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Understanding and Using PayID

PayID Basics

What is PayID?

PayID is an open universal payment identifier that makes it easier for people to send and receive money in any currency across any payment network.

Who uses PayID?

Any business that sends and receives money can use PayID to give each of their customers a simple and human-readable ID that works across any payment network and makes payments easier with greater network reach. PayID is an open standard, so anyone can build implementations and extensions on top of PayID.See companies that use PayID

How is PayID compliant with international payment regulations?

Rather than prescribing a single solution, PayID is flexible and composable by design, which empowers transaction participants to implement their own policies. PayID provides a simple extension that helps businesses satisfy Travel Rule record-keeping required in jurisdictions globally, including both current FinCEN rules and FATF guidance, via native integration with the TRISA protocol. PayID can also be used to improve other compliance solutions for both users and services.Learn more about PayID and TRISA for Travel Rule

How can I get started with PayID?

PayID is open source and easy to set up with just a few lines of code. You can explore the documentation and GitHub repository.

Who developed this website?

The content on this website content was developed by Ripple, an early adopter of PayID, in collaboration with the Open Payments Coalition.

Development and Implementation

How do I implement PayID?

PayID is a free-to-use, fully open standard with an open source implementation. Any company can start using PayID by integrating a PayID server into their existing infrastructure using the reference implementation on GitHub. The RippleX Dev Kit is the easiest way to enable “send to PayID” on your app.

What tech is PayID built on?

PayID is a web-based protocol built on a simple HTTP API secured by the standard web security stack, including TLS.

How does PayID handle security?

PayID leverages tried-and-true security technologies that secure all internet services, including e-commerce and digital banking services. Additionally, PayID messages include cryptographic certificates and signatures that ensure participants in PayID transactions do not need to trust any counterparty.

How do I deploy a PayID server?

PayID is designed by devs for devs. You can deploy a PayID server with just a few commands with existing web infrastructure, and then integrate it into an application or account system in just a few lines of code.

Where can I learn more about building with PayID?

For other questions on PayID development and deployment, visit the docs page.

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