CheckoutPayment MethodsPayment MethodsWires

How To: Implement Wire Payins

API Integration

Completing a First Time Wire Payment

  1. Initiate a US Wire Domestic Payments Checkout (for New Accounts only) In a real life scenario, the payer is expected to navigate to their banking app and send the wire payment to Coinflow using the details provided in the below response body. Once Coinflow receives the funds, we will settle the funds to your merchant settlement location. 
    curl --request POST \
         --url https://api-sandbox.coinflow.cash/api/checkout/wire \
         --header 'accept: application/json' \
         --header 'content-type: application/json' \
         --header 'x-coinflow-auth-session-key: YOUR_SESSION_KEY' \
         --data '
    {
      "subtotal": {
        "currency": "USD",
        "cents": 500
      },
      "data": {
        "account_number": "1111222233331111",
        "alias": "Wire Acct 1",
        "email": "myemail@gmail.com",
        "firstName": "Mike",
        "lastName": "Myers",
        "address1": "201 E Randolph St",
        "city": "Chicago",
        "state": "IL",
        "zip": "60601",
        "country": "US",
        "wireRoutingNumber": "021052367"
      },
      "settlementType": "USDC",
      "merchantId": "mymerchantid" //Replace with your merchant ID
    }
    '
    {
      "account_number": "86063057",
      "wireRoutingNumber": "071925444",
      "address": {
        "address1": "1 E Erie St",
        "city": "Chicago",
        "state": "IL",
        "zip": "60611",
        "country": "US"
      },
      "due": "2025-11-03T15:07:11.068Z",
      "paymentId": "/guides/checkout/payment-methods/payment-methods/wires/implement-wire-payments",
      "recipientName": "Coinflow Labs",
      "expires": "2025-11-03T15:07:11.068Z",
      "amount": {
        "cents": 700,
        "currency": "USD"
      }
    }
  2. Force Settle the payment (only Sandbox) In a real life scenario, the payer is expected to navigate to their banking app and send the wire payment to Coinflow per the instructions in step 2. In sandbox, we dont provide a sandbox env so you can simulate sending a wire by force settling the payment. 
    curl --request PUT \
         --url https://api-sandbox.coinflow.cash/api/merchant/payments//guides/checkout/payment-methods/payment-methods/wires/implement-wire-payments/settle \
         --header 'Authorization: YOUR_API_KEY' \
         --header 'accept: application/json'
  3. Get Payment by id 
    {
      "_id": "6904d09f311ec2b9569f678a",
      "paymentId": "/guides/checkout/payment-methods/payment-methods/wires/implement-wire-payments",
      "totals": {
        "subtotal": {
          "cents": 500,
          "currency": "USD"
        },
        "creditCardFees": {
          "cents": 200,
          "currency": "USD"
        },
        "chargebackProtectionFees": {
          "cents": 0,
          "currency": "USD"
        },
        "gasFees": {
          "cents": 0,
          "currency": "USD"
        },
        "fxFees": {
          "cents": 0,
          "currency": "USD"
        },
        "total": {
          "cents": 700,
          "currency": "USD"
        },
        "merchantPaidGasFees": {
          "cents": 0,
          "currency": "USD"
        }
      },
      "customer": "65e74467d7fd30773bdc531d",
      "merchant": "6840bca9c7cb21ee5baaae76",
      "chargebackProtectionDecision": "Not Enabled",
      "wireInfo": {
        "status": "SETTLED",
        "processor": "mock",
        "expiration": "2025-11-03T15:07:11.068Z",
        "token": "ca0c6762-22c1-4880-8be7-b3c35e00fe42"
      },
      "exchangeInfo": {
        "amount": {
          "subtotal": {
            "cents": 500,
            "currency": "USD"
          },
          "creditCardFees": {
            "cents": 200,
            "currency": "USD"
          },
          "chargebackProtectionFees": {
            "cents": 0,
            "currency": "USD"
          },
          "gasFees": {
            "cents": 0,
            "currency": "USD"
          },
          "fxFees": {
            "cents": 0,
            "currency": "USD"
          },
          "total": {
            "cents": 700,
            "currency": "USD"
          },
          "merchantPaidGasFees": {
            "cents": 0,
            "currency": "USD"
          }
        },
        "rate": 1,
        "base": {
          "cents": 500,
          "currency": "USD"
        }
      },
      "settlementType": "USDC",
      "createdAt": "2025-10-31T15:07:11.077Z",
      "updatedAt": "2025-10-31T15:11:00.888Z",
      "__v": 0,
      "signature": "xMTqnfZCm9qgYwkSquPBXvATWx5uGxaiQsBMT6mTTjBnqMMk16RrqCphN6nXPKjmoMFBaeTWNHVJoKbs4DYRv3m"
    }

