Payment Methods

Nishvault supports Payoneer/card checkout paths, Payoneer payment-request fallback, and wallet or stablecoin reference flows for gated digital product fulfillment.

Payoneer Card Checkout

The preferred card-friendly path is Payoneer Checkout or Payoneer hosted payment page when official API credentials and webhook access are configured. In that mode, a provider confirmation can mark an order paid and trigger fulfillment automatically. Until that provider path is fully enabled, Payoneer Payment Request remains a B2B/manual fallback where the buyer submits a payment reference for matching.

BTC and Crypto Discount

Product pages show a BTC or crypto checkout price that is twenty percent lower than the base USD price. This discount reflects different settlement, chargeback, and refund handling. The lower price does not bypass fulfillment checks: the full product unlocks only after the payment/reference is matched to the order and product.

Manual Reference Fallback

If a payment provider does not offer an automatic webhook in the current setup, buyers can submit the product title, work email, and payment reference through the checkout form. Nishvault then matches the reference and issues the gated files through the configured fulfillment path.

What Is Never Public

API credentials, provider secrets, fulfillment signing keys, private admin tokens, and Telegram bot tokens are never written into static product pages. If public wallet display is intentionally enabled, only receiving addresses are shown; no private keys or signing material are ever part of the site output.

Order Matching

Every checkout request should include the product title and buyer email. When available, the order reference, Payoneer reference, wallet transaction hash, or provider confirmation is attached to the lead/order record. Paid delivery is based on matching those signals, not on a buyer simply clicking a button.

Card Payment Confidence

Product pages describe Payoneer/card checkout separately from manual Payoneer payment requests so buyers understand the difference. The site should not imply instant automatic card fulfillment unless Payoneer Checkout/API and webhook credentials are live.