Reference Guide

API Endpoints

Test	https://api.test.devs.beadpay.io
Production	https://api.devs.beadpay.io

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Contacts

Developer support	[e-mail]
General inquiries	[e-mail]

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Settlement Currencies (Fiat)

Currency	Symbol	Status
United States Dollar	USD	Live

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Tender Types (Crypto)

Name	Symbol (Network)	Status
Bitcoin Lightning ⚡	BTC (Bitcoin)	Live
Bitcoin	BTC (Bitcoin)	Live
USD Coin - Ethereum	USDC (ERC-20)	Live
USD Coin - Polygon	USDC (Polygon)	Live

⚡Bitcoin (BTC) on the Lightning Network provides near-instant payments at very low costs to customers, making it ideal for in-store transactions. Lightning Network also has fewer payment exceptions for a more reliably smooth payment experience for both merchants and customers.

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Payment Scenarios

Status	Description
Completed	The customer sent the requested amount and processing was successful. Crypto is converted to the merchant's settlement currency and credited to their account.
Underpaid	The customer sent less than the requested amount. Funds are not converted and must be reclaimed by the customer. (See note below)
Overpaid	The customer sent more than the requested amount. The requested amount is converted and the payment is considered Completed. The overpaid amount is not converted and must be reclaimed by the customer. (See note below)
Expired	The customer's funds were not received before the payment window expired (varies by tender type). Funds will not be converted and must be reclaimed by the customer. (See note below)
Invalid	An irregular event occurred during processing, such as: detecting multiple transactions detecting a transaction for an incorrect or unsupported asset the customer's wallet was flagged for compliance reasons extreme market activity that will prevent the merchant from receiving the full payment amount Funds received are not converted and must be reclaimed by the customer. (See note below)
Cancelled	The customer or merchant requested to cancel the payment. If a transaction is detected, crypto will not be converted and may be reclaimed by the customer. (See note below)

Reclaiming Unconverted Crypto

For payment scenarios resulting in unconverted crypto, the customer provides their email address via the Hosted Payment Page (if one was not provided in the payment request) and will receive instructions from Bead detailing how they can reclaim their funds.

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Compatible Crypto Wallets

Bead allows for crypto payments from any cryptocurrency wallet that can create a transaction in one or more of our supported crypto tender types. For point of sale transactions, the only requirement is that the customer's device can scan a QR code to get the payment deposit address.