How-to Articles

How to Register in the Payment System

#enterprise #merchant

Before starting your registration process, select the most convenient language from the drop-down list in the upper right corner of your screen.

  1. Select your account type — Enterprise or Merchant.

  2. Fill out the following fields:

  • First name — required field: enter your first name.

  • Last name — required field: enter your last name.

  • E-mail — required field: enter your email.

  • Mobile number — required field: choose your country code from the drop-down list and enter your mobile phone number.

  • Other contact information — enter any additional information you consider necessary (mind the character number restriction of the field).

  • Language — from the drop-down list, select the preferred language of communication.

  • Legal entity name — required field: enter the legal name of your organization.

  • Country of incorporation — required field: from the drop-down list, select the country of registration of your organization.

  • Other business name — enter other name of your organization, if you have any (for example, the brand name).

  • Place of business operations — required field: from the drop-down list, select the place of your business operation.

  • Type of business — required field: from the drop-down list, select the type of your business.

  • Global number of employees — required field: from the drop-down list, select the number of employees.

  • Company website — add your company website.

  • Business description — required field: add a description of your business (mind the character number restriction for the field).

  • New password — required field: enter a password for your account. Make sure you use a strong password that consists of a combination of uppercase and lowercase letters, numbers and special symbols.

  • Confirm password — re-enter the password to confirm it.

  1. Check the Agree with AML Policy and Agree with Terms of Use, Privacy Policy checkboxes. Make sure to read these Policies carefully before checking the checkboxes.

  2. Click Sign up. After clicking the button, you will be redirected to the authorization form.

  3. Enter your email and password, specified at registration and click Submit. You will be redirected to the verification by email form. Also, you will receive an email with confirmation code to the email address specified at registration.

  4. Enter the confirmation code from the email on the verification form and click Send. You will be redirected to the verification by phone number form.

  5. On the verification form, enter the confirmation code from the SMS sent to your phone number and click Send.

Note

If you failed to receive an SMS with the confirmation code, click the Resend button. The confirmation code can be resent no more than 3 times an hour with 1 minute interval. If you do not receive the confirmation code after clicking Resend, contact our technical support service.

Now you can log in with the email and password, specified at registration, to use all functions of B2BinPay.

How to Protect Your Account

#enterprise #merchant

Make sure everyone in your team follows these guidelines:

  1. Use strong passwords that consists of a combination of uppercase and lowercase letters, numbers and special symbols. We recommend that you use password managers. Refer to How to Change Your Password for more information.

  2. Never give your password to anyone.

  3. Enable 2FA.

Important

We strongly recommend that you enable 2FA, since it provides better protection for your account. 2FA is a uniquely generated code that you should enter after entering your login and password. The code can be used only once and should be entered before it expires.

You can use either your email or Google Authenticator for receiving 2FA verification codes. We recommend the latter as it is more reliable, and it will be more difficult for attackers to gain access to your device than to your email. However, remember that if you lose your device or forget the secret code, you will lose the access to your account. To restore the access, you will have to address your account and provide all the necessary documents to verify your identity. Refer to How to Enable 2FA for more information.

If you are the Owner, perform the following actions to protect your account:

  1. Regenerate API keys after the integration is successfully completed.

API keys are sent to your email after registration in the system. If you share these keys with the developers, make sure to regenerate the keys after setup to reset the access. Refer to How to Manage API Access for more information.

  1. Manage access rights carefully.

Make sure that your users have access only to those wallets and operations that are necessary for completing their tasks. Use Withdrawals with approval option. Ref. to How to Grant Access to Your Wallet for a description of user roles management.

  1. Specify IP white list for API operations.

Refer to How to Restrict Access by IP for more information.

We also recommend the following:

  • Specify white list of IP addresses not only for API operations, but also for accessing the system interface. You can specify separate IP addresses or subnet mask (for example, of your office). The specified IP addresses should be static, not dynamic! Refer to How to Restrict Access by IP for more information.

  • Enable notifications for each wallet to receive notifications about all operations with the wallet and find out about suspicious transactions as quickly as possible. Refer to the Wallet settings section of the User Guide for Enterprise for more information about notifications enabling for Enterprise users and to the Wallet settings section of the User Guide for Merchants for more information about notifications enabling for Merchant users.

