Frequently asked questions

Why did I check out through Fox Pay?

A shop you bought from uses Fox Pay to offer its connected payment providers. The seller and provider control the statement descriptor, so it may show the shop or provider rather than Fox Pay. If you do not recognise a charge, check your payments, contact the merchant, or write to [email protected] with the amount, date and last four digits. Never send a full card number or CVV.

Is my card stored here?

No full card number or CVV is stored here. You enter card details on the provider's own page. If you save a method, Fox Pay can retain a provider reference and a label such as brand and last four digits so you can recognize it; the provider keeps the payment credential.

How do I get a refund?

Ask the merchant you bought from: they decide refunds, and the money returns along the route it came. If they have agreed to refund you and nothing has arrived, tell us and we will check whether the instruction reached the provider.

What do the payment states mean?

• Requires payment method / pending — created, nothing taken.
• Action required — waiting for you at the provider (approval, 3-D Secure, or a crypto invoice waiting for confirmations).
• Authorized — a hold exists but no money has moved yet.
• Succeeded / captured — the money moved.
• Failed, canceled or expired — nothing was taken; a hold may take a few days to fall off your statement.

Which payment methods can I use?

Whatever the merchant has enabled: cards and wallets through Stripe Checkout, PayPal, Square, or a non-custodial crypto invoice. The options appear on the Fox Pay checkout page for that payment.

My crypto invoice is underpaid or late.

Crypto invoices settle when the network confirms the expected amount. If you sent less, sent after expiry, or the network was slow, the invoice will not settle on its own — contact the merchant with the transaction hash and they can resolve it.

I am a developer. How do I integrate?

Create a payment intent with your merchant key, send the payer to the hosted checkout URL it returns, and settle on the webhook rather than on the browser returning. The OpenAPI outline is at /api/v1/openapi.json. Verify our webhook signature, treat event ids as idempotency keys, and never trust a redirect as proof of payment.

Do you hold my money?

No. Fox Pay is not a custodian: funds move between you, the provider and the merchant. Crypto invoices are non-custodial too.

Is Fox Pay PCI compliant?

Fox Pay is designed so full card numbers and CVVs do not reach it; entry and credential storage stay on provider-owned surfaces. This reduces exposure, but Fox Pay does not claim PCI certification or that merchants have no PCI responsibilities. About describes the operating boundary.

Something is not working.

Check the status page first, then write to support with the payment reference and the time it happened.