❓ Frequently Asked Questions
Find answers to the most commonly asked questions about integrating and using the Onmeta.
🚀 Integration & Setup
How much time does it take to integrate the widget?
It will take a maximum of 1 hour if you have a clear idea of how you want to execute and have the following basics covered:
- A functioning app
- List of tokens and blockchains to set up
How can we set up the list of tokens we want in our widget?
You can set up the list of tokens you want by using the "Token Selection" section in the "Config" tab of the Onmeta dashboard. If not configured, all tokens are enabled by default.
What is the chain ID of a blockchain?
Chain ID is a symbol that is passed over a network during a handshake and allows nodes not to connect to nodes of other networks. It's a unique identifier for each blockchain network.
Where can we find the chain ID of different networks?
You can find different chain IDs at chainlist.org.
Where do we find the API keys?
You can find the API keys in the Setup → API's Setup section of the Onmeta dashboard.
Do you provide a sandbox environment for testing?
Yes, we provide a staging environment to test the widget. You can access staging environment API keys by creating an account at stg.dashboard.onmeta.in. You can integrate the staging widget using our integration documentation.
How to initialize the widget with customer's wallet address for the Onramp flow?
You can initialize the widget with the customer's wallet address by passing an additional parameter called walletAddress with the end user's wallet address in the widget configuration.
Do our customers need to go through your login module?
No, you can customize this so that your users don't have to login. You can initialize the widget with the customer's email address by passing an additional parameter called userEmail with the user's email address in the widget configuration.
How to get onboarded on Onmeta?
Onboarding Steps:
- Test the integration in Sandbox Version via staging dashboard
- Register & Onboard: Submit KYB to get access to production API Keys
- Complete integration with production credentials
- Integration check call with Onmeta tech team if needed
- Go live immediately
What are the different types of integration that you provide?
We support Widget and API Integration.
How should clients choose between Widget and API Integration?
Clients looking to go to market quickly should integrate the widget as it takes a maximum of a couple of hours to complete. Clients with very specific needs that our widget doesn't support can opt for API integration. A large majority of our clients prefer the widget as it solves most use cases.
🛠️ Support & Assistance
Do you have integration support?
Yes, we support integration queries via Slack and Telegram group. You can also book Calendly meetings with our technical experts on short notice.
Do you have go-live tech support?
Yes, one of our technical experts verifies the integration done by clients for best practices and provides approval for going live. Our experts are also available for discussions and immediate help before going live.
How can customers reach out to you if there is a technical problem with their order?
We have a WhatsApp support bot through which customers can raise queries. The WhatsApp support bot can be accessed by clicking the hamburger menu in the top right corner of the widget. Users can also reach out directly via email at support@onmeta.in.
What is the fallback if user KYC doesn't go through?
You or the end user can email us at support@onmeta.in and we will help to get it completed.
🎨 Customization
Is the widget customizable? What options do you provide?
Our widget is highly customizable for your needs. Following are some of the customizations we provide:
- Onramp or Offramp or Both
- Choose to use the KYC in our widget or use your own KYC
- Customize the list of exact tokens you want
- Option to "whitelist" end-user emails so users don't go through OTP verification every time they login
- Option to initialize the widget with wallet address so customers don't need to type it
- Choose UPI or bank transfer option or both
Do our customers need to go through your KYC module?
Not mandatory. If you are collecting all necessary KYC data that Onmeta requires, you can pass it via our KYC upload API, which will skip the KYC step in the widget.
🔐 KYC & Compliance
Who is your KYC partner?
We currently use the KYC module of Decentro. We are happy to make an introduction if you want to integrate directly with them.
What are the KYC checks that you do?
For Indian Market: We verify PAN, Aadhaar, and perform face matching of selfie with the photo from customer's PAN, liveness check, and collect additional information like income, occupation, purpose, and source of funds.
Is your KYC real-time?
Yes, we support real-time KYC and it can typically be completed within a minute.
Is the user data safe with Onmeta?
Yes, we have incorporated industry-standard security measures to protect end user data.
How is the legal and compliance taken care of?
- KYC & AML checks are in place
- Onmeta solution includes user KYC; if clients want to do KYC themselves, they need to share that information with us
- Local taxes like TDS & GST in India are taken care of
- Internal and FIU-mandated RFIs are in place
Does KYC need to be done for all transactions?
