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  BIP: 70
  Layer: Applications
  Title: Payment Protocol
  Author: Gavin Andresen <>
          Mike Hearn <>
  Comments-Summary: No comments yet.
  Status: Final
  Type: Standards Track
  Created: 2013-07-29

Table of Contents


This BIP describes a protocol for communication between a merchant and their customer, enabling both a better customer experience and better security against man-in-the-middle attacks on the payment process.


The current, minimal Bitcoin payment protocol operates as follows:

  1. Customer adds items to an online shopping basket, and decides to pay using Bitcoin.
  2. Merchant generates a unique payment address, associates it with the customer's order, and asks the customer to pay.
  3. Customer copies the Bitcoin address from the merchant's web page and pastes it into whatever wallet they are using OR follows a bitcoin: link and their wallet is launched with the amount to be paid.
  4. Customer authorizes payment to the merchant's address and broadcasts the transaction through the Bitcoin p2p network.
  5. Merchant's server detects payment and after sufficient transaction confirmations considers the transaction final.
This BIP extends the above protocol to support several new features:

  1. Human-readable, secure payment destinations-- customers will be asked to authorize payment to "" instead of an inscrutable, 34-character bitcoin address.
  2. Secure proof of payment, which the customer can use in case of a dispute with the merchant.
  3. Resistance from man-in-the-middle attacks that replace a merchant's bitcoin address with an attacker's address before a transaction is authorized with a hardware wallet.
  4. Payment received messages, so the customer knows immediately that the merchant has received, and has processed (or is processing) their payment.
  5. Refund addresses, automatically given to the merchant by the customer's wallet software, so merchants do not have to contact customers before refunding overpayments or orders that cannot be fulfilled for some reason.


This BIP describes payment protocol messages encoded using Google's Protocol Buffers, authenticated using X.509 certificates, and communicated over http/https. Future BIPs might extend this payment protocol to other encodings, PKI systems, or transport protocols.

The payment protocol consists of three messages; PaymentRequest, Payment, and PaymentACK, and begins with the customer somehow indicating that they are ready to pay and the merchant's server responding with a PaymentRequest message:


The Protocol Buffers messages are defined in paymentrequest.proto.


Outputs are used in PaymentRequest messages to specify where a payment (or part of a payment) should be sent. They are also used in Payment messages to specify where a refund should be sent.

    message Output {
	optional uint64 amount = 1 [default = 0];
        optional bytes script = 2;
amount Number of satoshis (0.00000001 BTC) to be paid
script a "TxOut" script where payment should be sent. This will normally be one of the standard Bitcoin transaction scripts (e.g. pubkey OP_CHECKSIG). This is optional to enable future extensions to this protocol that derive Outputs from a master public key and the PaymentRequest data itself.


Payment requests are split into two messages to support future extensibility. The bulk of the information is contained in the PaymentDetails message. It is wrapped inside a PaymentRequest message, which contains meta-information about the merchant and a digital signature.

    message PaymentDetails {
        optional string network = 1 [default = "main"];
        repeated Output outputs = 2;
        required uint64 time = 3;
        optional uint64 expires = 4;
        optional string memo = 5;
        optional string payment_url = 6;
        optional bytes merchant_data = 7;
network either "main" for payments on the production Bitcoin network, or "test" for payments on test network. If a client receives a PaymentRequest for a network it does not support it must reject the request.
outputs one or more outputs where Bitcoins are to be sent. If the sum of outputs.amount is zero, the customer will be asked how much to pay, and the bitcoin client may choose any or all of the Outputs (if there are more than one) for payment. If the sum of outputs.amount is non-zero, then the customer will be asked to pay the sum, and the payment shall be split among the Outputs with non-zero amounts (if there are more than one; Outputs with zero amounts shall be ignored).
time Unix timestamp (seconds since 1-Jan-1970 UTC) when the PaymentRequest was created.
expires Unix timestamp (UTC) after which the PaymentRequest should be considered invalid.
memo UTF-8 encoded, plain-text (no formatting) note that should be displayed to the customer, explaining what this PaymentRequest is for.
payment_url Secure (usually https) location where a Payment message (see below) may be sent to obtain a PaymentACK.
merchant_data Arbitrary data that may be used by the merchant to identify the PaymentRequest. May be omitted if the merchant does not need to associate Payments with PaymentRequest or if they associate each PaymentRequest with a separate payment address.

