopay.com/blog/manual-send-payments.md): Customers can now copy a payment address and send from any wallet, hardware wallets, exchanges, or any app. No browser extension or WalletConnect required. - [Headless Payments: One-Call Deposit-Based Checkout](https://mutopay.com/blog/headless-payment-api.md): A new API endpoint for programmers who already know the customer's token and chain, create a payment and get a ready-to-use deposit address in one round trip, no hosted UI required. - [Crypto Payments for Marketplaces: One Account, Every Vendor's Wallet](https://mutopay.com/blog/marketplace-crypto-payments.md): Use MutoPay channels and the master API key to route crypto payments to each vendor's wallet, no per-vendor accounts, no custody, fully automated via API. - [Full Control Over Your Payment Channels](https://mutopay.com/blog/channel-management.md): Create and manage multiple payment channels from your dashboard, each with its own API key, webhook, and settlement wallet. - [Pay Me Links: Accept Open-Ended Crypto Payments](https://mutopay.com/blog/pay-me-links.md): Create a personal crypto payment page where customers pay any amount they choose. Perfect for tips, freelance invoices, and donations. No fixed invoice needed. - [Accept Solana Payments: Sub-Second USDC Checkout for Retail & Creators](https://mutopay.com/blog/accept-solana-payments.md): Accept Solana payments with MutoPay. Native USDC settlement, sub-cent fees, sub-second finality, and Phantom + Backpack wallet support out of the box. - [Accept TON Payments: TonConnect Checkout for Telegram Builders](https://mutopay.com/blog/accept-ton-payments.md): Accept TON and USDT-on-TON with one-tap TonConnect checkout. Built for Telegram bots, mini-apps, and the 900M+ wallets already inside Telegram. - [Accept USDT-TRC20 Payments: The Remittance Rail for Global Merchants](https://mutopay.com/blog/accept-tron-usdt-payments.md): Accept USDT on Tron with MutoPay. Sub-cent fees, instant finality, and direct settlement to your Tron wallet, no node, no custody, no bridge friction. - [Multi-Currency Support: Accept Payments in 50+ Fiat Currencies](https://mutopay.com/blog/multi-currency-support.md): MutoPay now supports 50+ fiat currencies. Price in EUR, GBP, SAR, JPY, or any major currency. We handle conversion to USD automatically using real-time central-bank rates. - [Accept Crypto Payments in WooCommerce with MutoPay](https://mutopay.com/blog/woocommerce-integration.md): Connect your WooCommerce store to MutoPay in one click. Accept 1,000+ tokens, receive stablecoins, and keep orders in sync automatically. - [Introducing MutoPay: Accept Any Crypto, Receive Stablecoins](https://mutopay.com/blog/introducing-mutopay.md): MutoPay is a crypto payment gateway that lets merchants accept any token while always receiving stablecoins. No volatility, no complexity. - [How to Accept Crypto Payments on Your Website](https://mutopay.com/blog/how-to-accept-crypto-payments.md): A practical guide to adding crypto payments to your website or app. From choosing a gateway to writing your first API call. - [Crypto Payment Gateways: What to Look For in 2026](https://mutopay.com/blog/crypto-payment-gateways-compared.md): Not all crypto payment gateways work the same way. Here's what actually matters when choosing one for your business. - [Why Stablecoins Are the Best Settlement Currency for Merchants](https://mutopay.com/blog/why-stablecoins-for-payments.md): Accepting crypto doesn't mean accepting volatility. Here's why stablecoin settlement is the practical choice for merchants. ## Full text - [llms-full.txt](https://mutopay.com/llms-full.txt): every doc page concatenated