Step 7

Payments

Bill your tenants for the platform, and let each tenant bill their own end-users.

Two layers of payments

Fchat has two completely separate payment flows. Keep them straight:

Layer	Who pays whom	Configured at
Platform	Tenants pay you for their subscription / token packs.	Super Admin → Platform Gateways
Tenant	End users pay the tenant for channels, calls, broadcasts...	Tenant Admin → Payment Gateways

Supported gateways

All of these work for both layers:

Stripe - cards, Apple Pay, Google Pay. Best for US/EU.
PayPal - cards + PayPal balance.
CCBill - adult-friendly card processor.
Razorpay - India.
MercadoPago - Latin America.
Orange Money - West / Central Africa.
Skrill - global e-wallet.

Setup: Stripe (platform side)

Get your keys at dashboard.stripe.com/apikeys (secret sk_live_... and publishable pk_live_...).
In Super Admin, go to Platform Gateways → Stripe and paste both keys. Save.
Create a webhook endpoint in Stripe pointing at https://fchat.example.com/webhooks/platform-token-stripe.
Copy the webhook signing secret back into the gateway form.
Subscribe the webhook to at least checkout.session.completed.

Test mode vs live mode

A test-mode webhook endpoint cannot receive events fired by live keys (and vice versa). If you create checkout sessions with sk_test_ the webhook destination must also be in test mode.

Platform token packs

Instead of charging cards directly, tenants can buy "platform tokens" in bulk and spend them on plan upgrades or premium features. Configure packs at Super Admin → Token Packs.

Tenant gateways

Each tenant operator pastes their own gateway credentials inside their admin. Their end users then pay them directly - the money never touches your account. You only collect the platform subscription.

Platform commission

You can take a percentage of every tenant transaction (the "King Model"). Configure under Super Admin → Settings → Commission:

Phase A (Free) - 0% commission. Use to onboard early tenants.
Phase B (Operational) - 20-25% commission active.
Phase C (Activated) - same plus referral payouts.

Withdrawals

End users earning from their channels / calls request payouts from inside the tenant. The tenant operator approves and pays via their own bank rail. Fchat tracks every credit / debit in the wallet ledger; nothing is ever lost.

Wallet ledger is append-only

Adjustments create new compensating rows rather than editing existing ones. You can always reconstruct a balance at any point in time.