NectarPay
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Wallet setup guide

NectarPay is non-custodial. You give us a public key — either an extended public key (xpub) for UTXO chains or a single receive address for account-based chains — and we derive payment addresses for each invoice. Your private keys never leave your wallet.

Never paste a private key, seed phrase, mnemonic, or "xprv".

An xpub starts with xpub / ypub / zpub. An xprv / yprv / zprv starts the same but the second letter is “prv” — those grant access to funds. If you see 12/24 words or a string starting with xprv, stop.

Two patterns, one job

UTXO chains — xpub

BTC, TXC, DOGE, ISK, ZCU. We use BIP32 to derive a fresh receive address per invoice from your extended public key.

You provide: xpub / ypub / zpub
Account chains — single address

ETH, Base, Tron, Solana. Every invoice goes to your one public address with a unique on-chain memo / reference / amount.

You provide: 0x… / T… / Sol address

Bitcoin (BTC)

xpub

Recommended format: zpub (native SegWit, bech32 bc1…)

  1. Sparrow Wallet (recommended desktop):
    1. Open your wallet → Settings tab → Script Type shows your derivation.
    2. Click Advanced → copy the Master Public Key. It will start with zpub, ypub, or xpub.
  2. Electrum: Wallet → Information → copy the Master Public Key.
  3. Ledger / Trezor: pair with Sparrow or use the vendor app's Show extended public key option — never the “export keystore.”
  4. BlueWallet (mobile): open the wallet → ⋯ menu → XPUB. Tap to reveal, then copy.
  5. Paste into NectarPay → Stores → Chains → Bitcoin → xpub.
NectarPay accepts all three formats (xpub / ypub / zpub) and derives the correct address type automatically. zpub gives the cheapest fees for your buyers; use it if your wallet supports it.

TEXITcoin (TXC)

xpub

Litecoin-derived. Use the TEXITcoin Core wallet or a Litecoin-compatible HD wallet.

  1. TEXITcoin Core:
    1. Open the wallet and unlock it.
    2. Use the console: Window → Console.
    3. Run listdescriptors and copy the descriptor's xpub portion (the long string between pkh( or wpkh( and the next /).
  2. HD wallet compatible: use SLIP-44 coin type 696969 and BIP32 version bytes 0x0488B21E (standard Bitcoin xpub). P2PKH addresses start with the letter matching prefix 0x42.
  3. Paste into NectarPay → Stores → Chains → TEXITcoin → xpub.

Ethereum (ETH + USDC/USDT)

single address

One address receives ETH and any ERC-20 stables you've enabled.

  1. MetaMask: click your account name at the top — the address (starts with 0x) copies to clipboard.
  2. Rabby / Frame / Trust: tap the account header to copy.
  3. Ledger / Trezor via MetaMask: connect, select the Ledger account, copy that address. Do not use a Ledger address that you also use as a sweep/cold-storage account — NectarPay will receive money there but you'll need to move it.
  4. Coinbase / exchange wallet: skip. Exchange deposit addresses can rotate or be deactivated and won't safely receive arbitrary payments. Use a self-custody wallet.
  5. Paste into NectarPay → Stores → Chains → Ethereum → Receive address.
Tip: create a dedicated MetaMask account just for NectarPay payouts so you can see incoming revenue cleanly and sweep on a schedule.

Base (USDC, ETH)

single address

Same address format as Ethereum — the chain ID is different.

  1. Any Ethereum wallet works on Base — the address is identical.
  2. In MetaMask, switch networks to Base (chain ID 8453) before testing — the wallet shows your Base balance separately even though the address is the same.
  3. For lowest fees on stablecoin payments, Base is usually our top pick. Recommend it to your buyers.
  4. Paste your 0x… address into NectarPay → Stores → Chains → Base → Receive address.

Tron (TRX + USDT-TRC20)

single address

Tron addresses start with capital T (e.g. T9yD…).

  1. TronLink (browser extension): click the account name to copy. Your address starts with T.
  2. Trust Wallet: open the Tron asset → tap Receive → copy.
  3. Ledger: install the Tron app, pair with TronLink, copy the address.
  4. Important — TRC20 vs ERC20: USDT on Tron is a different token contract than USDT on Ethereum. Make sure your wallet shows the TRC20 network when you copy the address.
  5. Paste into NectarPay → Stores → Chains → Tron → Receive address.
New Tron accounts may need to be "activated" with a small amount of TRX before receiving USDT-TRC20. Send yourself 1 TRX first if your wallet is brand new.

Solana (SOL + USDC)

single address

A 32–44 character base58 string. We match payments by an on-invoice memo.

  1. Phantom: tap your account name at the top — address copies.
  2. Solflare: same — tap the account header.
  3. Backpack: account dropdown → copy.
  4. Ledger via Phantom: connect, choose the Ledger Solana account, copy.
  5. Paste into NectarPay → Stores → Chains → Solana → Receive address.
NectarPay issues each invoice with a unique 8-character memo. Your wallet will show the memo on the incoming transaction so you can reconcile manually if needed — but our watcher does it for you.

Dogecoin (DOGE)

xpub

Legacy P2PKH only — addresses start with D.

  1. Dogecoin Core: Window → Console → run getdescriptorinfo "pkh([fingerprint/44h/3h/0h]xpub…/0/*)" or use Sparrow with Dogecoin support.
  2. BitKeep / Trust Wallet: export the receive xpub from settings if available; otherwise use a single static address (we'll reuse it for every invoice — works but reduces buyer privacy).
  3. SLIP-44 coin type: 3. Default address prefix: 0x1e.

Iskander (ISK)

xpub

Honest.Money ecosystem coin. Use the official Iskander wallet.

  1. Open the Iskander wallet → Settings → Advanced → Master Public Key.
  2. Copy the xpub (starts with xpub) — never the seed phrase.
  3. If you're running a self-hosted Iskander Core, use listdescriptors in the console.
  4. Paste into NectarPay → Stores → Chains → Iskander → xpub.

ZCU

xpub

Honest.Money ecosystem coin. Wallet flow mirrors Bitcoin Core.

  1. Open ZCU Core → Window → Console → listdescriptors.
  2. Copy the xpub portion of the receive descriptor (between pkh( and the next /).
  3. Paste into NectarPay → Stores → Chains → ZCU → xpub.

Before you go live

  1. Test with a tiny invoice first. Create a $1 invoice for each chain you've configured. Pay it from a separate wallet. Confirm the funds land in the wallet you actually own — not someone else's.
  2. For xpub chains: NectarPay will show you the next 3 derived addresses. Open your wallet and confirm those exact addresses appear in your receive tab. If they don't match, the xpub belongs to a different wallet.
  3. Bookmark your wallet. If you lose access to your wallet, you lose access to funds. NectarPay cannot recover anything — we never had it.
Still stuck?

Hit the main docs for the API + webhook reference, or join the discussion in the Honest.Money community . The maintainers hang out there.