Payments Rail · v1.4 · 13 surfaces · disputes + retry queue + cron
Payments Rail
The AEVION Payments Rail connects creators, IP holders, and platforms through a single infrastructure layer — links, methods, webhooks, settlements, subscriptions, fraud, compliance, and a developer API, tied natively to the trust graph.
Core surfaces
Everything you need to move money
🔗
Payment Links
Generate shareable payment links in seconds. Public /pay/[id] checkout works on any device — no integration required.
Explore →
💳
Payment Methods
12 methods across cards, wallets, banks, crypto, and AEC. Unified checkout across every rail — single API surface.
Explore →
⚡
Webhooks
Real HMAC-SHA256 signed payloads with replay protection, automatic retries, and a full delivery audit log.
Explore →
🏦
Settlements
Daily or on-demand settlement to bank or AEC wallet. Royalty auto-split executes via AEVION Bank.
Explore →
🔁
Subscriptions
Recurring billing with trials, smart-dunning retries (day 1/3/7), MRR + ARR tracking across 4 currencies.
Explore →
🛡️
Fraud detection
6-rule engine with QSign-stamped device fingerprint. Reviewer queue with one-click allow/block decisions.
Explore →
📋
Compliance
KYC tier ladder, sanctions screening across 5 lists, multi-jurisdiction VAT/GST, downloadable Planet-anchored reports.
Explore →
⚙️
Developer API
REST + JSON, idempotency keys, OpenAPI 3.1, Node + Python SDKs. Test/live API key management built in.
Explore →
📊
Dashboard
Live overview across every surface with sparklines — MRR, settlements, fraud, webhook health, links, and a unified activity feed.
Explore →
🟢
Status
Live health checks against /api/health and every public endpoint, refreshed every 30s. Uptime, latency, and surface counts.
Explore →
↩
Refunds
Issue partial or full refunds against any paid link. payment.refunded webhook fans out via HMAC. Idempotent, audit-trailed.
Explore →
🧾
Audit log
Append-only log of every state-changing API call — actor key prefix, IP, UA, target id. Filterable, KV-persisted, 5s auto-refresh.
Explore →
⚖
Disputes
Open chargebacks against any paid link. 5-state lifecycle (needs_response → under_review → won/lost), 7-day SLA, webhook fanout via the retry queue.
Explore →
How the rail works
From link to settlement in 4 steps
STEP 1
Create
Generate a Payment Link or initiate a checkout session via API. Set amount, currency, and settlement target.
STEP 2
Collect
Payer completes checkout using any supported method — card, wallet, AEC credit. Single unified flow.
STEP 3
Notify
Webhooks fire HMAC-signed events at every state change. Your system stays in sync automatically.
STEP 4
Settle
Funds land in your bank account or AEC wallet. Royalty splits execute automatically via AEVION Bank.
Roadmap
What's coming to Payments Rail
livePayment Links — create, share & public /pay/[id] checkout
livePayment Methods — 12-rail unified checkout
liveWebhooks — HMAC-SHA256 signed event delivery
liveSettlements — bank + AEC wallet
liveRoyalty auto-split on settlement (AEVION Bank)
liveMulti-currency support (USD / EUR / KZT / AEC)
liveRecurring billing & subscriptions with smart dunning
liveFraud detection via 6-rule engine + QSign device fingerprint
livePlanet compliance reports (KYC / sanctions / VAT-GST)
liveDeveloper SDK + OpenAPI 3.1 + API key manager
liveReal /api/payments/v1 routes (links / checkout / subs / webhooks / settlements)
liveOpenAPI 3.1 spec served at /api/openapi.json
liveCross-surface dashboard with live activity feed + sparklines
liveCross-device payment links (server mirror + public /api/pay/[id])
liveServer-side webhook delivery via node:crypto HMAC
live/api/health probe + live /payments/status monitor
livePersistence adapter (Vercel KV-aware, memory fallback)
liveRefunds API + UI with webhook fanout (payment.refunded)
livePrintable receipts /r/[id] with method + last4 + print CSS
liveRate limiter (60/min per API key) with X-RateLimit-* headers
liveAudit log with KV persistence + viewer (filter, autorefresh)
liveWebhook retry queue with exp backoff (10s→6h, 6 attempts) + Vercel cron
liveDisputes endpoint + UI surface (5-state lifecycle, webhook fanout)
liveEmail receipts via Resend (auto-sent on capture if payer_email + RESEND_API_KEY)
Part of the AEVION trust infrastructure
Payments Rail sits alongside QRight, QSign, IP Bureau, Planet, and AEVION Bank in the 27-node ecosystem.