The Merchant API Key is used to accept crypto payments through your website or app. It allows you to generate payment requests, receive status updates via callback, and customize options like accepted coins, auto-conversion, and more. You can create it from the Merchant Service section.
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Payout API Key is for sending crypto to users—ideal for platforms that need to automate withdrawals or partner payouts.
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There’s also a General API Key, used only for swaps and conversions. This can be created from the Account Settings page.
<table border="1" style="border-collapse: collapse; border-style: double; border-width: 2px; width: 100%;">
<thead>
<tr>
<th style="width: 19.8298%; border-width: 2px;">Feature / Type</th>
<th style="width: 21.768%; border-width: 2px;">Merchant API Key</th>
<th style="width: 27.135%; border-width: 2px;">Payout API Key</th>
<th style="width: 31.2672%; border-width: 2px;">General API Key</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 19.8298%; border-width: 2px;">Main Purpose</td>
<td style="width: 21.768%; border-width: 2px; text-align: center;">Accept crypto payments</td>
<td style="width: 27.135%; border-width: 2px; text-align: center;">Send crypto to users or partners</td>
<td style="width: 31.2672%; border-width: 2px;">&nbsp; &nbsp; &nbsp; &nbsp; Swap and convert&nbsp; &nbsp;between supported coins</td>
</tr>
<tr>
<td style="width: 19.8298%; border-width: 2px;">Where to Create</td>
<td style="width: 21.768%; border-width: 2px; text-align: center;">Merchant Service page</td>
<td style="width: 27.135%; border-width: 2px; text-align: center;">Payout Service page</td>
<td style="width: 31.2672%; border-width: 2px;">&nbsp; &nbsp;Account Settings page</td>
</tr>
<tr>
<td style="width: 19.8298%; border-width: 2px;">Use Cases</td>
<td style="width: 21.768%; border-width: 2px; line-height: 1.15;">&nbsp; &nbsp; &nbsp; &nbsp; Deposits, &nbsp; &nbsp; E-commerce&nbsp; &nbsp; &nbsp; &nbsp;payments, order&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; checkout</td>
<td style="width: 27.135%; border-width: 2px; text-align: center;">User withdrawals, affiliate payouts</td>
<td style="width: 31.2672%; border-width: 2px; text-align: center;">Internal swaps (e.g., convert ETH to USDT)</td>
</tr>
<tr>
<td style="width: 19.8298%; border-width: 2px;">Callback Support</td>
<td style="width: 21.768%; border-width: 2px; text-align: center;">Yes&nbsp;</td>
<td style="width: 27.135%; border-width: 2px; text-align: center;">Yes&nbsp;</td>
<td style="width: 31.2672%; border-width: 2px; text-align: center;">Yes&nbsp;</td>
</tr>
</tbody>
</table>

The Merchant API Key is used to accept crypto payments through your website or app. It allows you to generate payment requests, receive status updates via callback, and customize options like accepted coins, auto-conversion, and more. You can create it from the Merchant Service section.

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Payout API Key is for sending crypto to users—ideal for platforms that need to automate withdrawals or partner payouts.

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There’s also a General API Key, used only for swaps and conversions. This can be created from the Account Settings page.

Feature / Type Merchant API Key Payout API Key General API Key Main Purpose Accept crypto payments Send crypto to users or partners         Swap and convert   between supported coins Where to Create Merchant Service page Payout Service page    Account Settings page Use Cases         Deposits,
    E-commerce       payments, order          checkout User withdrawals, affiliate payouts Internal swaps (e.g., convert ETH to USDT) Callback Support Yes  Yes  Yes 

What is a Merchant API Key and how is it different from the Payout and General API Keys?

How to create an account

API Integration: What’s Possible

Are identification documents required for using OxaPay? (KYC)

How do I get started?

Which cryptocurrencies can I accept with OxaPay?

What is an invoice?

How to Withdraw?

Can I have my customer cover OxaPay service fee?

What is an internal transfer and how could it benefit me?

How can I receive funds in my OxaPay wallet?

Difference between Invoice Service, White-Label Service, and Static Address Service

Feature / Type	Merchant API Key	Payout API Key	General API Key
Main Purpose	Accept crypto payments	Send crypto to users or partners	Swap and convert between supported coins
Where to Create	Merchant Service page	Payout Service page	Account Settings page
Use Cases	Deposits, E-commerce payments, order checkout	User withdrawals, affiliate payouts	Internal swaps (e.g., convert ETH to USDT)
Callback Support	Yes	Yes	Yes