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FAQ

Frequently asked questions about Pelago.

General​

What is Pelago?​

Pelago is a Web3 payment gateway powered by PolyFlow, enabling merchants to accept cryptocurrency payments with low fees and instant settlement.

What networks does Pelago support?​

Currently: Stellar, Ethereum, and Polygon. Arbitrum and Solana coming soon.

What cryptocurrencies can I accept?​

USDC, USDT, and DAI on supported networks.

Integration​

How long does integration take?​

Most integrations can be completed in under an hour using our SDKs. E-commerce plugins (Shopify, WooCommerce) can be set up in minutes.

Do I need blockchain knowledge?​

No. Our API and SDKs abstract the blockchain complexity. You work with familiar concepts like payments and webhooks.

Is there a sandbox environment?​

Yes. Use test API keys (prefixed with test_) to test without real funds.

Fees & Settlement​

What are the fees?​

  • Batch settlement: 0.1%
  • Instant settlement: 0.5%
  • No monthly fees, no setup fees

How fast is settlement?​

  • Instant: < 1 minute
  • Batch: 15-30 minutes (default)
  • Scheduled: Daily/weekly

Do I need to hold cryptocurrency?​

No. Payments go directly to your wallet. You can use any compatible wallet.

Security​

Is Pelago safe?​

Yes. We use:

  • TLS 1.3 encryption
  • Smart contract audits (Trail of Bits, Certik, OpenZeppelin)
  • Multi-sig controls
  • Bug bounty program

How do refunds work?​

Refunds are initiated via API and processed on-chain. Funds return to the customer's original wallet.

Compliance​

Does Pelago require KYC?​

Basic transactions require no KYC. Higher limits require verification:

  • Level 1: Email + Phone ($1,000/day)
  • Level 2: ID Document ($10,000/day)
  • Level 3: Business KYC (Unlimited)

Is Pelago compliant?​

We maintain SOC 2 Type II, PCI DSS Level 1, and GDPR compliance.

Support​

How do I get help?​