moonpay-commerce

MoonPay Commerce (formerly Helio)

• Name: MoonPay Commerce (formerly Helio)
• URL: https://www.hel.io/
• Category: crypto payments infrastructure / checkout and deposit control plane / subscription billing / wallet-to-wallet and fiat-assisted settlement
• Tags: ethereum-ecosystem solana-ecosystem bitcoin-ecosystem
• Summary: MoonPay Commerce is the merchant-facing checkout arm of MoonPay. The useful surface is not the button. It is the hosted and API-driven payment/deposit stack around merchant accounts, reusable deposit customers, signed webhooks, subscriptions, and KYB-gated fiat-assisted settlement.
• What it does:
  • Lets merchants create pay links, one-off charges, and embedded checkout flows for crypto payments
  • Supports deposit flows that generate reusable customer-specific deposit addresses across SVM, EVM, and Bitcoin networks
  • Offers subscription billing with renewal reminders, grace periods, webhook events, and charge-based renewals
  • Exposes headless payment APIs for end-to-end no-UI payment flows, currently documented for Solana
  • Provides dashboard and API management for wallets, transactions, webhooks, merchant accounts, and selected partner/platform use cases
  • Bridges merchant checkout with MoonPay’s broader fiat onramp stack through optional “Add Money” deposit flows and KYB-gated ramp integrations
• Key claims:
  • The homepage says merchants can “sell more with crypto” through seamless checkout and deposit solutions and get paid instantly in stablecoins
  • The docs index says MoonPay Commerce (formerly Helio) supports payments, deposits, and subscriptions across Solana, EVM chains such as Ethereum, Polygon, and Base, plus Bitcoin
  • The developer guide frames two core integration objects — Pay Links and Deposits — and explicitly positions deposits as suitable for gaming deposits, embedded wallets, and trading apps
  • The deposits docs show MoonPay Commerce creates depositCustomers with associated deposit addresses across SVM, EVM, and BTC networks, which is a stronger infrastructure signal than a simple hosted checkout
  • The webhooks docs describe scoped event delivery, 12 automatic retries, manual replay, bearer-token plus HMAC-SHA256 verification, and dashboard event logs, all of which point to an operational payments platform
  • The subscriptions docs show recurring billing logic, buyer renewal flows, anonymous webhook-only subscription options, and Discord membership integrations
  • The merchant-account API docs show MoonPay Commerce is also thinking about B2B platform embedding, though that access is partnership-gated rather than broadly self-serve
• Whitepaper: No canonical MoonPay Commerce or Helio whitepaper/litepaper surfaced in this pass. The clearest current source of truth is the official homepage plus the docs corpus on docs.hel.io, especially llms.txt, developer, deposits, subscriptions, headless-payments, platform, and webhook pages; see ../whitepapers/moonpay-commerce-primary-sources-2026-05-01.md.
• Sources:
  • https://www.hel.io/
  • https://docs.hel.io/llms.txt
  • https://docs.hel.io/docs/introduction.md
  • https://docs.hel.io/docs/for-developers.md
  • https://docs.hel.io/docs/deposits.md
  • https://docs.hel.io/docs/subscriptions.md
  • https://docs.hel.io/docs/headless-payments.md
  • https://docs.hel.io/docs/webhooks.md
  • https://docs.hel.io/reference/platform/overview.md

Internal linkages

• Parent stack: moonpay.
• Best payment-ops contrast: coinflow.

Control surface

• Practical authority sits in merchant-account issuance, deposit-customer creation, webhook policy, subscription state, supported chain and asset coverage, and the KYB-gated fiat-assisted paths MoonPay Commerce decides to expose.

• Read it as merchant checkout and deposit operations inside the MoonPay stack, not as a payment standard.

• Last reviewed: 2026-06-03 UTC