Completing a Wire Payment for a Returning Customer

  1. Get Customer 
    curl --request GET \
         --url https://api-sandbox.coinflow.cash/api/customer/v2 \
         --header 'accept: application/json' \
         --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ3YWxsZXQiOiI5cnB2Mlc2cXlTaHdjd1RnWlhwaUZ1QzVrRkdZcHpoWXVnbXBLSzVMczRLdCIsImJsb2NrY2hhaW4iOiJzb2xhbmEiLCJtZXJjaGFudElkIjoibWVsbG8iLCJpYXQiOjE3NjE5MjM5NDksImV4cCI6MTc2MjAxMDM0OX0.dv6x4GHXfc46X6yYF7CN6WLyUvv7UPEflqXQDwATHpE'
    {
        "customer": {
            "_id": "65e74467d7fd30773bdc531d",
            "blockchain": "solana",
            "email": "myemail@gmail.com",
            "chargebackProtectionEnabled": false,
            "createdAt": "2024-03-05T16:12:23.356Z",
            "__v": 0,
            "merchant": "63c73b64fe798b3fdb56e3aa",
            "failedAttemptSetting": "Standard",
            "verificationSetting": "Enforced",
            "exempt3DS": false,
            "customerId": "9rpv2W6qyShwcwTgZXpiFuC5kFGYpzhYugmpKK5Ls4Kt",
            "availability": {
                "status": "Functional",
                "reason": "test",
                "editor": "tasha",
                "updatedAt": "2025-10-22T16:43:04.307Z"
            },
            "bankAccounts": [
                {
                    "alias": "Wire Acct 1",
                    "token": "ca0c6762-22c1-4880-8be7-b3c35e00fe42",
                    "wireRoutingNumber": "021052367",
                    "last4": "1111",
                    "accountHash": "2d9d0a5dd76cfa7c8b1aef66ff5e53ad6f6b8650",
                    "accountNumberOnlyHash": "cd8609cc4c2e0df35388452600bd16e08acda490",
                    "reference": "666886ad30fd8f1205e77841"
                }
            ]
        }
    }
  2. Initiate a US Wire Domestic Payments Checkout (Saved Account) In a real life scenario, the payer is expected to navigate to their banking app and send the wire payment to Coinflow using the details provided in the below response body. Once Coinflow receives the funds, we will settle the funds to your merchant settlement location. 
    curl --request POST \
         --url https://api-sandbox.coinflow.cash/api/checkout/wire/token \
         --header 'accept: application/json' \
         --header 'content-type: application/json' \
         --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ3YWxsZXQiOiI5cnB2Mlc2cXlTaHdjd1RnWlhwaUZ1QzVrRkdZcHpoWXVnbXBLSzVMczRLdCIsImJsb2NrY2hhaW4iOiJzb2xhbmEiLCJtZXJjaGFudElkIjoibWVsbG8iLCJpYXQiOjE3NjE5MjM5NDksImV4cCI6MTc2MjAxMDM0OX0.dv6x4GHXfc46X6yYF7CN6WLyUvv7UPEflqXQDwATHpE' \
         --data '
    {
      "subtotal": {
        "currency": "USD",
        "cents": 400
      },
      "settlementType": "USDC",
      "merchantId": "mello",
      "token": "ca0c6762-22c1-4880-8be7-b3c35e00fe42",
      "wireRoutingNumber": "021052367"
    }
    '
    {
      "account_number": "86063057",
      "wireRoutingNumber": "071925444",
      "address": {
        "address1": "1 E Erie St",
        "city": "Chicago",
        "state": "IL",
        "zip": "60611",
        "country": "US"
      },
      "due": "2025-11-03T15:21:08.081Z",
      "paymentId": "6cd87e63-000c-48ef-8673-5f05bcc5d651",
      "recipientName": "Coinflow Labs",
      "expires": "2025-11-03T15:21:08.081Z",
      "amount": {
        "cents": 600,
        "currency": "USD"
      }
    }
  3. Force Settle the payment (only Sandbox) In a real life scenario, the payer is expected to navigate to their banking app and send the wire payment to Coinflow per the instructions in step 2. In sandbox, we dont provide a sandbox env so you can simulate sending a wire by force settling the payment. 
    curl --request PUT \
         --url https://api-sandbox.coinflow.cash/api/merchant/payments/6cd87e63-000c-48ef-8673-5f05bcc5d651/settle \
         --header 'Authorization: YOUR_API_KEY' \
         --header 'accept: application/json'
  4. Get Payment by id 
    curl --request GET \
         --url https://api-sandbox.coinflow.cash/api/merchant/payments/6cd87e63-000c-48ef-8673-5f05bcc5d651 \
         --header 'Authorization: YOUR_API_KEY' \
         --header 'accept: application/json'
    {
      "_id": "6904d3e4311ec2b9569f6c83",
      "paymentId": "6cd87e63-000c-48ef-8673-5f05bcc5d651",
      "totals": {
        "subtotal": {
          "cents": 400,
          "currency": "USD"
        },
        "creditCardFees": {
          "cents": 200,
          "currency": "USD"
        },
        "chargebackProtectionFees": {
          "cents": 0,
          "currency": "USD"
        },
        "gasFees": {
          "cents": 0,
          "currency": "USD"
        },
        "fxFees": {
          "cents": 0,
          "currency": "USD"
        },
        "total": {
          "cents": 600,
          "currency": "USD"
        },
        "merchantPaidGasFees": {
          "cents": 0,
          "currency": "USD"
        }
      },
      "customer": "65e74467d7fd30773bdc531d",
      "merchant": "6840bca9c7cb21ee5baaae76",
      "chargebackProtectionDecision": "Not Enabled",
      "wireInfo": {
        "status": "SETTLED",
        "processor": "mock",
        "expiration": "2025-11-03T15:21:08.081Z",
        "token": "ca0c6762-22c1-4880-8be7-b3c35e00fe42"
      },
      "exchangeInfo": {
        "amount": {
          "subtotal": {
            "cents": 400,
            "currency": "USD"
          },
          "creditCardFees": {
            "cents": 200,
            "currency": "USD"
          },
          "chargebackProtectionFees": {
            "cents": 0,
            "currency": "USD"
          },
          "gasFees": {
            "cents": 0,
            "currency": "USD"
          },
          "fxFees": {
            "cents": 0,
            "currency": "USD"
          },
          "total": {
            "cents": 600,
            "currency": "USD"
          },
          "merchantPaidGasFees": {
            "cents": 0,
            "currency": "USD"
          }
        },
        "rate": 1,
        "base": {
          "cents": 400,
          "currency": "USD"
        }
      },
      "settlementType": "USDC",
      "createdAt": "2025-10-31T15:21:08.088Z",
      "updatedAt": "2025-10-31T15:22:35.357Z",
      "__v": 0,
      "signature": "2YDSVFKfCq4ZeCUiG935kKPwBUVNxgymxZ3UED94HhJ2emH55TMa24VfQwmB9oHSzJmUWMb5hX62gGB1BvigayfD"
    }

