# What is Fianto (/get-started/what-is-fianto)

Fianto is a hosted checkout for USDC on Solana. Your server creates a checkout session, the payer
opens Fianto's checkout page, and signs a transaction that sends the money straight to your
wallet.

## What Fianto does [#what-fianto-does]

* **Hosted checkout.** Fianto runs the payment page. Your server creates a session through the v1
  API and sends the payer to it.
* **One-time payments and subscriptions.** A session is either a single payment or a subscription
  that renews every 30 days or every 365 days.
* **Webhooks.** Fianto tells your server when an order is paid, when a subscription renews and more.
* **A dashboard.** You manage products and prices, see orders, payments and customers, and export
  them as CSV.
* **A payer portal.** Payers sign in with their wallet to see and cancel their subscriptions.

## What Fianto is not [#what-fianto-is-not]

* **Not a custodian.** In a one-time payment the payer signs one transaction that sends the price
  in USDC to your wallet, and any service fee to Fianto, in the same transaction. Fianto broadcasts
  that transaction; nothing is held in between.
* **Not multi-currency.** Fianto accepts only USDC.
* **Not usable before review.** Every account is reviewed first. You create an account, fill in your business profile, turn on
  two-factor sign-in and prove your wallet. An admin then reviews it. Until your account is
  approved, dashboard data, applications and products are refused with `merchant_not_approved`,
  and your API keys answer 401 `invalid_api_credentials`, so no checkout can be created.
* **No test mode.** There are no test keys and no sandbox. See
  [Developers](/developers) for how to test.
* **No refund API.** To refund a payer, send the USDC back from your own wallet.

> **Money:**
>
> The payer pays a service fee on top of your price, when the fee is above zero. It goes to
> Fianto's treasury in the same transaction. [How money moves](/get-started/how-money-moves)
> shows every transfer.

## Who uses Fianto [#who-uses-fianto]

- [Merchants](/merchants): Create your account, get approved and run your shop in the dashboard.

- [Developers](/developers): Create checkout sessions, receive webhooks and use the SDKs and CLI.

- [Payers](/payers): Pay with your Solana wallet and manage your subscriptions.

## See also [#see-also]

- [How money moves](/get-started/how-money-moves): What the payer signs and where each amount goes.

- [Do I need a developer?](/get-started/do-i-need-a-developer): What the dashboard does alone, and what needs code.

- [Quickstart](/get-started/quickstart): Take your first one-time payment.