What to do if you suspect your account has been hacked

  1. Change your password as soon as possible.

Password changing takes some time in the system. If you use Google Authenticator, switch it off and on to receive a new 2FA verification code.

  1. Reset access rights and IP white lists.

At least for a while, assign Read only or Withdrawals with approval role to all users who have access to wallets. Limit the list of IP addresses from which access to the system interfaces is allowed.

  1. Inform your account manager about suspicious operations or activity.

How to Change Your Password

#enterprise #merchant

  1. Navigate to Control panel > Settings.

  2. Enter new password in the New password field. Make sure you use a strong password that consists of a combination of uppercase and lowercase letters, numbers and special symbols.

  3. Re-enter new password to confirm it.

  4. Click Save.

If you forgot your password, click the Forgot password link to reset it.

How to Enable 2FA

#enterprise #merchant

  1. Navigate to Control panel > Settings.

  2. Check 2FA enabled, then click Next.

  3. Select a confirmation method out of the two methods that we support:

  • Google Authenticator: download and install Google authenticator application and scan the QR code or enter the secret key to set up your account on your device. After this, you will be able to view the account, and the application will generate a 6-digit code. Enter the code to the Verify code field to complete the set up. Make sure to click the Verify button before the code expires. For the proper verification process, your server time has to be in sync with NTP server to function properly. Google Authenticator app is available in Google Play and AppStore.

  • Email confirmation: your email address will be used to send temporary codes. Please, make sure you have access to your email.

  1. Click Save.

How to Manage API Access

#enterprise #merchant

We recommend that you use this option to protect your account.

  1. Navigate to Control panel > API access.

  2. In the White list field, type a comma-separated list of IP addresses which are allowed to access your wallets and transactions by API.

  3. Enter your password in the Password field.

  4. Click Save.

How to Restrict Access by IP

#enterprise #merchant

You can restrict access to the interface of B2BinPay by IP.

  1. Navigate to Control panel > Settings.

  2. In the Security field, type a comma-separated list of IP addresses which are allowed to access your wallets and transactions.

  3. Click Save.

Now only the users specified in the list of IP addresses are allowed to access your account.

How to Create a Wallet

For Enterprise users

#enterprise

  1. Navigate to Wallets > All wallets.

  2. Click New Wallet.

  3. Fill out the form:

  • Currency — required field: select the wallet currency from the list of available currencies or create your custom token following the link in the subscription below the field. Mind that this value cannot be changed after the wallet is created.

  • Parent wallet — a wallet in tokens always requires a parent wallet in coins. This means that each token-wallet should be linked to a coin-wallet. Mind that it is impossible to link two token-wallets to one parent coin-wallet. For successful transactions of tokens in ETH, BNB and TRX blockchains, you need to have minimum required amount of funds on the parent wallet (refer to Wallet settings for specific values).

  • Label — enter the name of the wallet. The label of the wallet is displayed in the list and is used for a quick search. It can be any name convenient for you.

  1. If needed, set the Advanced options:

  • Minimal transfer amount — the system will not automatically accept payments less than the specified amount (in wallet currency). This can be useful if the transaction fee exceeds the transaction amount. In this case, the callback will not be sent, you will see a new transfer with Cancelled status on the Transfers page (refer to Transfers for more details). You will also receive a notification in the Events: here you can confirm and accept such transfers manually. You can set a minimal transfer amount manually while creating a new wallet. Otherwise, a minimal transfer amount is set automatically after a new wallet is created. The value of the automatically set minimal transfer amount is valid for the moment of creation of a certain wallet. This value can be changed or deleted manually after the wallet is created.

  • Notification addresses — a comma-separated list of email addresses, to which notifications about new transactions and other operations with the wallet are sent.

  1. Click Save.

Note

When created, your new wallet is assigned the In progress status for several minutes. This is required for the wallet to be registered in the system. While in progress, the wallet cannot be used for any transfers.

