CheckoutPayment MethodsPayment MethodsACH

How To: Implement ACH Payments

Developers can implement ACH payments with Coinflow via checkout link, SDK, or API.

🏦 ACH Overview

ACH payments settle to your chosen settlement location (bank account or USDC).

Flow:

  1. Merchant submits transaction.
  2. User initiates ACH purchase.
  3. Coinflow processes ACH (≈3 business days).
  4. On completion, Coinflow settles to your configured settlement location.

Implementing ACH via SDK (React)

  1. Generate session key
$  curl -X GET https://api-sandbox.coinflow.cash/api/auth/session-key \
>    -H "Authorization: YOUR_API_KEY" \
>    -H "x-coinflow-auth-user-id: user123"
  1. Tokenize checkout parameters
$  curl -X POST https://api-sandbox.coinflow.cash/api/checkout/jwt-token \
>    -H "Authorization: YOUR_API_KEY" \
>    -H "Content-Type: application/json" \
>    -d '{
>          "subtotal": {"currency":"USD","cents":500},
>          "email":"user@gmail.com"
>        }'
  1. Implement <CoinflowPurchase> Component
  <CoinflowPurchase
    sessionKey="SESSION_KEY"
    merchantId="MERCHANT_ID"
    env="sandbox"
    subtotal={{cents:500, currency:Currency.USD}}
    email="user@email.com"
    jwtToken="CHECKOUT_JWT_TOKEN"
    onSuccess={(...args)=>console.log('Success', args)}
  />

Merchants settling to a contract may pass a transaction prop. See the advanced settlement docs for details.

Implementing ACH via API

  1. Tokenize payment data
$curl -X POST https://api-sandbox.coinflow.cash/api/checkout/jwt-token \
>  -H "Authorization: YOUR_API_KEY" \
>  -H "Content-Type: application/json" \
>  -d '{
>        "subtotal":{"currency":"USD","cents":500},
>        "email":"payer@gmail.com"
>      }'
  1. Get totals
$curl -X POST https://api-sandbox.coinflow.cash/api/checkout/totals/MERCHANT_ID \
>  -H "x-coinflow-auth-session-key: SESSION_KEY" \
>  -d '{
>        "subtotal":{"currency":"USD","cents":500},
>        "jwtToken":"CHECKOUT_JWT_TOKEN"
>      }'
  1. Add customer bank account
$curl -X POST https://api-sandbox.coinflow.cash/api/customer/v2/bankAccount \
>  -H "Authorization: YOUR_API_KEY" \
>  -H "x-coinflow-auth-user-id: user123" \
>  -d '{
>        "type":"checking",
>        "email":"payer@gmail.com",
>        "alias":"My Checking",
>        "routingNumber":"0123456789",
>        "account_number":"0987654321"
>      }'
  1. Get tokenized bank account
$curl -X GET https://api-sandbox.coinflow.cash/api/customer/v2 \
>  -H "x-coinflow-auth-session-key: SESSION_KEY"

5.Send ACH checkout

$curl -X POST https://api-sandbox.coinflow.cash/api/checkout/ach/MERCHANT_ID \
>  -H "x-coinflow-auth-session-key: SESSION_KEY" \
>  -d '{
>        "subtotal":{"cents":500},
>        "jwtToken":"CHECKOUT_JWT_TOKEN"
>      }'