Payments

Podium supports four payment methods. This page covers how each one works, the webhook events that drive them, and how creators get paid through Stripe Connect.

Payment Methods at a Glance

Method	Flow	Settlement	When to Use
Stripe	PaymentIntent → card → webhook confirms	Fiat (USD)	Consumer web/mobile apps
x402	HTTP 402 → signed USDC transfer → on-chain verify	USDC on Base	Agent-to-agent, autonomous
Embedded Wallet	Server-side USDC transfer → txHash submitted	USDC on Base	Automated checkout via Privy
Coinbase	Coinbase Commerce charge → webhook confirms	Multi-token	Crypto-native consumers

Stripe Payments

Payment Intent Flow

Creating a PaymentIntent

curl -X POST https://api.podium.build/api/v1/user/{userId}/order/{orderId}/checkout \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "points": 0 }'

import { createPodiumClient, ApiError } from '@podium-sdk/node-sdk';

const client = createPodiumClient({ apiKey: process.env.PODIUM_API_KEY });

const checkout = await client.userOrder.checkout({
  id: userId,
  orderId,
  requestBody: { points: 0 },
});

Response:

{
  "intentId": "pi_3abc123",
  "clientSecret": "pi_3abc123_secret_xyz",
  "status": "requires_payment_method",
  "amount": 2500
}

The amount reflects the order total minus any points discount, plus shipping fees. If a PaymentIntent already exists for this order and the points amount hasn’t changed, the existing intent is returned. If points changed, the old intent is cancelled and replaced.

Frontend Integration

Use the clientSecret with Stripe.js or Stripe Elements:

import { loadStripe } from "@stripe/stripe-js";

const stripe = await loadStripe("pk_live_...");

const { error } = await stripe.confirmCardPayment(clientSecret, {
  payment_method: {
    card: cardElement,
    billing_details: { name: "Jane Doe" },
  },
});

Shipping + Payment Amount Updates

When a shipping quote is requested, the shipping fee is added to the order and the Stripe PaymentIntent amount is updated automatically:

# This updates both the order shippingFee AND the Stripe PaymentIntent amount
curl -X POST https://api.podium.build/api/v1/order/{orderId}/shipping/quote \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "firstName": "Jane", "lastName": "Doe", "address": { ... } }'

Stripe Webhooks

Podium listens for these Stripe webhook events:

Endpoint	Stripe Event	What Happens
`/webhooks/stripe/payment-intent/succeeded`	`payment_intent.succeeded`	Order → `PAID`, stock decremented, confirmation email sent
`/webhooks/stripe/payment-intent/processing`	`payment_intent.processing`	Order → `PAYMENT_PENDING`
`/webhooks/stripe/payment-intent/payment-failed`	`payment_intent.payment_failed`	Order → `PAYMENT_FAILED`
`/webhooks/stripe/transfer/created`	`transfer.created`	Creator payout recorded
`/webhooks/stripe/account/updated`	`account.updated`	Connect account status updated

All webhook endpoints verify the Stripe signature before processing.

Stripe Connect (Creator Payouts)

Creators receive their share of each sale through Stripe Connect. The platform retains an application fee (STRIPE_PLATFORM_APPLICATION_FEE_BPS) on each transaction.

Onboarding a Creator

curl -X POST https://api.podium.build/api/v1/creator/id/{creatorId}/stripe/account \
  -H "Authorization: Bearer YOUR_API_KEY"

import { createPodiumClient, ApiError } from '@podium-sdk/node-sdk';

const client = createPodiumClient({ apiKey: process.env.PODIUM_API_KEY });

const account = await client.merchantStripe.createAccount({
  creatorId,
});

Creates a Stripe Connect account for the creator. Returns an account link URL for the creator to complete onboarding (identity verification, bank details).

Payout Flow

Payment Received

When a customer’s payment succeeds, Stripe holds the funds.

Application Fee Deducted

The platform fee (configurable in BPS) is automatically deducted.

Transfer to Creator

Stripe creates a transfer to the creator’s Connect account. The transfer.created webhook records this in Podium as a CreatorPayout.

Creator Payout

Funds are deposited to the creator’s bank account on Stripe’s standard payout schedule.

x402 Payments (USDC on Base)

Machine-native payments using the HTTP 402 protocol. Agents pay with USDC — no authentication, no card entry, no human interaction. See x402 Protocol Deep Dive for the full specification.

Payment Flow

curl -X POST https://api.podium.build/api/v1/x402/orders/{orderId}/pay

import { createPodiumClient, ApiError } from '@podium-sdk/node-sdk';

const client = createPodiumClient({ apiKey: process.env.PODIUM_API_KEY });

const payment = await client.x402.createOrderPay({ id: orderId });

Payment Requirements Response (402)

When called without an X-PAYMENT header:

{
  "x402Version": 1,
  "schemes": ["exact"],
  "network": "base",
  "payTo": "0x742d35Cc6634C0532925a3b844Bc9e7595f2bD1e",
  "maxAmountRequired": "25000000",
  "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
  "resource": "https://api.podium.build/api/v1/x402/orders/clx9order001/pay"
}

Field	Description
`payTo`	The organization’s x402 receiving address
`maxAmountRequired`	Amount in USDC atomic units (6 decimals, so `25000000` = $25.00)
`asset`	USDC contract address on Base
`network`	`base`

X402Payment Model

Field	Type	Description
`id`	integer	Auto-increment ID
`orderId`	string	Linked order (unique)
`txHash`	string?	On-chain transaction hash (unique)
`network`	string	Network (e.g., `base`)
`asset`	string	Token contract address
`amount`	string	USDC amount (string for precision)
`payTo`	string	Receiving address
`status`	enum	`PENDING` → `VERIFIED` → `SETTLED` or `FAILED`
`settlementData`	object?	Facilitator settlement metadata

