Build end-to-end payments with Turnkey and WalletConnect Pay

Developers can now build end-to-end payment flows with Turnkey and WalletConnect Pay.

For merchant and POS teams building on WalletConnect Pay, crypto payments need to feel simple for end users and reliable for businesses. Turnkey provides the wallet infrastructure that makes both possible.

WalletConnect Pay provides the crypto payment layer for merchants and payment service providers. Turnkey provides the embedded wallet infrastructure that lets users authenticate, create wallets, and sign payments securely.

Together, they give developers a practical path to build USDC payment flows where users can log in, scan a QR code, and pay while wallet creation and signing run securely behind the scenes.

What is WalletConnect Pay?

WalletConnect Pay is a unified crypto payment layer for payment service providers, merchants, and wallets.

It lets wallet users pay merchants with crypto by scanning a QR code or opening a payment link. For merchants and POS integrations, that means crypto payments can fit into a familiar checkout flow instead of requiring a custom wallet integration for every payment experience.

WalletConnect Pay handles core payment coordination, including payment discovery, transaction construction, gas sponsorship, and onchain broadcast. Wallets can plug into the protocol to give users a seamless payment experience at WalletConnect-compatible merchants.

For merchant and POS integrations already building on WalletConnect Pay, Turnkey provides the embedded wallet layer that powers the user-facing payment experience — handling authentication, wallet creation, and secure signing without the user ever leaving the checkout flow.

Where Turnkey’s embedded wallets fit into the payment flow

Turnkey handles the wallet infrastructure pieces that happen before a payment is submitted. That includes user authentication, wallet creation, and secure signing through a single endpoint. 

This separation keeps the integration clean. Turnkey secures the embedded wallet layer, while WalletConnect Pay coordinates the merchant payment experience and handles the rest of the transaction lifecycle.

For developers, all of this means less custom infrastructure to build. 

Instead of stitching together authentication, wallet provisioning, signing, transaction construction, gas handling, and merchant checkout logic from scratch, teams can use Turnkey and WalletConnect Pay together to support a complete crypto payment flow.

For users, the experience is simple: log in, scan, and pay.

The full Turnkey x WalletConnect Pay payment lifecycle

The payment flow starts with a user logging in. Many authentication methods are available that give users a familiar starting point and do not feel like traditional crypto onboarding.

Once the user is authenticated, Turnkey creates an embedded wallet for that user. This gives the application a secure wallet layer without forcing the user to manage seed phrases or leave the payment experience.

The user scans a WalletConnect Pay merchant QR code or opens a payment link, and WalletConnect Pay asks for user confirmation..

The user confirms the payment, and then Turnkey signs the transaction authorization from the user’s embedded wallet. In the demo flow, the user sends a USDC payment on Base to a WalletConnect merchant. WalletConnect Pay handles gas sponsorship and broadcast after the required signatures are submitted.

For the user, the flow feels like a normal payment experience. For the developer, Turnkey and WalletConnect Pay split the infrastructure responsibilities clearly, so the application can support secure crypto payments without rebuilding the entire payments stack.

Why this matters for merchant and POS developers

Merchant and POS developers building on WalletConnect Pay already have the payment coordination layer. Turnkey adds the secure wallet infrastructure underneath — user authentication, embedded wallet creation, and transaction signing — without exposing users to the complexity of traditional crypto onboarding. 

The combination makes it easier to support crypto payments without exposing users to the complexity underneath. 

For teams building payment experiences, this makes for a cleaner architecture. Wallet infrastructure sits with Turnkey. Payment coordination sits with WalletConnect Pay. The application can focus on the checkout experience, user flow, and merchant integration.

How to get started with WalletConnect Pay and Turnkey

WalletConnect Pay and Turnkey give developers a clear path to build crypto payment experiences that feel simple for users and practical for production teams.

The benefit for applications and users is a cleaner payment experience on both sides. If you're building a merchant or POS integration on WalletConnect Pay, Turnkey gives you the embedded wallet infrastructure to complete the stack.  

To learn more, explore the integration docs for WalletConnect Pay, and get started with Turnkey today. 

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