The payment_url specified in the PaymentDetails should remain valid at least until the PaymentDetails expires (or as long as possible if the PaymentDetails does not expire). Note that this is irrespective of any state change in the underlying payment request; for example cancellation of an order should not invalidate the payment_url, as it is important that the merchant's server can record mis-payments in order to refund the payment.

A PaymentRequest is PaymentDetails optionally tied to a merchant's identity:

    message PaymentRequest {
        optional uint32 payment_details_version = 1 [default = 1];
        optional string pki_type = 2 [default = "none"];
        optional bytes pki_data = 3;
        required bytes serialized_payment_details = 4;
        optional bytes signature = 5;
payment_details_version See below for a discussion of versioning/upgrading.
pki_type public-key infrastructure (PKI) system being used to identify the merchant. All implementation should support "none", "x509+sha256" and "x509+sha1".
pki_data PKI-system data that identifies the merchant and can be used to create a digital signature. In the case of X.509 certificates, pki_data contains one or more X.509 certificates (see Certificates section below).
serialized_payment_details A protocol-buffer serialized PaymentDetails message.
signature digital signature over a hash of the protocol buffer serialized variation of the PaymentRequest message, with all serialized fields serialized in numerical order (all current protocol buffer implementations serialize fields in numerical order) and signed using the private key that corresponds to the public key in pki_data. Optional fields that are not set are not serialized (however, setting a field to its default value will cause it to be serialized and will affect the signature). Before serialization, the signature field must be set to an empty value so that the field is included in the signed PaymentRequest hash but contains no data.
When a Bitcoin wallet application receives a PaymentRequest, it must authorize payment by doing the following:

  1. Validate the merchant's identity and signature using the PKI system, if the pki_type is not "none".
  2. Validate that customer's system unix time (UTC) is before PaymentDetails.expires. If it is not, then the payment request must be rejected.
  3. Display the merchant's identity and ask the customer if they would like to submit payment (e.g. display the "Common Name" in the first X.509 certificate).
PaymentRequest messages larger than 50,000 bytes should be rejected by the wallet application, to mitigate denial-of-service attacks.


Payment messages are sent after the customer has authorized payment:

    message Payment {
        optional bytes merchant_data = 1;
        repeated bytes transactions = 2;
        repeated Output refund_to = 3;
        optional string memo = 4;
merchant_data copied from PaymentDetails.merchant_data. Merchants may use invoice numbers or any other data they require to match Payments to PaymentRequests. Note that malicious clients may modify the merchant_data, so should be authenticated in some way (for example, signed with a merchant-only key).
transactions One or more valid, signed Bitcoin transactions that fully pay the PaymentRequest
refund_to One or more outputs where the merchant may return funds, if necessary. The merchant may return funds using these outputs for up to 2 months after the time of the payment request. After that time has expired, parties must negotiate if returning of funds becomes necessary.
memo UTF-8 encoded, plain-text note from the customer to the merchant.
If the customer authorizes payment, then the Bitcoin client:

  1. Creates and signs one or more transactions that satisfy (pay in full) PaymentDetails.outputs
  2. Validate that customer's system unix time (UTC) is still before PaymentDetails.expires. If it is not, the payment should be cancelled.
  3. Broadcast the transactions on the Bitcoin p2p network.
  4. If PaymentDetails.payment_url is specified, POST a Payment message to that URL. The Payment message is serialized and sent as the body of the POST request.
Errors communicating with the payment_url server should be communicated to the user. In the scenario where the merchant's server receives multiple identical Payment messages for an individual PaymentRequest, it must acknowledge each. The second and further PaymentACK messages sent from the merchant's server may vary by memo field to indicate current state of the Payment (for example number of confirmations seen on the network). This is required in order to ensure that in case of a transport level failure during transmission, recovery is possible by the Bitcoin client re-sending the Payment message.

PaymentDetails.payment_url should be secure against man-in-the-middle attacks that might alter Payment.refund_to (if using HTTP, it must be TLS-protected).

