Binance Pay 🟡

Crypto payment solution powered by Binance, the world's largest cryptocurrency exchange.

Environment Variables

Variable	Description	Required
BINANCE_PAY_API_KEY	Merchant API Key	Yes
BINANCE_PAY_SECRET	API Secret Key	Yes
BINANCE_PAY_MERCHANT_ID	Merchant ID	Yes

Features

• 💸 C2C Transfers - Send crypto to Binance users (0 fee)
• 🛒 Merchant Payments - Accept crypto payments
• 🔄 Refunds - Process payment refunds
• 📊 Order Management - Track payment status
• 🌍 200M+ Users - Access to Binance ecosystem

API Base URL

https://bpay.binanceapi.com

Authentication

API_KEY="${BINANCE_PAY_API_KEY}"
SECRET="${BINANCE_PAY_SECRET}"
TIMESTAMP=$(date +%s%3N)
NONCE=$(openssl rand -hex 16)

# Generate signature
generate_signature() {
  local payload="$1"
  local sign_string="${TIMESTAMP}\n${NONCE}\n${payload}\n"
  echo -n "$sign_string" | openssl dgst -sha512 -hmac "$SECRET" | cut -d' ' -f2 | tr '[:lower:]' '[:upper:]'
}

Create Payment Order

PAYLOAD='{
  "env": {
    "terminalType": "WEB"
  },
  "merchantTradeNo": "'"$(date +%s)"'",
  "orderAmount": "10.00",
  "currency": "USDT",
  "goods": {
    "goodsType": "01",
    "goodsCategory": "D000",
    "referenceGoodsId": "product-001",
    "goodsName": "Product Name"
  }
}'

SIGNATURE=$(generate_signature "$PAYLOAD")

curl -s -X POST "https://bpay.binanceapi.com/binancepay/openapi/v2/order" \
  -H "Content-Type: application/json" \
  -H "BinancePay-Timestamp: ${TIMESTAMP}" \
  -H "BinancePay-Nonce: ${NONCE}" \
  -H "BinancePay-Certificate-SN: ${API_KEY}" \
  -H "BinancePay-Signature: ${SIGNATURE}" \
  -d "$PAYLOAD" | jq '.'

Query Order Status

PAYLOAD='{
  "merchantTradeNo": "<ORDER_ID>"
}'

SIGNATURE=$(generate_signature "$PAYLOAD")

curl -s -X POST "https://bpay.binanceapi.com/binancepay/openapi/v2/order/query" \
  -H "Content-Type: application/json" \
  -H "BinancePay-Timestamp: ${TIMESTAMP}" \
  -H "BinancePay-Nonce: ${NONCE}" \
  -H "BinancePay-Certificate-SN: ${API_KEY}" \
  -H "BinancePay-Signature: ${SIGNATURE}" \
  -d "$PAYLOAD" | jq '.'

Close Order

PAYLOAD='{
  "merchantTradeNo": "<ORDER_ID>"
}'

SIGNATURE=$(generate_signature "$PAYLOAD")

curl -s -X POST "https://bpay.binanceapi.com/binancepay/openapi/v2/order/close" \
  -H "Content-Type: application/json" \
  -H "BinancePay-Timestamp: ${TIMESTAMP}" \
  -H "BinancePay-Nonce: ${NONCE}" \
  -H "BinancePay-Certificate-SN: ${API_KEY}" \
  -H "BinancePay-Signature: ${SIGNATURE}" \
  -d "$PAYLOAD" | jq '.'

Process Refund

PAYLOAD='{
  "refundRequestId": "'"$(date +%s)"'",
  "prepayId": "<PREPAY_ID>",
  "refundAmount": "5.00"
}'

SIGNATURE=$(generate_signature "$PAYLOAD")

curl -s -X POST "https://bpay.binanceapi.com/binancepay/openapi/v2/order/refund" \
  -H "Content-Type: application/json" \
  -H "BinancePay-Timestamp: ${TIMESTAMP}" \
  -H "BinancePay-Nonce: ${NONCE}" \
  -H "BinancePay-Certificate-SN: ${API_KEY}" \
  -H "BinancePay-Signature: ${SIGNATURE}" \
  -d "$PAYLOAD" | jq '.'

Supported Currencies

Currency	Type	Min Amount
USDT	Stablecoin	0.01
BUSD	Stablecoin	0.01
USDC	Stablecoin	0.01
BTC	Crypto	0.00001
ETH	Crypto	0.0001
BNB	Crypto	0.001

Webhook Events

Event	Description
PAY	Payment completed
REFUND	Refund processed
CANCEL	Order cancelled

Webhook Verification

# Verify webhook signature
verify_webhook() {
  local payload="$1"
  local received_sig="$2"
  local timestamp="$3"
  local nonce="$4"
  
  local sign_string="${timestamp}\n${nonce}\n${payload}\n"
  local expected_sig=$(echo -n "$sign_string" | openssl dgst -sha512 -hmac "$SECRET" | cut -d' ' -f2 | tr '[:lower:]' '[:upper:]')
  
  [[ "$received_sig" == "$expected_sig" ]]
}

Order Status Codes

Status	Description
INITIAL	Order created
PENDING	Awaiting payment
PAID	Payment successful
CANCELED	Order cancelled
REFUNDING	Refund in progress
REFUNDED	Refund completed
EXPIRED	Order expired

Safety Rules

1. ALWAYS verify webhook signatures
2. NEVER expose API secrets
3. ALWAYS use idempotent merchantTradeNo
4. CHECK order status before fulfilling

Links

• Binance Pay Docs
• Merchant Portal
• API Reference