Merchants implementing checkout / pay-ins should determine which payment methods you want to support, settlement location, how you will identify the payers.
Choose the integration method that best fits your use case:
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Coinflow supports various payment methods, including credit cards, debit cards, Apple Pay, Google Pay, Wires, Bank Transfers. 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:
chargebackProtectionData) to Coinflow.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.
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.
To enable stablecoin pay-ins, contact the Coinflow team. Stablecoin pay-ins are available through Coinflow’s SDKs or Checkout link only. Stablecoin pay-ins are not supported via the API.
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.
Coinflow settles funds to your bank account or to a Coinflow Wallet:
Most integrations identify payers by your existing customer ID. Pass any consistent string you already use in your system to create a session key.
Important: Session keys are valid for 24 hours. It’s the merchant’s responsibility to refresh the session key after it expires.
If your payers already have a wallet, you can use the wallet address to uniquely identify the payer when interacting with Coinflow. Set the x-coinflow-auth-blockchain header to the chain your payers are on.