How Checkout Works
An end-to-end look at how Coinflow Checkout collects payment from your customer, runs fraud and compliance checks, and settles funds to your destination of choice.
Coinflow Checkout is the pay-in side of the Coinflow platform. It accepts payment from your customers across every major rail — credit and debit cards, ACH and international bank transfers, Apple Pay, Google Pay, and wires — and delivers settled funds to your Coinflow Wallet or directly to your bank account. The same lifecycle applies to every payment method, so once you understand the flow you understand the whole product.
The Lifecycle of a Payment
Every Coinflow Checkout payment moves through the same five stages, regardless of payment method or implementation path.
Initiation
Your application launches a checkout session — either by embedding Coinflow’s hosted UI (SDK or iframe), redirecting the customer to a hosted Checkout Link, or calling the API directly from a custom UI.
Each session is bound to a signed set of parameters (amount, currency, payer, settlement destination) so the price and recipient cannot be tampered with on the client.
Payment Method Capture
The customer enters their card, bank, or wallet credentials. Sensitive data is captured inside a PCI-compliant iframe (for cards) or via an authenticated provider (for bank transfers), then exchanged for a single-use token.
Raw card numbers and bank credentials never touch your servers. Learn how tokenization works →
Authorization & Fraud Checks
Coinflow authorizes the payment with the underlying payment processor and runs real-time risk scoring in parallel.
- 3D Secure (3DS) authenticates the cardholder with their issuer when required.
- AVS validates the billing address against issuer records.
- Chargeback Protection scores the transaction and, for approved payments, guarantees coverage on the resulting chargeback.
Declines or fraud blocks return immediately to your integration with a structured error code.
Capture & Settlement
Approved payments are captured and routed to your Coinflow Wallet — a Coinflow-managed balance you can spend, pay out from, or automatically sweep to your bank account on a daily cadence.
Where Coinflow Fits in Your Stack
Coinflow Checkout slots into three layers of your application. You choose how much of each layer Coinflow owns versus what you build yourself.
Frontend — Collecting Payment
Coinflow offers three integration surfaces. They are interchangeable from your backend’s perspective — the same session and webhook flow applies to all three.
- Hosted Checkout Link — generate a URL and redirect the customer. Zero frontend code.
- SDK (Web, iOS, Android, Flutter, React Native) — embed Coinflow’s pre-built UI inside your app with full brand customization.
- API + Custom UI — build your own checkout form and call Coinflow’s API directly. Required for headless or fully bespoke flows.
Backend — Sessions, Webhooks, Fulfillment
Your backend is responsible for three things:
- Create a session key for the payer (typically once per user, refreshed every 24 hours).
- Sign checkout parameters so the client cannot modify price or recipient.
- Listen for webhooks to mark orders as paid, provision goods, or grant credits.
Everything else — authorization, fraud checks, settlement — is handled by Coinflow.
Settlement — Where Funds Land
Settlement is configured once on your merchant account and used as the default for every payment.
- Coinflow Wallet (default, recommended) — settled balance available for payouts, refunds, and operational spending.
- Daily bank sweep — Coinflow automatically pushes your Coinflow Wallet balance to your business bank account each day via ACH.
What Coinflow Handles For You
Card data is captured inside Coinflow’s PCI-compliant iframe and SDKs. Your servers never see raw card numbers, so you don’t need to undergo a PCI audit.
Real-time risk scoring on every transaction, with optional chargeback coverage that shifts liability away from you for approved payments.
A single integration unlocks cards, ACH, SEPA, UK Faster Payments, PIX, Apple Pay, Google Pay, and wires — without separate processor integrations.
Funds move into your Coinflow Wallet with full transaction history. Optional daily bank sweep delivers your balance straight to your business bank account.