EVERYTHING YOU NEED TO INTEGRATE BAYNOY

Quickstart

From signup to first $1 charge in 7 steps.

Account verification (KYC)

Tier 1, 2 and 3 — what each unlocks.

Sandbox

Test cards, simulated USDC, fake refunds.

Going live

Pre-flight checklist before flipping to production.

Create a checkout session

POST /v1/checkout — return URL flow.

Branding

Logo, accent color, fonts, dark mode.

Localization

12 languages, RTL, custom strings.

Success & failure URLs

Redirect handling, idempotent finalize.

Quickstart

Drop the script, paste a snippet, done.

Visual builder

Build without code, copy the embed.

Types & options

pay, tip, donate, subscribe — flags & defaults.

Analytics

Conversion, A/B testing, refund rate.

Destinations

IBAN, ACH, SEPA, USDC — per recipient.

Mass payouts

CSV upload, batch API, approval thresholds.

Tax forms

1099-NEC, VAT invoices, audit log.

Approval flows

Per-amount review, allow-listed wallets, 2FA.

Authentication

Bearer keys, sandbox vs live, key rotation.

Payments

Create, retrieve, capture, refund, void.

Customers

Vault, KYC fields, default payment method.

Errors

Status codes, error types, retry semantics.

Event types

All 8 event types and their payloads.

Signature verification

HMAC SHA-256 in JS, Python, PHP, Ruby, Go.

Retries & replays

Backoff schedule, dashboard replays, dead-letter.

Endpoints best practice

Idempotency, response time, ordering.

JavaScript / TypeScript

npm i @baynoy/sdk — Node 18+.

Python

pip install baynoy — 3.9+.

PHP

composer require baynoy/baynoy — PHP 8.1+.

Ruby & Go

gem install baynoy · go get github.com/baynoy/baynoy-go.

PCI scope

What card data you handle vs what we handle.

GDPR & CCPA

Data residency, DSAR flow, retention.

OFAC & sanctions

Per-transaction screening, evidence trail.

Travel Rule

How we route VASP messages for USDC payouts.