> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hedgepayments.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Welcome to HedgePayments
> Modern payment infrastructure powering three revolutionary payment products
## The Future of Payments
HedgePayments is the infrastructure layer powering the next generation of payment solutions. We've built three distinct products that solve real problems in the payment space.
**Round-ups as a Service**
Transform spare change into meaningful contributions with automated round-up technology.
**The Best BNPL**
Buy now, pay later reimagined. Flexible payments without the predatory practices.
**As a Payment Method**
A complete digital wallet that works everywhere as a native payment option.
***
## Our Products
### SideBet — Round-ups as a Service
**Perfect for**: Fintech apps, investment platforms, savings apps, charitable giving platforms
SideBet is a white-label round-up platform that enables businesses to integrate spare change functionality into their applications. Every transaction becomes an opportunity for users to save, invest, or donate.
**Key Features:**
* Automatic round-up calculation on every transaction
* Configurable multipliers (1x, 2x, 3x, 5x)
* Batch ACH transfers at customizable thresholds
* White-label React components
* Real-time webhooks
```javascript JavaScript theme={null}
import { SideBet } from '@hedgepayments/sidebet';
const sidebet = new SideBet({ apiKey: 'your-key' });
// Enable round-ups for a user
await sidebet.roundups.enable(userId, {
multiplier: 2,
threshold: 5.00, // Transfer when $5 accumulated
destination: 'savings'
});
```
```python Python theme={null}
from hedgepayments import SideBet
sidebet = SideBet(api_key='your-key')
# Enable round-ups for a user
sidebet.roundups.enable(
user_id=user_id,
multiplier=2,
threshold=5.00,
destination='savings'
)
```
***
### CoverPay — The Best BNPL
**Perfect for**: E-commerce, marketplaces, P2P payment apps, subscription services
CoverPay is buy now, pay later done right. No hidden fees, no predatory interest rates, no credit score damage. Just flexible payments that work for everyone.
**What Makes CoverPay Different:**
* **Transparent pricing** — No hidden fees, ever
* **Soft credit checks** — Pre-qualification without impacting credit score
* **Flexible repayment** — Pay in 4, monthly plans, or custom schedules
* **Instant decisions** — Real-time approval in milliseconds
* **Responsible lending** — Built-in affordability checks
```javascript JavaScript theme={null}
import { CoverPay } from '@hedgepayments/coverpay';
const coverpay = new CoverPay({ apiKey: 'your-key' });
// Check if user qualifies
const qualification = await coverpay.prequalify({
userId: 'user-123',
amount: 150.00
});
if (qualification.approved) {
// Create a CoverPay payment
const payment = await coverpay.createPayment({
userId: 'user-123',
amount: 150.00,
plan: 'pay-in-4', // or 'monthly', 'custom'
merchantId: 'merchant-456'
});
}
```
```python Python theme={null}
from hedgepayments import CoverPay
coverpay = CoverPay(api_key='your-key')
# Check if user qualifies
qualification = coverpay.prequalify(
user_id='user-123',
amount=150.00
)
if qualification.approved:
# Create a CoverPay payment
payment = coverpay.create_payment(
user_id='user-123',
amount=150.00,
plan='pay-in-4',
merchant_id='merchant-456'
)
```
***
### Bankroll — As a Payment Method
**Perfect for**: Apps wanting to offer Bankroll as a checkout option alongside cards and wallets
Bankroll isn't just a wallet—it's a payment method. Integrate Bankroll as a first-class payment option in your checkout flow, giving users a seamless way to pay with their Bankroll balance.
**Why Offer Bankroll:**
* **Instant settlement** — No waiting for card networks
* **Lower fees** — Significantly cheaper than card processing
* **Built-in users** — Tap into the Bankroll user base
* **Virtual cards** — Powered by Stripe Issuing
* **P2P ready** — Send and receive between users
```javascript JavaScript theme={null}
import { Bankroll } from '@hedgepayments/bankroll';
const bankroll = new Bankroll({
apiKey: 'your-key',
merchantId: 'your-merchant-id'
});
// Check if user has Bankroll and sufficient balance
const eligibility = await bankroll.checkPaymentEligibility({
userId: 'user-123',
amount: 25.00
});
if (eligibility.canPay) {
// Process payment with Bankroll
const payment = await bankroll.processPayment({
userId: 'user-123',
amount: 25.00,
description: 'Order #12345'
});
}
```
```python Python theme={null}
from hedgepayments import Bankroll
bankroll = Bankroll(
api_key='your-key',
merchant_id='your-merchant-id'
)
# Check eligibility
eligibility = bankroll.check_payment_eligibility(
user_id='user-123',
amount=25.00
)
if eligibility.can_pay:
# Process payment
payment = bankroll.process_payment(
user_id='user-123',
amount=25.00,
description='Order #12345'
)
```
***
## Getting Started
Decide which HedgePayments product fits your use case—or use multiple together
Sign up at [dashboard.hedgepayments.com](https://dashboard.hedgepayments.com) and get your credentials
Follow our quickstart guides to integrate in minutes
Test in sandbox, then switch to production when ready
## Platform Architecture
```mermaid theme={null}
graph TD
A[Your Application] -->|API| B[HedgePayments Platform]
B --> C[SideBet Engine]
B --> D[CoverPay BNPL]
B --> E[Bankroll Wallet]
C --> F[ACH Providers]
D --> G[Underwriting]
E --> H[Stripe Issuing]
B --> I[Webhooks]
I --> A
```
## Why HedgePayments?
Integrate once with HedgePayments and unlock access to SideBet, CoverPay, and Bankroll. Mix and match based on your needs.
Clean APIs, comprehensive SDKs, detailed documentation, and a sandbox environment for testing. We speak your language.
PCI DSS Level 1 compliant, SOC 2 Type II certified, end-to-end encryption, and bank-grade security infrastructure.
WebSocket support for instant notifications. Know immediately when payments succeed, fail, or need attention.
## Quick Links
Start with round-ups in 5 minutes
Add BNPL to your checkout
Accept Bankroll payments
Explore all endpoints
## Support
Join our developer community
Get help from our team