To activate a wallet with ETH, XRP, XLM or BNB currencies, you should make a deposit to your wallet. The depositing address is available in the Wallet address field in the wallet settings. The deposited amount will be blocked, and your wallet will be assigned Active status. The depositing amount depends on the chosen currency and may vary.

For Merchant users

#merchant

  1. Navigate to Wallets > All wallets.

  2. Click New Wallet.

  3. Fill out the form:

  • Currency — required field: select the wallet currency from the list of available currencies. Mind that this value cannot be changed after the wallet is created.

  • Label — enter the name of the wallet. The label of the wallet is displayed in the list and is used for a quick search. This can be any name convenient for you.

  • Site URL — specify URL address of your company website.

  1. If needed, set the Advanced options:

  • Notification addresses — a comma-separated list of email addresses, to which notifications about new transactions and other operations with the wallet are sent.

  1. Click Save.

Note

When created, your new wallet will be assigned the In progress status for several minutes. This is required for the wallet to be registered in the system. While in progress, the wallet cannot be used for any transfers.

How to Grant Access to Your Wallet

#enterprise #merchant

  1. Navigate to Wallets.

  2. Select the wallet and navigate to the Settings of the selected wallet.

  3. Click Advanced options and navigate to the Access rights field.

  4. Type the user email in the Invite new user field.

  5. Click Invite to invite the user. The user will receive an email invitation with a link to activate an access to the wallet.

A new user is added by default with a Read only role that can be changed immediately.

Refer to Managing access for more details.

How to Restrict Access to Your Wallet

#enterprise #merchant

  1. Navigate to Control panel > Access list.

  2. Click user email.

Note

You can use filters to quickly find a user by user ID or email address. Also you can view users activity in your account by clicking the Sessions button: here you can view user’s email and the exact time and place of the login, as well as some information about user’s device, like IP address and OS.

  1. Select the wallet to which you want to restrict access for the user.

  2. Change user role in the Change rights drop-down list or delete the user from your wallet by clicking the Remove button (a user with the Owner role cannot be removed). Refer to User roles for more information about user roles.

By clicking the Log button you can view the list of operations with the wallet filtered by the user email.

How to Create a Custom Token

#enterprise

Note

The information below is intended for Enterprise users only.

B2BinPay charges no commission for processing of custom tokens, but you have to pay for every custom token on a monthly basis — on the 1st of each month the payment is debited from the selected wallet. In case of non-payment, the token processing stops. Custom tokens can be created on the following blockchains:

  • Ethereum

  • Binance Smart Сhain

  • Tron

To create a custom token, perform the following:

  1. Navigate to Control panel > Custom tokens.

  2. Click New custom token.

  3. Fill out the form:

  • Wallet — a wallet from which a monthly payment is debited (can be changed after the token is created).

  • Token type — token blockchain.

  • Contract — token ID in blockchain.

  • Alpha — alpha-code assigned to the custom token.

  1. Toggle the Is active switch to activate your custom token.

  2. Click Save.

To view the detailed information about the created custom token navigate to Control panel > Custom tokens and click the Details.

After your custom token is created, you can create a wallet nominated in the token.

How to Freeze and Unfreeze Funds on TRX Wallets

#enterprise

Note

The information below is intended for Enterprise users only.

You can freeze a certain amount of funds on your TRX wallet in order to restore Tron blockchain resources such as bandwidth points and energy. Freezing is possible for 72 hours. After the resources are restored, you can unfreeze the funds, they will be returned to your wallet in full.

  1. Navigate to Wallets.

  2. Select the wallet in TRX currency (use filtering by currency if needed) and navigate to its details by clicking the wallet’s ID.

  3. Open the Freeze funds drop-down list.

  4. In the Amount field, enter the amount of funds you want to freeze.

  5. In the Freezing for field, select the resource you want to restore — Bandwidth points or Energy. It is impossible to select both variants at the same time.

  6. CLick Freeze.

In the Your frozen funds section you can view the amount of your frozen funds for bandwidth points and for energy. You can also view the date and time you will be able to unfreeze your funds as well as the Unfreeze button that will become active in the mentioned time.

How to Create a Deposit

#enterprise

Note

The information below is intended for Enterprise users only.

