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title ZBD Payments
sidebarTitle Introduction
description Global instant payments infrastructure for apps and games with Bitcoin, Lightning Network, and multi-currency support

Build global payment experiences that actually work. ZBD Payments provides instant, low-cost money movement across major Tier 1 markets (US, EU, etc) using Bitcoin, Lightning Network, and traditional currencies - all through a single API.

Sub-second global payments with Lightning Network. No waiting, no borders. Accept and send USD, EUR, and BTC. One API, multiple currencies. Built for millions of microtransactions. Handle millions of transactions with ease. Simple APIs, comprehensive SDKs, and documentation that doesn't suck.

Why ZBD Payments?

The Problem with Traditional Payments

**Card Networks:** - Minimum ~$0.30 fee per transaction - Can't send 0.10c when fees are 0.30c - Chargebacks eat profits - High decline rates 
**ZBD Payments:**
- Send amounts as low as $0.001
- Proportional fees (typically < 1%)
- No chargebacks
- Near 100% success rate
**Legacy Providers:** - Complex integration (weeks/months) - Different APIs per country - Compliance nightmares - Poor documentation 
**ZBD Payments:**
- Single API globally
- 5-minute quick start
- Compliance built-in
- Stripe-quality docs
**Traditional Systems:** - 3-5 day settlement times - $25-45 fees per transaction - Limited to banking hours - Blocked in many countries 
**ZBD Payments:**
- Instant settlement (< 1 second)
- Fees from $0.0001
- 24/7/365 availability
- Works in globally

How It Works

graph LR
    A[Your App] -->|API Call| B[ZBD Platform]
    B --> C{Payment Type}
    C -->|Lightning| D[Instant Delivery]
    C -->|On-chain| E[Bitcoin Network]
    C -->|Fiat| F[Banking Rails]
    D --> G[Recipient]
    E --> G
    F --> G
Loading

Core Concepts

Bitcoin's Layer 2 scaling solution enabling instant, low-cost payments. Think of it as the Visa network for Bitcoin - same security, 1000x faster. 
**Key Benefits:**
- Instant settlement (< 1 second)
- Fees typically < $0.01
- Millions of TPS capacity
- Perfect for gaming microtransactions
Human-readable payment addresses like `user@zbd.gg`. No more copying long Bitcoin addresses. Works like email for money. 
**Why It Matters:**
- Memorable usernames
- No QR codes needed
- Works across all Lightning wallets
- Perfect for in-game identities

Products & Features

🚀 ZBD Ramp

Let users buy Bitcoin directly in your app. First widget to support Lightning Address delivery.

Embeddable widget • Built-in KYC • Multiple payment methods

⚡ Payments API

Send and receive payments globally via our REST API.

Instant settlements • Global reach • Bitcoin Lightning Network

🛠️ Developer SDKs

Production-ready SDKs for popular languages and frameworks. Get building in minutes, not weeks.

TypeScript • Go • Rust • C# • More coming

Use Cases

Gaming & Virtual Worlds

- Instant item purchases - No minimum transaction - Global player base - Zero chargebacks - P2P marketplaces - Instant settlement - Cross-border trades - Low fees = more profit - Instant winner payouts - Any amount, any country - No banking details needed - Automated via API - Pay mod creators - Revenue sharing - Micropayments work - Global participation

Apps & Platforms

Pay-per-article, pay-per-view, tips - amounts too small for cards Instant payouts to workers globally without bank accounts Send money home instantly with fees under $0.01 Usage-based billing down to fractions of a cent

Compliance & Security

Built-in Compliance

  • KYC/AML: Automated identity verification where required
  • Sanctions Screening: Real-time OFAC and international lists
  • Transaction Monitoring: AI-powered fraud detection
  • Regulatory Licenses: Money transmission licenses in key markets

Security First

  • End-to-end Encryption: All data encrypted in transit and at rest
  • API Key Security: Scoped permissions and IP allowlisting
  • Webhook Signatures: Cryptographic verification of all events
  • SOC 2 Type II: Annual security audits

Pricing

**Custom Pricing** - We offer competitive rates based on your volume and use case. Schedule a call to discuss pricing that works for your business.

What Affects Pricing

  • Transaction volume
  • Average transaction size
  • Geographic distribution
  • Settlement preferences
  • Support level needed

Start Building

[Schedule a call](https://zbd.one/sales) with our team to get access Pick between Ramp, Payments API, or both Use our quick start guides to integrate in minutes Start processing real payments with production keys Let users buy Bitcoin TypeScript, Go, Rust & more Complete API documentation

Need Help?

Get API keys and discuss your use case Technical help from our engineering team