Polaris Merchant App

A dashboard for merchants to accept crypto payments and manage their business.

Overview

The Polaris Merchant App provides an interface for businesses to integrate Polaris Pay and monitor their financial operations.

Key Features

  • Merchant Dashboard: Real-time sales data, transaction history, and pending payouts.
  • Payment Link Generation: Create shareable payment links for specific products or orders.
  • Settlement Management: Automated settlement of crypto payments into preferred stablecoins.
  • Product Management: Tools for adding, editing, and categorizing products for the shopper experience.

Merchant Settlement Logic

Polaris uses a sophisticated settlement layer to bridge crypto payments and business account needs:

  1. Payment Collection: The MerchantRouter.sol handles incoming customer payments.
  2. AMM Integration: If the payment asset (e.g., WETH) differs from the merchant's target settlement asset (e.g., USDC), Polaris automatically swaps it via the internal AMM pools.
  3. Credit Offsetting: If the merchant has an active credit line for business expenses, a portion of every sale can be automatically routed to repay the debt, interest-free.

Merchant Technical Detail

FeatureDescription
Merchant ScoreCalculated based on transaction volume, history, and dispute resolution via ScoreManager.sol.
Credit LimitMerchants can borrow up to their "Earned Limit," which grows as their business scales within the protocol.
Withdrawal DelayTo prevent fraud, some withdrawals may have a security delay of up to 12 hours depending on the risk score.

Deployment (Sepolia)

  • MerchantRouter: 0xCa924A3bC86b2EaBDc01a3617CA89c3CD383B19B Explorer

Getting Started as a Merchant

  1. Register: Create a merchant account via the app.
  2. API Key: Generate an API key for protocol integration.
  3. Integration: Add the Polaris Pay button or use the redirect URL.
  4. Accept Payments: Start receiving crypto directly into your wallet or preferred settlement asset.