  1. Navigate to Deposits.

  2. Click Create new deposit.

  3. Fill out the form:

  • Wallet — required field: select the wallet.

  1. If needed, set the Advanced options:

  • Label — the label of the deposit is displayed in the list and is used for a quick search and can be any name convenient for you.

  • Tracking ID — client-provided identifier to track the deposit in your system.

  • Address type — select address type. You can select the duplicate type, if you have two wallets, one of which is the clone of another. You can also clone the deposit, created on the original wallet, to the clone wallet. This is possible after your wallet has been duplicated. If you selected the duplicate option:

    • add the list of deposits you want to duplicate

    • change the standard request URL to the duplicating one

Note

You can duplicate the address only once, and only for ETH/BSC currencies.

  • Callback URL — URL to send notifications about new deposits. You can additionally specify templates in the URL callback. Templates can be useful for easier parsing of the callback body in your system (refer to API documentation for more details). In the final callback URL, templates are ​​automatically replaced by the corresponding values. The following templates are available:

    • #PID# — payment identifier

    • #TRID# — tracking identifier

    • #WID# — wallet identifier

    • #TXID# — blockchain transaction identifier

    • #CISO# — currency code as per ISO

    • #CUR# — currency ALPHA code

    • #DID# — deposit identifier

  • Required block confirmations for callback — set the required number of confirmations needed to receive an additional callback. If this field is not blank, two callbacks will be sent: upon receiving the number of confirmations specified here and upon receiving the number of confirmations specified in the system settings.

  1. Click Deposit.

Refer to Deposits for more details.

How to Create an Invoice

#merchant

Note

The information below is intended for Merchant users only.

  1. Navigate to Invoices.

  2. Click Create new invoice.

  3. Fill out the form:

  • Wallet — required field: select the wallet

  • Payment currency — select the payment currency or the Payer will choose currency by himself option — in this case the payment currency will be selected by the payer.

  1. If needed, set the Advanced options:

  • Label — the label of the invoice is displayed in the list and is used for a quick search and can be any name convenient for you.

  • Tracking ID — client-provided identifier to track the invoice in your system.

  • Callback URL — URL to send notifications about new invoices. You can additionally specify templates in the URL callback. Templates can be useful for easier parsing of the callback body in your system (refer to API documentation for more details). In the final callback URL, templates are ​​automatically replaced by the corresponding values. The following templates are available:

    • #PID# — payment identifier

    • #TRID# — tracking identifier

    • #WID# — wallet identifier

    • #TXID# — blockchain transaction identifier

    • #CISO# — currency code as per ISO

    • #CUR# — currency ALPHA code

    • #DID# — deposit identifier

  • Required block confirmations for callback — set the required number of confirmations needed to receive an additional callback. If this field is not blank, two callbacks will be sent: upon receiving the number of confirmations specified here and upon receiving the number of confirmations specified in the system settings.

  1. Click Deposit.

Refer to Invoices for more details.

How to Create a Payout

For Enterprise users

#enterprise

  1. Navigate to Payouts.

  2. Click Create new payout.

  3. Fill out the form:

  • Wallet — required field: select the wallet.

  • Amount — required field: enter the payout amount. You can also add all the amount from your wallet by toggling the All sum switch.

Note

If the All sum switch is selected, the payout amount in the field cannot be edited; the amount calculated as available wallet balance minus blockchain fee will be credited to the receiver’s account; your wallet will have zero balance after the payout. For such blockhains as ETH, BSC, TRX resulting balance may be above zero due to the floating blockchain fee value.

  • Fee included — if active, fee will be included in the specified amount, the remaining part will be credited to the receiver’s account. If inactive, fee will be additionally debited from the wallet. The Fee included switch is not available for tokens.

  • Address — required field: enter the destination address. You can save the entered address to your address book by selecting Save to address book option. Next time you can just pick it from the list by clicking From address book.

  • Fee modes — select the blockchain fee. Refer to How to Select the Optimal Blockchain Fee for available fee modes options.

  1. If needed, set the Advanced options:

  • Label — the label of the payout is displayed in the list and is used for a quick search and can be any name convenient for you.

  • Tracking ID — client-provided identifier to track the payment in the external system.

