fractalpay

FractalPay AaaS — Python SDK for the post-quantum, AI-verified, multi-chain payment gateway as a service.

Stripe-shaped API. Nine blockchains (8 EVM + Stellar) native. Cryptographic VAID-1 attestation on every payment. 0.618% fee instead of 2.9% + 30¢.

Install

pip install fractalpay

Requires Python 3.9+. Only dependency is httpx.

Quickstart — receive a payment in 5 lines

from fractalpay import FractalPay

fp = FractalPay()  # base_url defaults to https://fractalai.net.co

intent = fp.intents.create(
    amount="100.00",
    currency="USDC",
    recipient_address="0xYourWalletOnBase",
    recipient_chain="base",
    description="Pro plan — monthly",
    callback_url="https://your-app.com/webhooks/fractalpay",
)

print(f"Send your customer to: {intent.web_url}")
# → https://fractalai.net.co/pay/{intent.id}

That's it. The customer lands on a hosted checkout page, pays in their wallet, your webhook fires when the payment is confirmed on-chain.

Why this exists

Verify an incoming webhook

from fractalpay import verify_webhook

@app.route("/webhooks/fractalpay", methods=["POST"])
def handle_webhook():
    event = verify_webhook(
        payload=request.get_data(),
        signature=request.headers["X-FractalPay-Signature"],
        secret=os.environ["FRACTALPAY_WEBHOOK_SECRET"],
    )
    if event.type == "payment.completed":
        # event.intent.id, event.intent.tx_hash, event.intent.payer_address
        fulfill_order(event.intent.metadata["order_id"])
    return "ok", 200

Query an intent

intent = fp.intents.retrieve("intent_abc123")
print(intent.status)
# 'created' | 'detecting' | 'confirming' | 'bridging' | 'completed' | 'expired' | 'failed' | 'refunded'

if intent.status == "completed":
    print(f"Settled: {intent.settled_amount} {intent.currency} on {intent.recipient_chain}")
    print(f"Payer: {intent.payer_address}")
    print(f"Tx hash: {intent.tx_hash}")

List intents

# All recent
for intent in fp.intents.list(limit=100):
    print(intent.id, intent.amount, intent.status)

# Only completed
for intent in fp.intents.list(status="completed", limit=50):
    print(intent.id, intent.completed_at)

Multi-chain payment routing

Your customer can pay from ANY of the 9 supported chains; FractalPay handles the routing and bridges to your settlement chain.

intent = fp.intents.create(
    amount="500.00",
    currency="USDC",
    recipient_address="0xMyBaseWallet",
    recipient_chain="base",       # I want USDC on Base
    # Customer can pay from: ethereum, polygon, arbitrum, stellar, etc.
)

# `intent.suggested_chains` lists the chains the customer can use.

Hosted vs. embedded checkout

Hosted (recommended): redirect the customer to intent.web_url. Zero frontend work, mobile-optimized, supports every wallet (MetaMask, Coinbase, Lobstr, hardware wallets, etc.).

Embedded: use the JS widget — see @fractalai/pay (TypeScript SDK) and /api/pay/widget endpoint.

Real-time updates (SSE)

for event in fp.intents.stream(intent.id):
    print(f"{event.timestamp}: {event.status}")
    if event.status in ("completed", "failed", "expired"):
        break

What's a payment intent?

Same concept as Stripe's PaymentIntent: a server-side object representing your intent to collect payment from a customer. It's created with an amount, currency, and recipient; it expires after a TTL (default 30 min); it tracks status through its lifecycle from created → detecting → confirming → completed.

The big difference: FractalPay's intent is multi-chain native (the customer chooses where to pay from) and HMAC-signed (the recipient address can't be tampered with in transit).

License

• This SDK: Apache-2.0 (see LICENSE)
• The FractalPay API and protocol: same license, plus open-source server implementation at github.com/johnInarti/FRACTAL-AI

Resources

• API reference
• VAID-1 spec (the attestation standard every payment carries)
• TypeScript SDK (coming)
• Issues (label fractalpay)