Getting Started with Implementing Checkout

Getting Started with Coinflow Checkout Integration

Merchants implementing checkout / pay-ins should determine which payment methods you want to support, settlement location, how you will identify the payers.

Payment Methods

Credit Cards, Debit Cards, Apple Pay, Google Pay Payments

Coinflow supports various payment methods, including credit cards, debit cards, Apple Pay, and Google Pay. These payment methods are eligible for fraud protection coverage, including chargeback protection and 3D Secure (3DS). Coinflow recommends first testing payments without fraud protection tools enabled, then upon successful testing, test payments with chargeback protection and 3DS enabled.

For merchants enabling chargeback protection, ensure you:

• Add the chargeback protection script to every page of your site (not just the payment page).
• Pass chargeback protection parameters (e.g., chargebackProtectionData) to Coinflow.

Testing 3DS

To enable 3D Secure (3DS) for credit card transactions, merchants must pass the authentication3DS parameters when processing payments. If a friction challenge is required (e.g., a user must complete payment authentication), merchants must implement a 3DS challenge modal in their UI.

Note: If you’re using Coinflow’s checkout link or SDKs, no additional implementation is needed—our pre-built UI handles 3DS challenges automatically.

For testing 3DS functionality in the sandbox environment, be sure to use 3DS-enabled test card numbers.

ACH Payments

If you’re implementing ACH payments, you’ll need a bank authentication provider to allow payers to securely link their bank accounts. If you don’t have an existing bank authentication provider, you can use Coinflow’s UI for this process. Bank authentication is already included if you are implementing using Coinflow’s SDKs or Checkout link.

Crypto Payments

To enable crypto pay-ins, you must contact the Coinflow team. Note that crypto pay-ins are only available through Coinflow’s SDKs or Checkout link only. Crypto pay-ins are not supported via the API.

Settlement Locations

To begin integrating checkout with Coinflow, all merchants must first configure their settlement settings. This step is essential, as it ensures merchants can receive payments for successful transactions. Without configuring settlement settings, payment statuses will not reach the settled status, and Coinflow won’t be able to transfer funds for final settlement. Merchants must specify the settlementType when sending requests to Coinflow checkout. The correct settlement type depends on the location where the funds will be settled.

Regardless of which payment method the payer pays with, Coinflow will always instantly settle USDC either to:

1. Coinflow In-App Wallet
2. BYO (Bring Your Own) Merchant Wallet on Supported Chain
3. Solana Contract or EVM Contract

Identifying Payers

Creating Session Keys for Non-Crypto Native Users

Coinflow supports both crypto wallet users and those without crypto wallets. If your payers do not have a crypto wallet, you can create a session key using your customer identifier. This ID should be consistent with how you identify customers in your system.

Important: Session keys are valid for 24 hours. It’s the merchant’s responsibility to refresh the session key after it expires.

Creating Session Keys for Crypto Native Users

If your payers already have a crypto wallet, you can use the wallet address to uniquely identify the payer when interacting with Coinflow.

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// Example of how to generate a session key w/ a payers solana wallet address
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curl --request GET \
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     --url https://api-sandbox.coinflow.cash/api/auth/session-key \
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     --header 'Authorization: YOUR_API_KEY' \
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     --header 'accept: application/json' \
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     --header 'x-coinflow-auth-blockchain: solana' \
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     --header 'x-coinflow-auth-wallet: PAYERS_WALLET_ADDRESS'

// Example of how to generate a session key w/ a payers solana wallet address
curl --request GET \
     --url https://api-sandbox.coinflow.cash/api/auth/session-key \
     --header 'Authorization: YOUR_API_KEY' \
     --header 'accept: application/json' \
     --header 'x-coinflow-auth-blockchain: base' \
     --header 'x-coinflow-auth-wallet: PAYERS_EVM_WALLET_ADDRESS'

Payment Methods Implementation

Coinflow supports various payment methods, including credit cards, debit cards, Apple Pay, and Google Pay. These payment methods are eligible for fraud protection coverage, including chargeback protection and 3D Secure (3DS). Coinflow recommends first testing payments without fraud protection tools enabled, then upon successful testing, test payments with chargeback protection and 3DS enabled.

For merchants enabling chargeback protection, ensure you:

• Add the chargeback protection script to every page of your site (not just the payment page).
• Pass chargeback protection parameters (e.g., chargebackProtectionData) to Coinflow.

Testing 3DS

When testing 3DS functionality, use 3DS-specific card numbers in the sandbox environment.