x402
x402 Merchant Onboarding
This page covers the public merchant setup path for x402. It is not the full internal portal operations manual.
Overall Flow
Register the merchant
Start the merchant onboarding process and prepare the basic business and technical details required for approval.
Configure settlement
Decide which chain, token, address, and payment mode should receive funds.
Generate API credentials
Create the API key and secret that your backend will use for authenticated requests.
Integrate and test
Connect the SDK or backend flow, validate payment handling, and confirm the operational checklist before launch.
What You Need to Decide
| Area | Decision |
|---|---|
| Settlement chain | where merchant funds should arrive |
| Settlement token | which supported asset should settle |
| Receiving address | destination for funds |
| Payment mode | DIRECT or DELEGATE |
| Callback logic | required only for DELEGATE-style flows |
Credential Handling
Store API secrets on the server only. Use separate environments for testing and production.
- keep separate test and production credentials
- rotate secrets when needed
- audit who has access to merchant credentials
Go-Live Checklist
- settlement address is configured correctly
- selected payment mode matches the intended UX
- backend can create orders successfully
- signature and payment flow are validated end to end
- proof retrieval is tested where applicable
- fee and balance monitoring is in place