--- title: Payment channels description: How customers top up their wallet in NexCMP — the available channels, how to enable each one, fees, limits and how to watch them. url: https://nexcmp.com/docs/billing/payment-channels/ applies_to: NexCMP 1.6.1 updated: 2026-11-02 --- # Payment channels > **Where in the admin:** Finance › Payment channels (`/payments`). Switches and fees: Finance › Payment channels › Fees & limits (`/payments/fees`). NexCMP uses a **prepaid USD wallet**. Customers add money to the wallet through a payment channel; every service is then paid from the wallet. A channel is only shown to customers when it is both **enabled** and **configured**. ## What it does Payment channels connect your payment accounts (Stripe, PayPal, Binance, a Vietnamese bank) to the customer wallet. A confirmed payment becomes exactly one wallet credit — each credit is keyed by the gateway payment ID, so a repeated webhook can never add money twice. Use this page to see which channels are ready, how they performed over the last 30 days, and which ones need attention. ## Requirements | Item | Requirement | |---|---| | Public HTTPS address | Gateways send webhooks to `https:///v1/billing/...`, so your panel must be reachable from the Internet over valid TLS (see [DNS and Cloudflare](https://nexcmp.com/docs/getting-started/dns-and-cloudflare/)). | | Accounts | Your own account with each provider you want to use. Credentials are entered in the admin and are never shown again (only the last 4 characters). | | Admin role | An administrator account. | | Dependencies | None. The VN bank channel additionally needs an [exchange rate](https://nexcmp.com/docs/catalog/currency-and-exchange-rates/). | ## The channels | Channel | What the customer sees | Set up in | Article | |---|---|---|---| | Card (Stripe) | Card form, saved card | Payment channels › Stripe | [Stripe](https://nexcmp.com/docs/billing/stripe/) | | Apple Pay, Google Pay, Link | Wallet buttons (Stripe Express Checkout) | Stripe, plus domain registration | [Stripe](https://nexcmp.com/docs/billing/stripe/#apple-pay-google-pay-and-link) | | Alipay | Redirect to Alipay (charged in JPY by Stripe) | Stripe, plus Fees & limits | [Stripe](https://nexcmp.com/docs/billing/stripe/#alipay) | | PayPal | PayPal buttons, saved PayPal account | Payment channels › PayPal | [PayPal](https://nexcmp.com/docs/billing/paypal/) | | USDT | Deposit address and exact amount | Payment channels › USDT | [USDT](https://nexcmp.com/docs/billing/usdt/) | | VN bank transfer | QR code and transfer details (Vietnamese interface only) | Payment channels › VN bank transfer | [Bank transfer (Vietnam)](https://nexcmp.com/docs/billing/bank-transfer-vn/) | ## Prepare the infrastructure Not required. Everything is configured in the admin; there is nothing to install on the server. ## Connect in NexCMP 1. Open **Finance › Payment channels** (`/payments`). The overview table lists every channel with its state. 2. Open the channel's own tab (**Stripe**, **PayPal**, **USDT**, **VN bank transfer**) and follow its article. Each tab ends with a **Save** button and, where available, a **Test** button. 3. Open **Fees & limits** (`/payments/fees`), find the card **Payment gateways & fees (wallet top-up)**, turn the channel on with its switch and click **Save channels & fees**. ![Payment channels overview listing the gateways with their enabled, configured and 30-day statistics](https://nexcmp.com/docs/images/billing/payment-channels-01-overview.webp) ![Fees and limits page with the channel switches and the fee fields](https://nexcmp.com/docs/images/billing/payment-channels-02-fees.webp) ### Switches and fees (Fees & limits) | Setting | Default | Meaning | |---|---|---| | Card (Stripe) | On | Card form on the deposit screen. Hidden until Stripe has a secret key. | | Apple Pay, Google Pay, Link | On | Wallet buttons. They only appear when the domain is verified at Stripe. | | Alipay | Off | Needs Alipay activated in the Stripe Dashboard. | | PayPal | Off | Shown only when PayPal is configured. | | USDT (Binance) | Off | The switch is locked until the deposit address has been verified against Binance. | | Stripe fee % / fixed (cents) | 3.6 % and 0 | Used to show the customer the fee and to compute the credited amount. Set it to your real Stripe tariff. | | PayPal fee % / fixed | 4.4 % and 30 cents | Same, for PayPal. | | USDT fee % | 1 % | Same, for USDT. | | Customer pays top-up fee | Off | **On**: the customer pays amount + fee and the wallet receives the full amount. **Off**: the fee is deducted and the wallet receives the amount minus the fee. | The customer always sees the fee and the final wallet credit before paying. Turning a channel off hides the button and the server refuses new payments with `method_disabled` (HTTP 403). ::: tip Top-up limits The minimum and maximum amount per top-up are on the same page — see [Minimum top-up](https://nexcmp.com/docs/billing/minimum-top-up/). ::: ## Verify 1. On the overview table the channel shows **Enabled** and **Configured**; the **Last test** column is filled after you click **Test** on the channel's tab. 2. Sign in to the portal as a test customer and open **Billing › Deposit**. The channel button is present. 3. Make a small payment (see the channel's article for test cards or sandbox accounts). The balance rises, a **Top-up received** notification appears, and the payment is listed in **Finance › Billing › Top-ups** (`/billing/deposits`). ## Limits & notes - **Overview columns:** *30 days* (number of payments, successes, failures and volume), *Stuck 24h* (payments still pending after a day) and *Unmatched* (USDT or bank transfers that arrived but match no order). The KPI row adds the 30-day volume, the number of faulty channels (enabled but not configured, or stuck payments) and the total unmatched. - **Webhook events** are listed under **Payment channels › Gateway events** (`/payments/events`). Stripe has its own tab; PayPal and USDT share one. A failed event can be replayed — the wallet ledger is idempotent, so replaying never credits twice. - **Resellers** can have their own Stripe, PayPal, USDT and bank channels. Their rows also appear here, and the site selector in the header filters them. See [Resellers](https://nexcmp.com/docs/customers/resellers/). - **Refunds:** Stripe and PayPal payments can be refunded from the payment list; USDT payments cannot be refunded to the source (the server answers `usdt_no_refund`). - **Maintenance mode** still accepts gateway webhooks, so a payment made just before maintenance is not lost. ## Troubleshooting | Symptom | Cause | Fix | |---|---|---| | Channel missing on the customer's deposit screen | Switched off, not configured, or (VN bank) the interface is not Vietnamese | Check **Fees & limits** and the channel tab; see [Bank transfer (Vietnam)](https://nexcmp.com/docs/billing/bank-transfer-vn/). | | The KPI **Faulty channels** is above 0 | A channel is enabled without credentials, or payments are pending for more than 24 hours | Open the row and click **Configure**; for stuck payments open **Gateway events** and replay. | | Customer paid but the balance did not change | The webhook did not arrive | Check the webhook URL on the channel tab, then replay the event in **Gateway events**. | | Server answers `method_disabled` | The switch is off | Turn it on in **Fees & limits** and save. | | USDT switch is greyed out | Deposit address not verified | Click **Test & verify address** on the USDT tab. |