Accept Bitcoin, Ethereum, Solana, USDC and USDT at a flat 0.5%. Sign up with an email, add one API call to your checkout, and payments settle to the wallet you choose.
Card processors decide who is allowed to do business. A risk team that has never spoken to you reads your industry code, and your revenue stops. Sovrn is built on one idea: *getting paid should not need permission.* No application. No underwriting. No identity checks. Just a *direct line* between your customer's wallet and yours.
If you've been declined, frozen, or quietly "offboarded", Sovrn is built for you. Drag through six storefronts and watch the checkout do its job.
Merchants are responsible for complying with the laws that apply to what they sell and where they sell it.
Integration takes an afternoon on any stack. Create a payment, send the customer to checkout, and let a signed webhook tell your server when it's paid.
When a customer checks out, your server makes one POST /api/v1/payments with the amount, your currency and the chain. Sovrn quotes the live crypto amount, assigns a fresh address to this payment and returns a checkout link.
Redirect to the hosted checkout, or open it in a modal on your own site with the drop-in sovrn.js script. The customer scans a QR code or copies the address and pays from any wallet.
Sovrn scans the network every 15 seconds. When the payment is detected, your server receives a payment.completed event signed with HMAC-SHA256 in the X-Webhook-Signature header. Verify it, mark the order paid, ship.
No application form, no document upload, no waiting for a risk team. Four steps, all self-serve from the dashboard.
Email, password and business name. Your live API key is issued in the same response.
Add your Bitcoin and Solana payout addresses. For ETH, deploy your personal splitter contract on Optimism in one click — Sovrn pays the deployment gas.
Paste your webhook URL. Every event is signed with your account's secret so you can prove it came from Sovrn.
One POST /api/v1/payments from your checkout. The customer pays; the money settles to you.
No ambiguous "under review" state. A payment stays pending until it's paid, it expires, or you cancel it. The API always tells you which — and a paid payment fires a signed webhook.
Most processors keep this part vague. Here is precisely how a payment reaches you on each network — including where Sovrn briefly handles it, and where it never can.
ETH payments go through a contract you can read. Once it is deployed for you, nobody — Sovrn included — can change where the money goes or how much the fee is.
/// One immutable contract per merchant. Receives a payment and /// forwards 99.5% to the merchant and 0.5% to Sovrn — in the same tx. contract SovrnSplitter { address public merchant; address public sovrn; uint16 public feeBps; // 50 = 0.5% uint16 public constant MAX_FEE_BPS = 500; // hard cap: 5% function initialize(address _merchant, address _sovrn, uint16 _feeBps) external { if (merchant != address(0)) revert AlreadyInitialized(); if (_feeBps > MAX_FEE_BPS) revert FeeTooHigh(); merchant = _merchant; sovrn = _sovrn; feeBps = _feeBps; } receive() external payable { _splitNative(msg.sender, msg.value); } function _splitNative(address payer, uint256 amount) internal { uint256 feeAmount = (amount * feeBps) / 10_000; uint256 toMerchant = amount - feeAmount; (bool s1, ) = payable(sovrn).call{value: feeAmount}(""); if (!s1) revert TransferFailed(); (bool s2, ) = payable(merchant).call{value: toMerchant}(""); if (!s2) revert TransferFailed(); emit Split(payer, amount, feeAmount, toMerchant); } }
Deployed for you as an EIP-1167 minimal proxy by the Sovrn factory, at a deterministic CREATE2 address.
Your payout address and fee are set at deployment. A second initialize call reverts. No admin key, no upgrade path, no kill switch.
Your contract is set to 0.5%. The contract refuses any fee above 5%, so a tampered clone would be obvious on-chain.
The customer's ETH arrives and leaves in one atomic transaction. Every split emits a Split event you can audit.
Pick a network, a token and an amount. The code updates in four languages, and the quote uses live market prices.
Everything here maps 1:1 to POST /api/v1/payments.
/api/v1/paymentsCreate a payment/api/v1/payments/{id}Retrieve status/api/v1/payments?status=paid&limit=50List & filter/api/v1/payments/{id}/cancelCancel a pending payment/api/v1/checkout/{id}Public checkout dataVolume, payments, payout wallets, your splitter contract, webhooks and API keys — self-serve, no support ticket required.
bc1qm4…8r2k7xKXt…9fQpsk_live_••••••••••••••••RotateIllustrative dashboard · example data
Payments never collide. Each one is matched to its own address, so you always know exactly which order was paid.
Price in your currency. The crypto amount is fixed at a live rate while the customer pays.
Payments of at least 99% of the amount due are accepted automatically.
