For wallets, exchanges and crypto apps

Let your users pay any phone number.

The @nomapay/phone-pay kit turns a phone number into a place to pay, from the network your user is already on. If the person isn't on Nomapay yet, the money waits for them.

Ask for access See the code

resolve()

buildPay()

Two calls. No addresses to type.

Resolve

resolve() turns a phone number into the place to pay on your user's network: the person's Nomapay account, or a vault for that number until they join.

Build the payment

buildPay() returns the calls in order, each fee, the least that arrives, an estimated time, and a one-line summary for your user.

Keep it private

Nothing reveals a name, a balance, or whether money is waiting. Show your user a masked number, never the account behind it.

A payment, in TypeScript.

Works with viem. The kit holds no keys: your user's wallet sends the calls. From an externally owned account, send them one by one; from a smart account, as one batch.

Money paid to a vault can be taken back after 7 days if nobody claims it. Set refundTo, or it defaults to the payer.
A network the kit can't pay directly comes back as unsupported, with a reason.

pay.ts

import { resolve, buildPay, refFrom } from '@nomapay/phone-pay'

// 1. Resolve: the number becomes a place to pay, on your user's network
const route = await resolve('+2348012345678', { region: 'NG', network: 'base' })
if (route.kind === 'unsupported') throw new Error(route.message)

// 2. Build the payment: ordered calls, fees, and the least that arrives
const plan = await buildPay({
  phone: '+2348012345678',
  region: 'NG',
  network: 'base',
  token: 'USDC',
  amount: 20_000_000n,            // $20.00 (6 decimals)
  ref: refFrom('order-1042'),     // your own id, emitted on payment
  payer: account.address,         // the address that sends the calls
})
if (plan.kind === 'unsupported') throw new Error(plan.message)

// 3. Show plan.summary, then send plan.calls in order (or as one batch)
for (const call of plan.calls) await walletClient.sendTransaction(call)

Which networks.

From the same live network list the app uses.

Paid directly by the kit

USDC on every one. USDT on Arbitrum, and on the others that carry it once the number has a Nomapay account.

Arbitrum
Ethereum
Base
Optimism
Polygon
Avalanche
Unichain
Linea
World Chain
Sonic
Ink
Mantle
Berachain
Sei
HyperEVM

Through the phone-pay service

For these, createPhonePayService returns where to pay. It needs an API key, so call it from your server, never from a browser or app.

Solana
Tron
BNB Chain

Get access.

The kit is in private preview ahead of launch. Write to us for the package, the API reference and sandbox, and an API key for the phone-pay service.

Email developers@nomapay.co

Paying from an exchange to your own Nomapay account instead? Receive from an exchange