✦ Crypto payment gateway

Accept crypto payments in Echo at 0.1%

Integrate the Zeno API into your Echo application and ship a working crypto checkout in around 20 lines of code, at a flat 0.1% per transaction with instant on-chain settlement.

Accept Payments Online in 3 Easy Steps

1. Create Your Zenobank Account

Create your free account at dashboard.zenobank.io

2. Install a plugin, or integrate directly with our API

Connect through a plugin for WooCommerce, Shopify, and other platforms, or integrate directly using our SDKs and API.

WooCommerce ↗

3. Get Your API Key

In the dashboard, go to Developer and copy your API key. Paste it into the plugin setting or use it via the API.

Why Echo developers choose Zeno

Get Started

Maximize Your Bottom Line Our 0.1% fee per transaction puts around 3% back on your net margin compared with card-processor APIs charging between 1.5% and 3%.
Seamless Developer Experience The Zeno API works naturally with Echo's which keeps the integration footprint small and idiomatic to the framework.
Universal Multi-Chain Coverage One API covers every major stablecoin and chain, including USDT on Tron, USDC on Base, PYUSD on Solana, and BTC on Bitcoin and Lightning Network.

Common Echo integration patterns

Server-side checkout creation

Create checkouts from the backend so the API key stays on the server. Return the payment URL to the frontend client for redirect.

Webhook signature verification

Use HMAC-SHA256 to verify incoming webhooks against your webhook secret. The verification typically runs to 5-10 lines in Echo and protects against forged events.

Idempotent order updates

Webhooks may arrive multiple times for the same event (Zeno retries on non-2xx responses). Make your order-update logic idempotent so duplicate webhooks don't double-process payments.

Local testing

Use a tunnelling tool (ngrok, localtunnel) during development so test webhooks reach your local Echo dev server.

FAQs

Everything you need to know before getting started

How long does a Echo integration take?

Most teams ship a working crypto checkout in an afternoon.

Where should I store the API key?

In environment variables, accessed through Echo's standard configuration mechanism. The sk_ API key should never appear in client-side code. All API calls should originate from your server.

Can I use Zeno with Echo's existing payment libraries?

Zeno sits as its own payment option alongside whatever else your application uses. It doesn't conflict with card processors or other payment libraries, which means you can offer Zeno as a "Pay with crypto" option next to your existing card flow.

How does Zeno handle Echo-specific concerns like CSRF?

Webhook endpoints are typically excluded from CSRF protection in Echo (since the request originates from Zeno's servers, not a user session). The HMAC signature verification provides equivalent protection by confirming the request authenticity. Other Zeno endpoints called from your application are server-to-server and don't involve CSRF.

Can I cash out to a fiat bank account?

Yes. Payments received through your Echo application land in your Zeno wallet. From there you can hold stablecoins as USD-equivalent balances, transfer to a fiat bank account, or send to any external wallet.

What happens if my Echo webhook handler is down?

Zeno retries webhook delivery with exponential backoff if your endpoint returns a non-2xx response or times out. You can also query the checkout status directly through the GET endpoint, which gives your Echo application a fallback mechanism for reconciliation.

Ship your first crypto checkout in Echo

Integrate the Zeno API into your Echo application and accept crypto payments at a flat 0.1% per transaction with instant on-chain settlement.

Team

Hugo Pino — founder of the Zeno Bank

The only time I leave my house is to go to the gym

Built a decentralized exchange that reached $27M in deposits.

I got a UAE Golden Visa for my work in Web3