Send order_id, description, customer_email and a metadata object. Order ID and metadata come back in the webhook.
One script tag. A blurred-backdrop checkout modal that polls payment status every 4 seconds, fires onSuccess, and falls back to a full-page redirect on mobile.
Leaked a key? Rotate your sk_live_ key from the dashboard and the old one stops working immediately.
List payments by status with limit and offset paging — up to 200 per request — for your own books.
Order changed? POST /payments/{id}/cancel closes a pending payment so it can't be paid.
BTC on Bitcoin, ETH on Optimism, and SOL, USDC and USDT on Solana — the coins your customers actually hold, on networks with low fees.
Sovrn doesn't win every row — some processors support more coins, and self-hosting is free if you run your own server. Here's the whole picture.
| BitPay | Coinbase Commerce | NOWPayments | BTCPay Server | Sovrn | |
|---|---|---|---|---|---|
| Fee | 1% | 1% | 0.5% | 0% — you run it | 0.5% flat |
| KYC | Required | Required | Conditional | None | None |
| Custody | Custodial | Custodial | Custodial | Non-custodial | Non-custodial on ETH · auto-swept on BTC & Solana |
| Hosting | Hosted | Hosted | Hosted | Your own server | Hosted |
| Setup | 1–3 days | ~1 day | ~30 min | 2–4 hours | Minutes |
| Assets | ~12 | ~10 | 300+ | BTC, Lightning, plugins | 5 · BTC ETH SOL USDC USDT |
| Chargebacks | None | None | None | None | None |
Competitor details as summarised in our 2026 comparison. Terms change — check each provider before you decide.
Payments should be dull. Every component is proven, well-understood and replaceable.
No passports, no utility bills, no business registration. An email is enough.
You pay 0.5% when you get paid. When you don't, you pay nothing.
No rolling reserve, no 90-day hold. Payments go to your payout wallet.
One price, every feature, every merchant. No "enterprise" upsell.
Your industry doesn't change your rate. 0.5% is 0.5%.
I watched payment processing fail our clients first-hand.
Before Sovrn, I worked at Riyal Capital, where payment processing for our clients was a constant, extensive problem. The pattern repeated: a processor's risk team reviews a business they've never spoken to, doesn't understand the product, runs it through an industry-code lookup — and freezes or drops the account, often holding funds the business can't touch for months.
In 2025 I started building Sovrn, alongside my finance and economics degree at The University of Queensland. The fix had to be built into the product, not promised in a policy: a processor with no application to reject, no reserve to hold, and a fee that doesn't punish your industry.
No tiers, no minimums, no setup fee. You only pay when you get paid.
Compare fees on your own numbers. Drag the sliders.
Anything else? Email hello@sovrn.ventures — you'll hear back from the person who built it.
Correct. You sign up with an email, a password and a business name. No identity documents, no business verification and no application review. Your API key is issued the moment you register.
Bitcoin (BTC), Ether (ETH) on the Optimism network, Solana (SOL), and the USDC and USDT stablecoins on Solana. You price in your normal currency; Sovrn converts it to the crypto amount at a live rate, locked for 30 minutes.
It depends on the network, and we'd rather tell you exactly. ETH on Optimism: never — customers pay your own splitter contract, which has no admin key and pays you in the same transaction. Bitcoin and Solana: each payment goes to a one-time address that Sovrn manages, and is swept automatically to your payout wallet once it's detected. The Settlement section above shows each flow.
Sovrn scans each network every 15 seconds and marks a payment paid as soon as the funds are detected — for Bitcoin, that's when the transaction appears in the mempool, before it's confirmed in a block. Payments of at least 99% of the amount due are accepted. Unpaid invoices expire after 30 minutes.
On-chain payments are final, so there are no chargebacks. The trade-off is that refunds are manual: to refund a customer, you send the funds back to them from your own wallet.
Every payment.completed webhook carries an HMAC-SHA256 signature in the X-Webhook-Signature header, computed with your unique webhook secret over the key-sorted JSON body. Failed deliveries are retried automatically. Verification code is in How it works, above.
No — Sovrn is crypto-only. Many merchants run it alongside a card processor: Sovrn for customers who prefer crypto (or for when the card processor says no), cards for everyone else.
No catch. Sovrn doesn't run an underwriting team, doesn't carry chargeback risk and doesn't sit on your revenue, so there's nothing expensive to pass on. The fee is split out of each payment automatically — no invoices, no minimums.
Email hello@sovrn.ventures. Sovrn is built and run by its founder, so you reach the person who wrote the code — not a ticket queue.
Grab an API key and take your first payment today — or tell us about your business and we'll send a tailored integration brief.