Clear your x402 payments through hcrb.in

Buyers pay your wallet directly. hcrb.in verifies each payment, submits it through a facilitator and signs a receipt. It never holds the funds and takes no share of them.

1. Get a key

Buy settlement credits. Your key starts with ck_live_. Checking a payment is free. A settlement uses one credit, and only after the transfer to your wallet is confirmed on chain. A payment that fails uses none.

Settlements	Price	After the first payment
500	£9 by card	One payment. Never tops up.	Get this pack
5,000	£39 by card	Tops up automatically. See below.	Get this pack
75,000	£399 by card	Tops up automatically. See below.	Get this pack
300	$1.00 in USDC on Base	One payment. Never tops up.	Get this pack

Automatic top-up. The £39 and £399 packs when paid by card. Not the £9 pack, not USDC, and not cards billed in INR. Your card is saved. When the balance falls to 500 credits or fewer it is charged £39, or the same amount in your billing currency, for 5,000 more credits. To turn it off: POST /v1/operator/auto-recharge?key=<your key>&enabled=false

2. Point your x402 server at the facilitator

Use https://api.code402.dev/facilitator as the facilitator URL and send your key with every call:

Authorization: Bearer ck_live_<key>

X-Facilitator-Key: ck_live_<key> works as well. Keep your own wallet as the payee in the 402 your API returns.

3. Verify, then settle

Both calls take the body a standard x402 server already sends to its facilitator:

{
  "x402Version": 2,
  "paymentPayload": {
    "x402Version": 2,
    "resource": {
      "url": "https://your-api.example/report",
      "mimeType": "application/json"
    },
    "accepted": {
      "scheme": "exact",
      "network": "eip155:8453",
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "amount": "25000",
      "payTo": "0xYourWallet",
      "maxTimeoutSeconds": 300,
      "extra": {
        "name": "USD Coin",
        "version": "2"
      }
    },
    "payload": {
      "signature": "0x<buyer signature>",
      "authorization": {
        "from": "0xBuyerWallet",
        "to": "0xYourWallet",
        "value": "25000",
        "validAfter": "0",
        "validBefore": "<unix seconds>",
        "nonce": "0x<32 bytes>"
      }
    }
  },
  "paymentRequirements": {
    "scheme": "exact",
    "network": "eip155:8453",
    "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
    "amount": "25000",
    "payTo": "0xYourWallet",
    "maxTimeoutSeconds": 300,
    "extra": {
      "name": "USD Coin",
      "version": "2"
    }
  }
}

POST /facilitator/verify answers:

{
  "isValid": true,
  "facilitated_third_party": true
}

POST /facilitator/settle answers:

{
  "success": true,
  "transaction": "0x<transaction hash>",
  "payTo": "0xYourWallet",
  "operator_credits_remaining": 299,
  "receipt_id": "<receipt id>",
  "verify_url": "<public link to the signed receipt>"
}

Endpoints

Call	Cost	What it does
`GET /facilitator/supported`	free	Networks and tokens the facilitator accepts
`POST /facilitator/verify`	free	Check a buyer's signed payment before you do the work
`POST /facilitator/settle`	1 credit on confirmed settlement	Submit the payment to your wallet
`GET /v1/exports/camt053?from=YYYY-MM-DD&to=YYYY-MM-DD`	free	XML statement of the settlements paid to your wallets. Your key sees only its own.
`GET /v1/operator/auto-recharge?key=<your key>`	free	Whether automatic top-up is on for your key. POST with enabled=false turns it off.

Errors

Status	Code	Meaning
422	`PAYEE_NOT_THIS_OPERATOR`	No seller key was sent for a payment to a wallet that is not ours.
402	`FACILITATOR_QUOTA_EXHAUSTED`	The key has no credits left.
402	`settlement failed`	The buyer's payment did not settle. No credit is used.
403	`OFAC_SANCTIONS_BLOCKED`	The payer or payee wallet matched the sanctions list. The screen is exact-match and is not a clearance.
403	`STATUTORY_COMPLIANCE_GATE_BLOCKED`	The check that runs before settlement refused the payment. Nothing was submitted and no credit is used.
422	`BELOW_CLEARINGHOUSE_PRICE_FLOOR_10000_ATOMIC`	The payment is below the minimum for seller payments, 0.001 USDC.
503	`RECEIPT_SIGNER_UNAVAILABLE`	The service cannot sign receipts at the moment. Nothing was submitted. Try again later.

What this is and is not

Supported: USDC on Base (eip155:8453). Other networks listed by /facilitator/supported have not been exercised in production.
hcrb.in does not hold funds, does not guarantee payment and is not a party to your sale.
A receipt records that a payment settled. It does not prove that your service was delivered or was of a given quality.
A payment that settles on chain is final. hcrb.in does not reverse payments and does not decide disputes between you and your buyer.