Wallet software sending Payment messages via HTTP must set appropriate Content-Type and Accept headers, as specified in BIP 71:

Content-Type: application/bitcoin-payment
Accept: application/bitcoin-paymentack

When the merchant's server receives the Payment message, it must determine whether or not the transactions satisfy conditions of payment. If and only if they do, it should broadcast the transaction(s) on the Bitcoin p2p network.

Payment messages larger than 50,000 bytes should be rejected by the merchant's server, to mitigate denial-of-service attacks.


PaymentACK is the final message in the payment protocol; it is sent from the merchant's server to the bitcoin wallet in response to a Payment message:

    message PaymentACK {
        required Payment payment = 1;
        optional string memo = 2;
payment Copy of the Payment message that triggered this PaymentACK. Clients may ignore this if they implement another way of associating Payments with PaymentACKs.
memo UTF-8 encoded note that should be displayed to the customer giving the status of the transaction (e.g. "Payment of 1 BTC for eleven tribbles accepted for processing.")

PaymentACK messages larger than 60,000 bytes should be rejected by the wallet application, to mitigate denial-of-service attacks. This is larger than the limits on Payment and PaymentRequest messages as PaymentACK contains a full Payment message within it.


Merchants that support multiple languages should generate language-specific PaymentRequests, and either associate the language with the request or embed a language tag in the request's merchant_data. They should also generate a language-specific PaymentACK based on the original request.

For example: A greek-speaking customer browsing the Greek version of a merchant's website clicks on a "Αγορά τώρα" link, which generates a PaymentRequest with merchant_data set to "lang=el&basketId=11252". The customer pays, their bitcoin client sends a Payment message, and the merchant's website responds with PaymentACK.message "σας ευχαριστούμε".


The default PKI system is X.509 certificates (the same system used to authenticate web servers). The format of pki_data when pki_type is "x509+sha256" or "x509+sha1" is a protocol-buffer-encoded certificate chain:

    message X509Certificates {
        repeated bytes certificate = 1;
If pki_type is "x509+sha256", then the PaymentRequest message is hashed using the SHA256 algorithm to produce the message digest that is signed. If pki_type is "x509+sha1", then the SHA1 algorithm is used.

Each certificate is a DER [ITU.X690.1994] PKIX certificate value. The certificate containing the public key of the entity that digitally signed the PaymentRequest must be the first certificate. This MUST be followed by additional certificates, with each subsequent certificate being the one used to certify the previous one, up to (but not including) a trusted root authority. The trusted root authority MAY be included. The recipient must verify the certificate chain according to [RFC5280] and reject the PaymentRequest if any validation failure occurs.

Trusted root certificates may be obtained from the operating system; if validation is done on a device without an operating system, the Mozilla root store is recommended.


The protocol buffers serialization format is designed to be extensible. In particular, new, optional fields can be added to a message and will be ignored (but saved/re-transmitted) by old implementations.

PaymentDetails messages may be extended with new optional fields and still be considered "version 1." Old implementations will be able to validate signatures against PaymentRequests containing the new fields, but (obviously) will not be able to display whatever information is contained in the new, optional fields to the user.

If it becomes necessary at some point in the future for merchants to produce PaymentRequest messages that are accepted *only* by new implementations, they can do so by defining a new PaymentDetails message with version=2. Old implementations should let the user know that they need to upgrade their software when they get an up-version PaymentDetails message.

Implementations that need to extend messages in this specification shall use tags starting at 1000, and shall update the extensions page via pull-req to avoid conflicts with other extensions.


BIP 0071 : Payment Protocol mime types

BIP 0072 : Payment Protocol bitcoin: URI extensions

Public-Key Infrastructure (X.509) working group :

Protocol Buffers :

Reference implementation

Create Payment Request generator : (source)

BitcoinJ :

See Also

Javascript Object Signing and Encryption working group :

Wikipedia's page on Invoices: especially the list of Electronic Invoice standards

sipa's payment protocol proposal:

ThomasV's "Signed Aliases" proposal :

Homomorphic Payment Addresses and the Pay-to-Contract Protocol :