Developers
A REST API with OpenAPI 3.1, idempotency keys and webhooks. Typed SDKs in JavaScript, Python, PHP, Ruby, Go and C#. Sandbox keys ship in 30 seconds.
<150ms
P50 API latency
99.95%
Uptime SLA
6
Official SDKs
8
Webhook events
Get a key
Sign up, head to Developers in the dashboard. Sandbox keys are live immediately.
Create accountRead the docs
Quickstarts in 6 languages, API reference, recipes for the most-asked integrations.
Open docsTry the sandbox
Simulate cards, USDC, refunds and disputes — no real money, no rate limits.
Get sandbox keysQuickstart
One POST, any payment method. Pass an Idempotency-Key on every retry and you'll never double-charge.
curl https://api.baynoy.com/v1/payments \
-H "Authorization: Bearer sk_test_••••" \
-H "Idempotency-Key: $(uuidgen)" \
-H "Content-Type: application/json" \
-d '{
"amount": 4900,
"currency": "USD",
"methods": ["card","usdc"],
"payout": { "type": "bank", "currency": "USD" }
}'Verify a webhook
Every event is signed with HMAC SHA-256 and retried up to 7 days with exponential backoff. Replay any past delivery from the dashboard.
import crypto from "node:crypto";
export async function POST(req: Request) {
const header = req.headers.get("Baynoy-Signature")!; // t=...,v1=...
const body = await req.text();
const { t, v1 } = Object.fromEntries(
header.split(",").map((p) => p.split("=")),
);
const expected = crypto
.createHmac("sha256", process.env.BAYNOY_WHSEC!)
.update(`${t}.${body}`)
.digest("hex");
if (v1 !== expected) return new Response("bad signature", { status: 401 });
const evt = JSON.parse(body); // evt.type === "payment.succeeded"
return new Response("ok");
}REST API
Baynoy is a plain REST API with Bearer auth — no SDK to install. The same request works from any HTTP client.
cURL
curl https://baynoy.com/api/v1/payments \
-H "Authorization: Bearer sk_live_..."JavaScript / TypeScript
await fetch("https://baynoy.com/api/v1/payments", {
headers: { Authorization: "Bearer sk_live_..." },
});Python
requests.get(
"https://baynoy.com/api/v1/payments",
headers={"Authorization": "Bearer sk_live_..."},
)Webhook events
payment.succeeded
A payment settled into your balance.
payment.failed
A payment was declined or expired.
payment.refunded
A refund completed, in full or in part.
payout.paid
A payout reached the destination account or wallet.
payout.failed
A payout was rejected and reversed.
dispute.opened
A cardholder opened a dispute or chargeback.
customer.created
A new customer was added via API or checkout.
invoice.paid
A recurring or one-off invoice was paid.
Reliability
Multi-region deployment behind Cloudflare, automated failover, and 24/7 paging for our SRE on-call. The status page publishes every incident and post-mortem within 48 hours.
Changelog
Latest releasesMulti-chain USDC + locked-rate FX
USDC payouts on Solana, Base, Ethereum and Polygon with automatic lowest-fee routing.
Hosted Checkout v2
Sandbox bridge, 12-language auto-detection, custom logo + accent color.
REST API v1, webhooks, SDKs
Initial REST API, 8 webhook events, and 5 official SDKs released.
Idempotency-Key required on POST
Doubled-charge protection on retried POST requests.
Sandbox keys, a CLI, and a typed SDK. Production unlocks after Tier 1 verification.