What is SideBet?
SideBet is a B2B round-up-as-a-service API. Sportsbooks and gaming platforms like FanDuel, DraftKings, and Betr integrate SideBet to automatically round up consumer bets and sweep the spare change via ACH micro-debits. It turns every wager into a micro-savings event — consumers build balances effortlessly, and merchants drive engagement and retention.
How It Works
The integration flow is straightforward. Your platform sends bet data, and SideBet handles the rest:
Consumer places a bet
A $23.47 bet is placed on your sportsbook platform. Your backend sends the bet data to SideBet via a single API call.
Round-up calculated
SideBet calculates the round-up based on your configured strategy (e.g., $0.53 to the nearest dollar). Caps are enforced automatically.
ACH micro-debit initiated
The round-up amount is debited from the consumer's linked bank account via ACH. SideBet handles origination, retries, and error handling.
Funds settled to merchant
Funds settle to your merchant account in USDC (instant) or USD (3 business days). You receive webhooks as the payment moves through the pipeline.
Round-Up Calculator
Experiment with different strategies and amounts to see how round-ups are calculated.
Round-Up Calculator
Try different strategies and see the result in real time
Bet: $23.47 → Round-up: $0.53 → Total: $24.00
Daily maximum: $50.00 per consumer across all transactions
Round-Up Strategies
SideBet supports five configurable strategies. Each merchant selects a strategy that applies to all their consumers:
| Strategy | Description | Example ($23.47 bet) |
|---|---|---|
| nearest-dollar | Round up to the next whole dollar | $0.53 |
| nearest-5 | Round up to the next $5 increment | $1.53 |
| percentage | Add a percentage (1-10%) of the bet amount | $1.17 (at 5%) |
| fixed-amount | Add a fixed dollar amount per transaction | $1.00 (if fixed = 100) |
| dynamic | Multiply the natural round-up by a configurable factor | $1.59 (at 3x) |
Caps & Limits
Consumer protection is built in. Merchants configure caps to prevent excessive charges:
Per-Transaction Maximum
Maximum round-up for any single transaction. If the calculated round-up exceeds this value, it is capped. Default: $10.00. Configurable per merchant.
Daily Maximum
Maximum total round-ups per consumer per calendar day. Once hit, subsequent transactions are skipped. Default: $50.00. Configurable per merchant.
Daily cap behavior
When a consumer hits their daily cap, the API returns { "skipped": true } and no ACH debit is initiated. Your UI should handle this gracefully.
Settlement
| Type | Speed | Details |
|---|---|---|
| USDC | Instant | Settled to merchant's USDC wallet on-chain as soon as the ACH clears |
| USD | 3 business days | Standard ACH settlement to merchant's bank account |
ACH Transaction State Machine
Insufficient funds, invalid account
ACH return code received
Quick Integration
Initiate a round-up with a single API call. SideBet calculates the amount, debits the consumer, and settles to you:
curl -X POST https://api.hedgepayments.com/api/roundup/initiate \
-H #98C379]">"Authorization: Bearer YOUR_API_KEY" \
-H #98C379]">"Content-Type: application/json" \
-d '{
#98C379]">"betAmount": 2347,
#98C379]">"consumerId": "user_abc123",
#98C379]">"strategy": "nearest-dollar",
#98C379]">"merchantId": "merch_xyz789"
}'{
#98C379]">"id": "roundup_9f8e7d6c",
#98C379]">"roundUpCents": 53,
#98C379]">"betAmountCents": 2347,
#98C379]">"status": "pending",
#98C379]">"skipped": false,
#98C379]">"consumerId": "user_abc123",
#98C379]">"merchantId": "merch_xyz789"
}That's it.
One POST request per bet. SideBet handles the round-up calculation, ACH origination, retries, and settlement. You receive webhooks as the payment moves through the pipeline.