BTC Checkout API

FinCobra BTC Checkout lets you accept Bitcoin payments programmatically. Funds go directly to your wallet — no custodial intermediary.

How it works

1. Configure — provide your extended public key (xpub/ypub/zpub) so unique payment addresses can be derived for each invoice.
2. Create an API key — generate an API key in the dashboard to authenticate requests.
3. Create invoices — call POST /api/checkout/invoices with a USD amount. The API converts it to BTC at the current market rate and returns a unique payment address + QR code.
4. Share the payment link — redirect your customer to /pay/:id or embed the QR code. The page shows a live countdown and updates automatically when payment is detected.
5. Get notified — configure a callback URL to receive webhook events when payments are received, confirmed, expired, or underpaid.

Address derivation

Each invoice gets a unique Bitcoin address derived from your extended public key using BIP-44/49/84 derivation (depending on whether you provide an xpub, ypub, or zpub). The address index auto-increments with each invoice and resets if you change your xpub.

Base URL

All API endpoints are relative to:

https://fincobra.com

Next steps

• Authentication — learn how to authenticate API requests
• Configuration — set up your checkout config
• Invoices — create and manage payment invoices
• Webhooks — receive real-time payment notifications
• API Reference — full endpoint reference