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This guide walks you through how to receive payments from third parties. By the end, you will be able to:
  • Generate a wallet address to receive funds
  • Assign dedicated addresses to payers or payment requests
  • Track incoming transfers in real time
  • Sweep deposits into a central treasury for reconciliation

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Prerequisites

  • A Crossmint server API key with the scopes wallets.create, wallets.read, wallets:transactions.create, wallets:transactions.sign
  • The Crossmint Wallets SDK installed
npm i @crossmint/wallets-sdk

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Step 1 — Choose a Collection Strategy

There are two common ways to receive payments:
  • Shared treasury address: Use a single wallet address for all incoming payments. This is the simplest approach but may require additional reconciliation work.
  • Dedicated deposit addresses: Create a unique wallet for each payer or payment request, then sweep funds into your treasury wallet via webhooks and internal transfers. This simplifies reconciliation by associating each address with a specific customer or invoice.

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Step 2 — Create a Receiving Wallet

Create a wallet to receive stablecoin payments:
  • For a shared treasury address, set up a company-owned wallet using the Treasury Wallets guide
  • For dedicated deposit addresses, create a wallet per payer using the Create Wallet guide

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Step 3 — Share the Payment Address

Provide the wallet address to the payer. Once the transaction settles on-chain, the funds become available in the receiving wallet.

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Step 4 — Listen for Incoming Payments with Webhooks

Once a payer sends stablecoins to the wallet address, Crossmint fires a wallets.transfer.in webhook event. Set up a webhook endpoint to receive these notifications in real time.
  1. Configure a webhook endpoint in the Crossmint Console by following the Add an Endpoint guide. Select the wallets.transfer.in event type.
  2. Verify the webhook signature to ensure the request is legitimate. See Verify Webhooks.
  3. Process the event in your handler. The payload includes the sender address, recipient address, token, amount, and on-chain transaction details: 
{
  "id": "whevnt_12324",
  "type": "wallets.transfer.in",
  "data": {
    "transferId": "660e8400-e29b-41d4-a716-446655440002",
    "sender": {
      "address": "0x1234567890123456789012345678901234567890",
      "chain": "base-sepolia",
      "locator": "base-sepolia:0x1234567890123456789012345678901234567890"
    },
    "recipient": {
      "address": "0x0987654321098765432109876543210987654321",
      "chain": "base-sepolia",
      "locator": "base-sepolia:0x0987654321098765432109876543210987654321",
      "owner": "email:customer@example.com"
    },
    "token": {
      "type": "fungible",
      "chain": "base-sepolia",
      "locator": "base-sepolia:0x036CbD53842c5426634e7929541eC2318f3dCF7e",
      "amount": "250.00",
      "rawAmount": "250000000",
      "contractAddress": "0x036CbD53842c5426634e7929541eC2318f3dCF7e",
      "decimals": 6,
      "symbol": "USDC"
    },
    "status": "succeeded",
    "completedAt": "2025-10-21T12:34:56.789Z",
    "onChain": {
      "txId": "0xabc123def456abc123def456abc123def456abc123def456abc123def456abc1",
      "explorerLink": "https://sepolia.basescan.org/tx/0xabc123def456abc123def456abc123def456abc123def456abc123def456abc1"
    }
  }
}
For the full webhook schema and best practices, see the Wallet Webhooks guide.

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(Optional) Step 5 — Sweep Deposits into Your Treasury

If you created dedicated deposit addresses, you may want to consolidate received funds into a single treasury wallet. To do this, transfer tokens from each deposit wallet to your treasury whenever a payment arrives. A common pattern is to trigger a sweep automatically from your webhook handler: when you receive a wallets.transfer.in event for a deposit wallet, initiate a transfer from that wallet to your treasury. 
import { CrossmintWallets, createCrossmint } from "@crossmint/wallets-sdk";

const crossmint = createCrossmint({
    apiKey: "YOUR_SERVER_API_KEY",
});

const crossmintWallets = CrossmintWallets.from(crossmint);

const depositWallet = await crossmintWallets.getWallet(
    "DEPOSIT_WALLET_ADDRESS",
    { chain: "base-sepolia" }
);

await depositWallet.useSigner({
    type: "server",
    secret: process.env.WALLET_SIGNER_SECRET!,
});

const { hash, explorerLink } = await depositWallet.send(
    "evm:smart:alias:treasury",
    "usdc",
    "250"
);
For more details on transferring tokens between wallets, see the Internal Transfers guide.

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Next Steps

Wallet Webhooks

Full schema and best practices for monitoring transfers

Check Balances

Query token balances across your wallets

Payouts

Send stablecoins to your customers

Internal Transfers

Move funds between your own treasury wallets