  • Callback URL — URL to send notifications about new deposits. You can additionally specify templates in the URL callback. Templates can be useful for easier parsing of the callback body in your system (refer to API documentation for more details). In the final callback URL, templates are ​​automatically replaced by the corresponding values. The following templates are available:

    • #PID# — payment identifier

    • #TRID# — tracking identifier

    • #WID# — wallet identifier

    • #TXID# — blockchain transaction identifier

    • #CISO# — currency code as per ISO

    • #CUR# — currency ALPHA code

    • #DID# — deposit identifier

  • Required block confirmations for callback — set the required number of confirmations needed to receive an additional callback. If this field is not blank, two callbacks will be sent: upon receiving the number of confirmations specified here and upon receiving the number of confirmations specified in the system settings

Note

When creating a payout for some currencies, additional Tag and Tag type fields appear on the form.

  1. Click Save.

After clicking Save, a confirmation window with the payout details appears. Check the information and click Yes to confirm your payout.

Refer to Payouts for more details.

For Merchant users

#merchant

  1. Navigate to Payouts.

  2. Click Create new payout.

  3. Fill out the form:

  • Wallet — required field: select the wallet.

  • Amount — required field: enter the payout amount, you can also add all the amount from your wallet by toggling the All sum switch.

Note

If the All sum switch is selected, the payout amount in the field cannot be edited; the amount calculated as available wallet balance minus blockchain fee will be credited to the receiver’s account; your wallet will have zero balance after the payout. For such blockhains as ETH, BSC, TRX resulting balance may be above zero due to the floating blockchain fee value.

  • Currency — required field: from the drop-down list, select the payout currency.

  • Fee included — if active, fee will be included in the specified amount, the remaining part will be credited to the receiver’s account. If inactive, fee will be additionally debited from the wallet.

  • Address — required field: enter the destination address. You can save the entered address to your address book by selecting Save to address book option. Next time you can just pick it from the list by clicking From address book.

  • Fee modes — select the blockchain fee. Refer to How to Select the Optimal Blockchain Fee for available fee modes options.

  1. If needed, set the Advanced options:

  • Label — the label of the payout is displayed in the list and is used for a quick search and can be any name convenient for you.

  • Tracking ID — client-provided identifier to track the payment in the external system.

  • Callback URL — URL to send notifications about new deposits. You can additionally specify templates in the URL callback. Templates can be useful for easier parsing of the callback body in your system (refer to API documentation for more details). In the final callback URL, templates are ​​automatically replaced by the corresponding values. The following templates are available:

    • #PID# — payment identifier

    • #TRID# — tracking identifier

    • #WID# — wallet identifier

    • #TXID# — blockchain transaction identifier

    • #CISO# — currency code as per ISO

    • #CUR# — currency ALPHA code

    • #DID# — deposit identifier

  • Required block confirmations for callback — set the required number of confirmations to receive an additional callback. If this field is not blank, two callbacks will be sent: upon receiving the number of confirmations specified here and upon receiving the number of confirmations specified in the system settings.

Note

When creating a payout for some currencies, additional Tag and Tag type fields appear on the form.

  1. Click Save.

After clicking Save, a confirmation window with the payout details appears. Check the information and click Yes to confirm your payout.

Refer to Payouts for more details.

How to Replace Your Payout by Fee

#enterprise

If the payout has stuck in the blockchain due to the low fee, it is possible to speed up its processing with the help of the Replace by fee option:

  1. Navigate to Transfers.

  2. Select the transfer you need to replace by fee (filter transfers by the Payout type if needed) and navigate to its details by clicking the transfer ID.

  3. Click the Replace button. If a transfer cannot be replaced, the button is not available.

  4. Select the fee and click OK.

How to Create a Bank Withdrawal

#merchant

Note

The information below is intended for Merchant users only.

To make a Bank Withdrawal you should provide your account manager with your bank account requisites. Bank withdrawals are available for fiat wallets only.

  1. Navigate to Payouts.

  2. Click Create a new bank withdrawal.

  3. Select the type of a bank withdrawal:

  • One-time withdrawal — a one-time withdrawal of the specified amount after the withdrawal creation.

