> For the complete documentation index, see [llms.txt](https://docs.paymento.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.paymento.io/overview/paymento-overview.md).

# Paymento Overview

Paymento is non-custodial crypto payment infrastructure that enables businesses to accept Bitcoin, stablecoins, and other digital assets without giving Paymento control of their funds.

Paymento provides the checkout, payment detection, blockchain monitoring, confirmation tracking, notifications, and merchant tools needed to accept crypto across multiple networks.

### What you can do with Paymento

#### Accept crypto through an API

Create payment requests, direct customers to Paymento’s hosted checkout, receive payment notifications, and verify results from your server.

#### Use a hosted checkout

Paymento presents the available assets and the appropriate payment experience based on the selected network and wallet method. The checkout updates as the blockchain transaction is detected and confirmed.

#### Create Payment Links

Accept payments without building a website or API integration. Payment Links can be used for products, services, donations, recurring payments, and supported community-access workflows.

#### Install prebuilt plugins

Integrate Paymento with supported e-commerce and billing platforms, including WooCommerce, WHMCS, and OpenCart.

#### Choose how you receive payments

Paymento offers two non-custodial wallet methods:

* **Bring Your Own Wallet:** Payments arrive directly in an external wallet you already control.
* **Paymento Embedded Wallet:** Payments arrive in a merchant-controlled store wallet and can be settled only with merchant authorization.

Learn more in [Wallet Options](/overview/wallet-options.md).

### Non-custodial by design

Paymento does not receive merchant revenue into a Paymento-controlled custodial wallet.

With Bring Your Own Wallet, payments arrive directly in the merchant’s external wallet. With Embedded Wallet, payments arrive in the merchant-controlled store wallet, and Paymento cannot independently authorize transfers or settlement.

Paymento may provide the checkout, monitor blockchain transactions, prepare transaction requests, and report payment status, but it does not independently control merchant funds.

### How Paymento charges fees

Paymento charges fees through the merchant’s Paymento account balance rather than deducting funds from customer payments.

Fees depend on the wallet method and apply to successful payments. Embedded Wallet settlement may also require blockchain network fees.

See [Fees and Pricing](/company/fee-and-pricing.md) for current rates and conditions.