Cards, wallets and stablecoins in one checkout — settled to your bank or your wallet. Sandbox on signup; first test payment in under ten minutes.
Browse the docs
Checkout · Payment links · Direct API · Refunds · Disputes · Ledger · Payouts
Risk ops, underwriting and Stripe-grade developer experience for the merchants mainstream PSPs won’t serve.
Every payment, hold and payout — one dashboard.
APXRAILS is the payments platform for the fiat⇄crypto crossover — one checkout that anticipates every way your buyers want to pay.
Cards, wallets, stablecoins — every movement lands on one ledger, settled to your bank or your wallet.
This checkoutis real.
A live test-mode session against our API is waiting right below — finish it with a test card, no signup.
Try the live demoLive demo
A live test-mode session against our API — complete it with a test card, no signup needed. Card fields are provider-hosted; this page can never read them.
A real checkout session against our test API — every visit mints a fresh one.
Provider-hosted card fields
Card data never touches your servers or ours — you stay SAQ A eligible, we stay out of PAN scope. Full-redirect and embedded modes both keep the fields inside the licensed provider’s iframe.
Payment links in 60 seconds
No-code links with QR codes and embeddable buttons. Every visit mints a fresh session, so stale carts expire themselves.
Test and live never cross
Sandbox is instant on signup and structurally separated from live data. KYB gates live mode only — not your integration work.
The platform
Accept every way your buyers pay, settle to your bank or your wallet, and run the money ops on one ledger — each pillar has its own page, and they share one integration.
Accept
Hosted checkout, embedded overlay, payment links and a direct server-to-server API — card fields hosted by the licensed provider.
Accept with APXRAILS →Settle
Fiat to your bank or stablecoin to your wallet, chosen per payout destination. Every balance labeled with its custodian.
Settle with APXRAILS →Operate
Refunds, disputes, reconciliation and webhooks on an append-only double-entry ledger — test and live structurally separate.
Operate with APXRAILS →Who it’s for
APXRAILS is not a cheaper Stripe. It’s risk ops, underwriting and Stripe-grade developer experience for the crypto-adjacent businesses mainstream PSPs won’t serve — and for anyone who wants crossover settlement.
01 · Acceptance
02 · Ramps
03 · Checkout
Running several brands or entities? Built for platforms — one login, many merchants →
Ten minutes to first payment
Amounts are integer base-unit strings — never floats. Idempotency keys on every create. Signed webhooks with rotation grace. Errors that link to their own request log.
import { ApxRails } from '@apxrails/sdk-node';
const apx = new ApxRails({ apiKey: process.env.APX_SECRET_KEY });
const session = await apx.checkoutSessions.create(
{ amount: '4900', currency: 'EUR', country: 'NO',
success_url: 'https://store.example/thanks' },
{ idempotencyKey: 'order-1042' },
);
// → { id: 'cs_…', url: 'https://pay.apxrails.com/c/cs_…' }Webhooks you can trust
Stripe-shaped events, apx-signature signing, per-endpoint delivery logs with one-click retry, secret rotation with a 30-day dual-signature grace window.
Idempotent by default
Every money-moving call takes an idempotency key — a retried request can never double-charge, and replays return the stored response.
Errors that debug themselves
Typed error envelopes with a request id, a doc link and a link to the request’s own log entry in the dashboard.
Settlement
Fiat to your bank account, or stablecoin to your wallet — you choose per payout destination, not per architecture rewrite.
Payout · SEPA
Available€12,480.00
T+1 default where the partner rail supports it, no minimums; instant payouts later as a paid feature.
Radical transparency
Reserves and holds are published policy, not surprises buried in a dashboard. We show you what we control and what a partner controls — and we never promise outcomes partners own.
Policy
Custody
Scope
Every rail, one ledger
Underwritten one business at a time. Four lines get you a real answer — what you sell, your volume, how you want to be paid, where you are today.