PayRam Bitcoin Payments

First time with PayRam? See payram-setup to configure your server, API keys, and wallets.

PayRam supports on-chain Bitcoin with a unique architecture: HD wallet derivation for deposits, mobile app signing for sweeps—no private keys ever touch the server.

Bitcoin vs EVM Architecture

Aspect	EVM Chains	Bitcoin
Deposit addresses	Smart contract generated	HD wallet derived
Sweep mechanism	Automated smart contract	Manual mobile app approval
Key storage	Keyless (contract-based)	Seed phrase on mobile only
Confirmation time	~15 sec - 2 min	~10-60 min

Setup Overview

Step 1: Configure Bitcoin in PayRam Dashboard

1. Navigate to Wallet Management → Bitcoin & Other Networks
2. Click Add Cold Wallet
3. Enter your Bitcoin cold wallet address (where funds will sweep to)

Step 2: Link Mobile App

The PayRam Merchant mobile app handles Bitcoin signing:

1. Download PayRam Merchant app (iOS/Android)
2. In PayRam dashboard: Settings → Accounts → Connect to PayRam Mobile App
3. Scan QR code with mobile app
4. Set up device passcode/biometrics

Step 3: Enter Seed Phrase (Mobile Only)

1. Open PayRam Merchant app
2. Select your configured BTC wallet
3. Click Link Wallet
4. Enter 12-word Bitcoin seed phrase

Security: Seed phrase is encrypted and stored only on your mobile device. Never transmitted to server.

Step 4: Approve Sweeps via Mobile

When deposits accumulate:

1. Open app → Signing Requests → Pending
2. Review batch: deposit addresses, amounts, fees
3. Approve batch to sweep funds to cold wallet
4. Monitor progress in In Progress tab
5. View completed sweeps in History

Payment Flow

1. Customer requests payment
2. PayRam derives unique BTC address from your seed (HD wallet)
3. Customer sends BTC to deposit address
4. PayRam detects transaction, waits for confirmations
5. Webhook fires: payment.pending → payment.successful
6. Deposits batch for sweep
7. You approve sweep in mobile app
8. Funds move to your cold wallet

Integration

Bitcoin payments use the same API as stablecoin/crypto payments:

const response = await axios.post(
  `${PAYRAM_BASE_URL}/api/v1/payment`,
  {
    customerEmail: 'customer@example.com',
    customerId: 'user_123',
    amountInUSD: 50, // PayRam shows BTC equivalent
  },
  { headers: { 'API-Key': PAYRAM_API_KEY } },
);

// User redirected to payment page
// Can select Bitcoin as payment method

Webhook Events

{
  "type": "payment.successful",
  "data": {
    "reference_id": "abc123",
    "chain": "bitcoin",
    "token": "BTC",
    "amountInUSD": 50,
    "tokenAmount": "0.00052",
    "txHash": "abc123...",
    "confirmations": 3
  }
}

HD Wallet Derivation

PayRam uses BIP44 derivation to generate unique addresses:

• Master seed: Your 12-word phrase (mobile only)
• Derivation path: m/44'/0'/0'/0/n
• Result: Unlimited unique deposit addresses, all controlled by same seed

Benefits:

• Each customer/transaction gets unique address
• No address reuse
• Single seed controls all deposits
• Cold wallet receives all swept funds

Confirmation Requirements

Bitcoin requires more confirmations due to longer block times:

Amount	Recommended Confirmations
< $100	1 confirmation (~10 min)
$100 - $1000	3 confirmations (~30 min)
> $1000	6 confirmations (~60 min)

Configure thresholds in PayRam dashboard.

Mobile App Security

What's on the server:

• Extended public key (xpub) for address generation
• No private keys, no seed phrase

What's on mobile:

• Encrypted seed phrase
• Signing capability
• Protected by device security (PIN, biometrics)

Sweep approval:

• Each batch requires explicit mobile approval
• Review amounts, addresses, fees before signing
• Audit trail of all approvals

Compared to Other Solutions

Feature	PayRam	BTCPay Server	BitPay
Self-hosted	✅	✅	❌
Mobile signing	✅	❌	❌
Stablecoin support	✅	Limited	✅
No keys on server	✅	❌	❌

MCP Server Tools

Standard payment tools work for Bitcoin:

Tool	Purpose
generate_payment_sdk_snippet	Payment creation
generate_webhook_handler	BTC payment events
scaffold_payram_app	Full app with BTC support

Troubleshooting

Deposits not detected: Check Bitcoin node sync status in PayRam dashboard.

Sweep pending too long: Open mobile app, check Signing Requests → Pending.

Address derivation issues: Verify seed phrase matches expected xpub.

All PayRam Skills

Skill	What it covers
payram-setup	Server config, API keys, wallet setup, connectivity test
payram-agent-onboarding	Agent onboarding — CLI-only deployment for AI agents, no web UI
payram-analytics	Analytics dashboards, reports, and payment insights via MCP tools
payram-crypto-payments	Architecture overview, why PayRam, MCP tools
payram-payment-integration	Quick-start payment integration guide
payram-self-hosted-payment-gateway	Deploy and own your payment infrastructure
payram-checkout-integration	Checkout flow with SDK + HTTP for 6 frameworks
payram-webhook-integration	Webhook handlers for Express, Next.js, FastAPI, Gin, Laravel, Spring Boot
payram-stablecoin-payments	USDT/USDC acceptance across EVM chains and Tron
payram-bitcoin-payments	BTC with HD wallet derivation and mobile signing
payram-payouts	Send crypto payouts and manage referral programs
payram-no-kyc-crypto-payments	No-KYC, no-signup, permissionless payment acceptance

Support

Need help? Message the PayRam team on Telegram: @PayRamChat

• Website: https://payram.com
• GitHub: https://github.com/PayRam
• MCP Server: https://github.com/payram/payram-mcp