Embedded Wallet Checkout

For automated crypto checkout using Privy server-managed wallets:

curl -X PATCH https://api.podium.build/api/v1/user/{userId}/order/{orderId}/checkout/embedded-wallet \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "txHash": "0xabc123...",
    "amount": "25.00",
    "email": "user@example.com",
    "shippingAddress": null,
    "walletAddress": "0x1234567890abcdef...",
    "chain": "BASE",
    "asset": "USDC"
  }'

How It Works

Your backend uses the Privy SDK to initiate a USDC transfer from the user’s embedded wallet
Wait for on-chain confirmation
Submit the txHash to this endpoint
Podium creates a CryptoPaymentIntent (status CONFIRMED), moves order to PAID, decrements stock
OrderConfirmationEvent fires if email is provided

Request Schema

Field	Type	Required	Description
`txHash`	string	Yes	On-chain transaction hash
`amount`	string	Yes	Payment amount
`email`	string	Yes	Notification email
`shippingAddress`	object?	No	Shipping address (nullable for digital goods)
`walletAddress`	string	Yes	Ethereum address (validated)
`chain`	enum	Yes	`BASE`
`asset`	enum	Yes	`USDC`

Coinbase Commerce

Multi-token crypto checkout via Coinbase Commerce:

curl -X PATCH https://api.podium.build/api/v1/user/{userId}/order/{orderId}/checkout/coinbase \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "callsId": "coinbase_charge_abc123",
    "amount": "25.00",
    "customer": {
      "email": "user@example.com",
      "physicalAddress": {
        "address1": "123 Main St",
        "address2": null,
        "city": "San Francisco",
        "state": "CA",
        "postalCode": "94102",
        "countryCode": "US",
        "name": {
          "firstName": "Jane",
          "familyName": "Doe"
        }
      }
    }
  }'

Creates a CoinbasePayment record (status PENDING), updates order to PAID, decrements stock, and sends confirmation.

Payment Models

Model	Purpose	Status Values
`StripePaymentIntent`	Links Stripe intents to orders	Stripe-managed (`requires_payment_method`, `succeeded`, etc.)
`X402Payment`	x402 protocol payment records	`PENDING` → `VERIFIED` → `SETTLED` / `FAILED`
`CryptoPaymentIntent`	Embedded wallet payments	`PENDING` → `CONFIRMED`
`CoinbasePayment`	Coinbase Commerce records	`PENDING` → `COMPLETED`
`StripeAccount`	Creator Stripe Connect accounts	Stripe-managed
`StripeCustomer`	User Stripe customer mappings	—
`CreatorPayout`	Transfer records for creator payouts	Created on `transfer.created` webhook

Endpoint Summary

Method	Path	Description
`POST`	`/user/{id}/order/{orderId}/checkout`	Stripe checkout (returns clientSecret)
`PATCH`	`/user/{id}/order/{orderId}/checkout/embedded-wallet`	Embedded wallet checkout
`PATCH`	`/user/{id}/order/{orderId}/checkout/coinbase`	Coinbase checkout
`POST`	`/x402/orders/{id}/pay`	x402 USDC payment
`POST`	`/guest/order/{id}/checkout`	Guest Stripe checkout
`PATCH`	`/guest/order/{id}/checkout/coinbase`	Guest Coinbase checkout
`POST`	`/creator/id/{creatorId}/stripe/account`	Create Stripe Connect account
`POST`	`/webhooks/stripe/payment-intent/succeeded`	Payment success webhook
`POST`	`/webhooks/stripe/payment-intent/processing`	Payment processing webhook
`POST`	`/webhooks/stripe/payment-intent/payment-failed`	Payment failure webhook
`POST`	`/webhooks/stripe/transfer/created`	Creator payout webhook
`POST`	`/webhooks/stripe/account/updated`	Connect account webhook

Overview

Intelligence & Agents

Commerce

Users & Engagement

Platform

Payment Methods at a Glance

Stripe Payments

Payment Intent Flow

Creating a PaymentIntent

Frontend Integration

Shipping + Payment Amount Updates

Stripe Webhooks

Stripe Connect (Creator Payouts)

Onboarding a Creator

Payout Flow

x402 Payments (USDC on Base)

Payment Flow

Payment Requirements Response (402)

X402Payment Model

Embedded Wallet Checkout

How It Works

Request Schema

Coinbase Commerce

Payment Models

Endpoint Summary

​Payment Methods at a Glance

​Stripe Payments

​Payment Intent Flow

​Creating a PaymentIntent

​Frontend Integration

​Shipping + Payment Amount Updates

​Stripe Webhooks

​Stripe Connect (Creator Payouts)

​Onboarding a Creator

​Payout Flow

​x402 Payments (USDC on Base)

​Payment Flow

​Payment Requirements Response (402)

​X402Payment Model

​Embedded Wallet Checkout

​How It Works

​Request Schema

​Coinbase Commerce

​Payment Models

​Endpoint Summary

Payment Methods at a Glance

Stripe Payments

Payment Intent Flow

Creating a PaymentIntent

Frontend Integration

Shipping + Payment Amount Updates

Stripe Webhooks

Stripe Connect (Creator Payouts)

Onboarding a Creator

Payout Flow

x402 Payments (USDC on Base)

Payment Flow

Payment Requirements Response (402)

X402Payment Model

Embedded Wallet Checkout

How It Works

Request Schema

Coinbase Commerce

Payment Models

Endpoint Summary