Checkout Payment Methods

Meru Checkout supports two payment methods. Set paymentMethod when creating a session to force one, or omit it to let the customer choose.

Crypto exchanges & wallets
QR Bolivia

paymentMethod: "crypto-exchanges"The customer pays from an exchange or wallet they already use — Binance, Coinbase, MetaMask, and many others. Funds settle as USDC/USDT on Polygon to the merchant’s address. This method opens automatically when selected.

Set amountFiat — it is required for this method.
Use token to choose the stablecoin to receive (USDC or USDT, default USDC).
Once settled, the session exposes chain, token, and txHash.

cURL

curl -X POST https://checkout-api.meru.com/v1/checkouts \
  -H "Authorization: Bearer sk_live_<your-checkout-secret-key>" \
  -H "Content-Type: application/json" \
  -d '{
    "amountFiat": 50,
    "fiatCurrency": "USD",
    "paymentMethod": "crypto-exchanges",
    "token": "USDC",
    "reference": "order_123"
  }'

paymentMethod: "qr-bolivia"The customer pays in local currency (Bs/BOB) by scanning a QR with their bank app. The checkout page captures the amount (if not preset) plus the customer’s name, email, and document, then shows the QR, the local amount, and the USD→BOB rate.

amountFiat is optional — the QR form can capture it from the customer.
Once a QR is generated, the session’s qr object is populated with qrCode, qrPayload, localAmount, localCurrency, and rate.

cURL

curl -X POST https://checkout-api.meru.com/v1/checkouts \
  -H "Authorization: Bearer sk_live_<your-checkout-secret-key>" \
  -H "Content-Type: application/json" \
  -d '{
    "paymentMethod": "qr-bolivia",
    "fiatCurrency": "USD",
    "reference": "order_123"
  }'

Letting the customer choose

If you omit paymentMethod, the checkout shows a method chooser. Only the methods your account has enabled and configured appear, and the session’s availableMethods array reflects them.

Node.js

const res = await fetch("https://checkout-api.meru.com/v1/checkouts", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.MERU_CHECKOUT_SECRET_KEY}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    amountFiat: 50,
    fiatCurrency: "USD",
    reference: "order_123",
    // no paymentMethod -> customer chooses among availableMethods
  }),
});

const session = await res.json();
// session.availableMethods -> e.g. ["mesh", "qr_bolivia"]

The API accepts crypto-exchanges and qr-bolivia as input values. On the session object these are reported as mesh (crypto exchanges) and qr_bolivia respectively, and availableMethods uses those same values.

API Documentation

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Checkout Payment Methods

Letting the customer choose

​Letting the customer choose

Letting the customer choose