Checkout

⚙️ How Checkout Works

Learn about the different checkout flows that can be supported with Coinflow Checkout.

Overview

Coinflow Checkout is a flexible payment solution that enables merchants to accept multiple payment methods so that customers can:

  • Make a one-time direct purchase of a good or service.
  • Purchase store credit (Coinflow Credits) that can be only be used within the merchant’s platform.

Supported Payment Methods

Customers can pay using:

  • Credit & Debit Cards (Visa, Mastercard, Discover, American Express)
  • Bank Transfers (ACH, SEPA, UK Faster Payments, PIX)
  • Crypto Wallets (Stablecoins, Non-Stable Tokens)
  • Apple Pay & Google Pay

Making a One-Time Purchase

What is a One Time Purchase

Coinflow supports payers that want to make a one time direct purchase from you for a good or service. Payers can pay with any supported payment method, and we can send the funds directly to your settlement location as revenue.

How It Works

  1. Customer enters their credit card or bank information to complete a transaction.
  2. Coinflow authorizes the purchase through a payment processor and runs fraud checks.
  3. Coinflow sends funds to Merchant to settlement location and sends webhooks to Merchant.
  4. Merchant receives the settled payment and webhooks.
  5. User receives the good or service from the Merchant.

Demo of ACH Checkout for One-Time Purchases

The below video demonstrates how to complete a purchase on Coinflow’s checkout widget via ACH:

Demo of Card Checkout for One-Time Purchases

The below video demonstrates how to complete a purchase on Coinflow’s checkout widget via credit card:


Making a Purchase for Coinflow Credits

What Are Coinflow Credits?

Coinflow Credits are a way for your customers to pre-load money into a digital wallet and use it to pay only within your app. Think of it like a digital gift card that’s locked to your platform.

Instead of making one-time purchases every time, customers can buy credits in advance using traditional payment methods like cards or bank transfers. They can then use these credits over time to pay for goods or services in your app.

How It Works

  1. Buy Credits – A customer pays using any supported payment method. Coinflow gives them an equal amount of credits (1 credit = $1).
  2. Store Value – Credits are held in a digital wallet.
  3. Spend Anytime – Customers can use their credits at any time to make purchases on your platform.
  4. Get Paid – When a customer redeems credits, Coinflow translates the credits into real monetary value and deposits the funds into your merchant wallet as settlement for revenue.

Important Notes

  • Credits are not cash. They can’t be withdrawn or transferred elsewhere.
  • No expiration. Unused credits stay in the customer’s wallet until they’re used.
  • Only for your app. Credits can’t be spent on other platforms—they’re locked to your app.
  • Balance access. You can use Coinflow’s API to fetch the wallet balance whenever you need it.

Credits Flow of Funds

Demo of Card Checkout for Coinflow Credits

Watch a demo of how to purchase Coinflow credits using a credit card:

Test Out Coinflow Checkout Yourself!

📘 Try Coinflow Checkout with a Credit Card or ACH!

Try making a card or ach purchase on our demo app.

  1. Login with your email.
  2. Select what you’d like to purchase from the top left corner:
    • For a One-Time Purchase, select Buy NFT
    • For Credit Purchase, select Buy Credits
  3. Enter payment amount.
  4. Select payment method.
  5. Confirm your purchase.

Note: You won’t buy anything, but it is a simple showcase of Coinflow’s pre-built UIs and processing capabilities.

🚧 Rate limit for failed checkout attempts is 5 per 10 minutes!