Headless Payments

Using MoonPay Commerce, you can make end-to-end headless payments with no UI required. This is ideal for seamless integrations with third-party services, allowing merchants to accept payments through MoonPay Commerce without a UI.

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This feature is currently supported only on the Solana network.

How It Works

Merchants generate Pay Links that define the payment request, including supported currencies.
Payers prepare a transaction via the API using the Pay Link and their public key.
MoonPay Commerce provides the transaction payload (serialized transaction, message, and token) needed for signing.
Payers sign and submit the transaction, completing the payment fully through the API without a UI.

How to Get Started

Create a Pay Link

The merchant creates and shares a Pay Link ID. Optionally, they may also specify a currency ID.

If no currency is provided, it will default to USDC.
If USDC is not available, the first enabled currency on the Pay Link will be used.

Prepare the Transaction

The payer calls the prepare endpoint, passing the following parameters:

paymentRequestId - The Pay Link ID
senderPublicKey - the payer's public key
currencyId (optional)
any other required fields (see API reference for full list)

Sign the Transaction

The /prepare endpoint responds with:

transactionToken - Identifier required to submit the signed transaction.
transactionMessage - Metadata or message tied to the transaction.
serializedTransaction - Unsigned transaction data to be signed by the payer.
addressLookupTableAccounts - Accounts used to resolve addresses in the transaction.

To sign the transaction, you can use the WalletService helper shown below:

import { Keypair, VersionedTransaction } from '@solana/web3.js'
import bs58 from 'bs58'
import { PrepareTransactionExtended } from '@heliofi/common'

class WalletService {
  private getPrivateKey(): string {
    // The base58 encoded private key.
    const privateKey = import.meta.env.VITE_WALLET_PRIVATE_KEY
    if (!privateKey) {
      throw new Error('Wallet private key not configured.')
    }
    return privateKey
  }

  createWallet() {
    try {
      const privateKey = this.getPrivateKey()
      // The Keypair object built from the private key.
      return Keypair.fromSecretKey(bs58.decode(privateKey))
    } catch (error) {
      console.error('Error creating wallet:', error)
      throw error
    }
  }

  async signTransaction(
    preparedTransaction: PrepareTransactionExtended,
  ): Promise<string> {
    try {
      const wallet = this.createWallet()
      // The serialized transaction from the prepared transaction (The response from the prepare endpoint).
      const { serializedTransaction } = preparedTransaction

      // Create a VersionedTransaction object from the serialized transaction.
      const vtx = VersionedTransaction.deserialize(
        Buffer.from(serializedTransaction!, 'base64'),
      )

      // Sign the transaction with the wallet.
      vtx.sign([wallet])

      // Serialize the signed transaction and return it as a base64 string.
      const signedAsBufferJson = Buffer.from(vtx.serialize()).toString('base64')

      return signedAsBufferJson
    } catch (error) {
      console.error('Error signing transaction:', error)
      throw new Error(
        `Failed to sign transaction: ${error instanceof Error ? error.message : 'Unknown error'}`,
      )
    }
  }

  getWalletAddress(): string {
    try {
      const wallet = this.createWallet()
      return wallet.publicKey.toBase58()
    } catch (error) {
      console.error('Error getting wallet address:', error)
      throw error
    }
  }
}

export const walletService = new WalletService()

Submit the Transaction

The payer calls the submit endpoint, providing:

the signedTransaction value
the transactionToken from the /prepare response.

This submits the fully signed transaction for processing.