Yes, for on-ramp and off-ramp transactions, regardless of the size, KYC is required.
Does the user need to do KYC for every transaction?
No, the KYC details are stored. If a user completes KYC once, they don't need to do it again.
Is there a daily transaction limit for users?
Yes, we have a ₹20,000 per day transaction limit with basic KYC. This can be increased by completing Enhanced Due Diligence (EDD) of the user.
💰 Pricing & Fees
How much is the gas fee? Are you customizing the gas fees for different blockchains?
Gas fee varies from chain to chain. It is calculated using a combination of gas price and gas units needed to process the transaction. We fetch live gas price and gas units to enable fast transactions on your behalf.
Does Onmeta deduct TDS from end users? If so, how much?
We deduct TDS only for off-ramp transactions. TDS is 1% based on the latest ruling by the Government of India.
How can a seller reconcile the TDS Onmeta deducted on their behalf?
We provide invoices for every off-ramp transaction made with Onmeta along with a yearly summary of transactions with our platform.
💳 Payment Methods
What payment methods are supported?
You can find the payment methods we support in different geographies by calling our Supported Currencies API.
Is credit card payment method supported for making onramp transactions?
We don't support any type of card payments for any currencies.
What are the payment methods supported in different geographies?
- India: NEFT, IMPS, UPI (Google Pay, PhonePe, Paytm and other UPI apps)
- Philippines: Grabpay, Gcash, Paymaya, QRPH & Instapay
- Indonesia: Qris, Dana, Ovo, Bank Transfer, BCA, BRI, ShopeePay
🔄 Transactions & Processing
What is UTR?
UTR means Unique Transaction Reference. This is a number that the remittance bank account issues for the fiat amount you transfer to us. It is typically present in the SMS confirmation that the bank sends for the transaction.
Do you allow the reuse of the same UTR for a new order?
We allow a user to place another order with the same UTR only if the order associated with that UTR is Cancelled. Typically, an order gets cancelled if the amount mentioned by the user in the widget is different from the amount transferred. We allow this so the user can use the genuinely transferred money to place a fresh order.
Where can users find UTR?
Unique Transaction Reference (UTR) is typically a 12-digit number for UPI transactions. This can be found in the SMS messages users receive from their UPI providers or in the payment history section of UPI apps.
What is Onmeta's average transaction processing time?
Average time to process an order is less than 1 minute. We may face certain delays from the blockchain in executing transactions during peak hours, but we are constantly evolving our product with best practices to provide the quickest possible transaction time.
What are the different payment states possible and their definitions?
- fiatPending: Yet to receive payment with that UTR
- fiatReceived: Fiat payment received, starting token movement
- orderReceived: Crypto transaction started
- transferred: Tokens are moved to the receiver wallet address
- completed: There is at least 1 block confirmation in the blockchain after transferred state
- expired: Order which was in fiatPending state for 3 hours will be moved to expired state
- cancelled: When order amounts don't match (paid amount for that UTR and the amount requested in the order don't match). Users can usually retry with the same UTR for a new order
- refundInitiated: When payment is received from invalid payment method (unverified UPI ID or Bank accounts), the order will be moved to refunding state
- refunded: Once we refund the amount back to the source account, it will move to this state
What are the different payment-related events in the widget? Where do I listen to these events?
We stream order success and failure events. You can listen to these events by using the callback functions that get called when the event is fired.
What is the minimum and maximum amount for each chain?
Call the Chain-wise Limits API to get chain-wise min-max limits.
🔧 Technical Details
How frequently does your quote get updated?
The quote gets updated every 15 seconds or when the user changes the input.
How many crypto tokens do you support?
We have the capability to support ~5,000 crypto tokens from decentralized exchanges (DEX) which support the blockchains where we are live.
How are you sourcing your crypto liquidity?
We have partnerships with top crypto exchanges and liquidity providers across India and the world. We find the best price for you for the crypto token of your choice using real-time prices across liquidity providers.
💬 Still Have Questions?
Can't find the answer you're looking for? Please reach out to our support team at support@onmeta.in or contact us via Slack or Telegram group for immediate assistance.