  • Regular withdrawal when the amount is reached — scheduled withdrawal of funds.

  1. Fill out the form:

  • Requisite — type in the requisites of the bank account the funds will be credited to.

  • Wallet — select the wallet, from which you want to withdraw funds.

  • Amount — enter the amount to be withdrawn.

  • Amount to be withdrawn — withdrawal amount minus commission. Commission is calculated automatically depending on the withdrawal amount. It is displayed in percents or in the withdrawal currency right under the Amount to be withdrawn field.

If the bank withdrawal is a Regular withdrawal when the amount is reached, select the amount type:

  • Fixed amount — if the specified amount is less than the amount of funds on the wallet, the withdrawal is performed.

  • Changing amount — specify the following options:

    • Minimum non-reducible balance — minimum amount that should be left on the wallet after the withdrawal.

    • Minimum withdrawal amount — minimum amount that can be withdrawn.

  1. Click Save.

Refer to Payouts for more details.

How to Create an Exchange

For Enterprise users

#enterprise

Exchanges are available only for wallets with positive balance.

  1. Navigate to Exchanges.

  2. Click Create new exchange.

  3. Fill out the form:

  • Wallet (from) — select the debiting wallet.

  • Wallet (to) — select the crediting wallet.

  • Exchange rates — exchange rates are displayed after selecting the wallets. Rates have expiration time after which they will be updated.

  • Amount (from) — enter the amount in the currency of debiting. You can also add all the amount from your wallet by toggling the Select all funds for exchange switch.

  • Amount (to) — enter the amount in the currency of crediting.

Note

Since wallets with 0 balances cannot be selected for the exchange, they are displayed at the end of the wallets list when filling out the Amount (from) and Amount (to) fields.

You can leave either the Amount (from) or Amount (to) field blank — the value will be calculated automatically based on the rates.

The values in the Amount (from) and Amount (to) fields should be greater than or equal to the Minimal transfer amount set for receiver wallet (refer to Wallet settings for more details).

  1. Click Exchange.

After clicking Exchange, a confirmation window with the exchange details appears. Check the information and click Yes to confirm your exchange.

Note

Total amount (from) in confirmation form is given with blockchain fee included.

Refer to Exchanges for more details.

For Merchant users

#merchant

Exchanges are available only for wallets with positive balance.

  1. Navigate to Exchanges.

  2. Click Create new exchange.

  3. Fill out the form:

  • Wallet (from) — select the debiting wallet.

  • Wallet (to) — select the crediting wallet.

  • Exchange rates — exchange rates are displayed after selecting the wallets. Rates have expiration time after which they will be updated.

  • Amount (from) — enter the amount in the currency of debiting. You can also add all the amount from your wallet by toggling the Select all funds for exchange switch.

  • Amount (to) — enter the amount in the currency of crediting.

Note

Since wallets with 0 balances cannot be selected for the exchange, they are displayed at the end of the wallets list when filling out the Amount (from) and Amount (to) fields.

You can leave either the Amount (from) or Amount (to) field blank — the value will be calculated automatically based on the rates.

The values in the Amount (from) and Amount (to) fields should be greater than or equal to the Minimal transfer amount.

  1. Click Exchange.

After clicking Exchange, a confirmation window with the exchange details appears. Check the information and click Yes to confirm your exchange.

Refer to Exchanges for more details.

How to Select the Optimal Blockchain Fee

#enterprise #merchant

The speed of the transaction processing depends on the blockchain fee selected when creating a payout or an exchange: the lower the fee, the longer the transaction processing time. The following fee modes are available:

  • Low — economy mode when speed does not matter.

  • Medium — optimal processing speed for a reasonable fee.

  • High — priority transaction processing via high fees.

  • Custom — customized fee value: you can specify your own fee value but mind that your custom value cannot be two times lower than the Low value and three times higher than the High value.

Important

The blockchain fee can vary, therefore we suggest that you refer to the links containing blockchain gas fees in the table below for more precise information about fee values.

Blockchain

Links for reference

BNB Smart Chain

https://bscscan.com/gastracker

Ethereum

https://etherscan.io/gastracker