API Documentation.

Step 1 — Generate a tracking address

GEThttps://api.risksless.com/control/wallet.php
  ?address=0xYourPolygonWalletAddress
  &callback=https%3A%2F%2Fyoursite.com%2Fwebhook%3Forder%3D42

Response

{
  "address_in": "0x8f2a91c84e3d…",  # the tracking address — use this in step 2
  "address_out": "0xYourPolygonWalletAddress",
  "callback_url": "https://yoursite.com/webhook?order=42"
}

Step 2 — Redirect the customer to checkout

For the recommended hosted flow (provider=hosted) use /pay.php. For every other provider use /process-payment.php.

GEThttps://checkout.risksless.com/pay.php
  ?address=0x8f2a91c84e3d…           # address_in from step 1
  &amount=99.00
  &currency=USD
  &provider=hosted
  &email=customer@example.com  # optional

JavaScript example

// 1. Generate the tracking address
const callback = encodeURIComponent('https://yoursite.com/webhook?order=42');
const res = await fetch(
  `https://api.risksless.com/control/wallet.php?address=0xYourWallet&callback=${callback}`
);
const { address_in } = await res.json();

// 2. Redirect the customer — embed address_in RAW (it's already URL-safe).
//    Using URLSearchParams would double-encode it and break /process-payment.php.
const email = encodeURIComponent('customer@example.com');
window.location.href =
  `https://checkout.risksless.com/pay.php?address=${address_in}` +
  `&amount=99.00&currency=USD&provider=hosted&email=${email}`;

Mint a receiving address

GEThttps://api.risksless.com/crypto/polygon/usdc/wallet.php
  ?address=0xYourDestinationWallet
  &callback=https%3A%2F%2Fyoursite.com%2Fwebhook%3Forder%3D42

Response

{
  "address_in": "0x8f2a91c84e3d…",   # the receiving address — give this to the customer
  "address_out": "0xYourDestinationWallet",
  "callback_url": "https://yoursite.com/webhook?order=42"
}

Convert fiat to crypto amount

GEThttps://api.risksless.com/crypto/polygon/usdc/convert.php
  ?from=USD
  &value=99.00
# Response
{ "value_coin": "99.00", "coin": "usdc" }

Render a QR code for the receiving address

GEThttps://api.risksless.com/crypto/polygon/usdc/qrcode.php?address=0x8f2a91c84e3d…
# Response — qr_code is a base64 PNG you can inline
{ "status": "success", "qr_code": "iVBORw0KGgoAAAANS…" }

Get ticker info & minimums

GEThttps://api.risksless.com/crypto/polygon/usdc/info.php
# Response includes coin metadata and the minimum amount accepted
{ "minimum": "1.00", "name": "USD Coin (Polygon)", ... }

Supported tickers

Tickers are path segments. Common examples: btc, ltc, doge, eth, trx, polygon/usdc, polygon/usdt, polygon/pol, erc20/usdc, erc20/usdt, erc20/dai, bep20/usdc, bep20/usdt, bep20/bnb, trc20/usdt, sol/usdc, sol/sol, base/usdc, arbitrum/usdc, optimism/usdc, avax-c/usdc, linea/usdc. See the crypto wallet generator for the full list.

GEThttps://api.risksless.com/control/provider-status/
# Response
{
  "providers": [
    { "id": "hosted",  "provider_name": "Hosted Checkout", "status": "active", "minimum_amount": 1  },
    { "id": "stripe",  "provider_name": "Stripe",          "status": "active", "minimum_amount": 1  },
    { "id": "wert",    "provider_name": "Wert",            "status": "active", "minimum_amount": 30 }
  ]
}

# When a payment clears, we hit your callback URL as a GET with these params:
GET https://yoursite.com/webhook?order=42
  &address_in=0x8f2a91c84e3d…
  &address_out=0xYourWallet
  &value_coin=99.00
  &coin=usdc
  &txid_in=0x9af2c1…   # customer → address_in
  &txid_out=0xbc77d2…  # address_in → your wallet
  &confirmations=3

Return a 2xx within 10 seconds or the callback will be retried. Include your own order/reference ID in the callback URL query string when you call wallet.php — it's preserved through to the callback so you can correlate on your side.

Download risksless-php-sdk.zip, drop Risksless.php into your project, and require_once it. Requires PHP 7.2+ and the curl extension.

Server-side: create a payment

// Persist $payment['address_in'] alongside your order, then redirect.
require_once __DIR__ . '/Risksless.php';

$r = new Risksless('0xYourPolygonWallet');
$payment = $r->createPayment([
    'order_id'     => 'INV-1042',
    'amount'       => 99.00,
    'currency'     => 'USD',
    'email'        => 'customer@example.com',
    'callback_url' => 'https://yoursite.com/risksless-cb.php',
    // 'provider' => 'stripe',  // optional; default is the hosted picker
]);

header('Location: ' . $payment['redirect_url']);
exit;

Callback endpoint: verify settlement

// risksless-cb.php — the URL you passed as callback_url above.
require_once __DIR__ . '/Risksless.php';

$r = new Risksless('0xYourPolygonWallet');
$result = $r->verifyCallback($_GET, [
    'expected_amount'   => 99.00,
    'expected_currency' => 'USD',
]);

if ($result['ok']) {
    // Mark the order paid; $result['txid_out'] is the on-chain payout tx.
    echo 'OK';
} else {
    http_response_code(400);
    echo $result['reason'];  // 'underpaid', 'missing_value_coin'…
}

Default settlement threshold is 60% — pass a second argument to the constructor (new Risksless($wallet, 0.95)) to require ≥ 95% of expected before accepting. Supported provider values: hosted (default), revolut, stripe, paypal, rampnetwork, transak, moonpay, banxa, utorg, transfi, sardine, topper, bitnovo, robinhood, upi, interac, simplex, binance, customprovider.

Need more detail?

The full Postman collection includes every endpoint, parameter edge case, and response schema.