📘 Disclaimers about Wire Payments

  • Payment expires in 3 days.
  • Payers should be warned to not send the payment after the expiration time or they will be charged a return fee. This return fee cannot be reversed by Coinflow. The cost of return fees are outlined in your MSA.

UI Implementation

React / React Native Example

  1. Create the user’s session key
  2. Create JWT Token 
    curl --request POST \
         --url https://api-sandbox.coinflow.cash/api/checkout/jwt-token \
         --header 'Authorization: YOUR_API_KEY' \
         --header 'accept: application/json' \
         --header 'content-type: application/json' \
         --data '
    {
      "subtotal": {
        "currency": "USD",
        "cents": 200
      },
      "settlementType": "USDC"
    }
    '
  3. Implement CoinflowPurchase component 
    function App() {
      return (
        <div className="App" style={{height: "900px"}}>
          <CoinflowPurchase
            sessionKey={"eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ3YWxsZXQiOiI5cnB2Mlc2cXlTaHdjd1RnWlhwaUZ1QzVrRkdZcHpoWXVnbXBLSzVMczRLdCIsImJsb2NrY2hhaW4iOiJzb2xhbmEiLCJtZXJjaGFudElkIjoibWVsbG8iLCJpYXQiOjE3NjE5MjM5NDksImV4cCI6MTc2MjAxMDM0OX0.dv6x4GHXfc46X6yYF7CN6WLyUvv7UPEflqXQDwATHpE"}
            merchantId={"mello"}
            env={"sandbox"}
            jwtToken={"eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJkYXRhIjoi456C4oKW26LXguCpoOaYguuAhOyEiOOGgeC0kOSYgemvoeiYgOOFoOu4gueJkOCsnOmaouaUmOKAh-KsoM2PduGghO6Ak-yAg-iAl-OgqMKJ5pSV6JiI4aq4xrHiqYPklIris7nloZLktZ_iiLLCjOahpeaKl-GnluWhie6pgOSUkumpieWKsOC7gOCmhOiot-mVluWEoeOEp-yEoOSGp-yBg-iXg-iVpOKEieSOgu2Sp-qOg-eMpeaDsuWBheyHiuSEouWXg-WDgO-FoeWXheOGoeqDtuqts-iJguqNt-uLgO2Nt-SSouydoeKUsOmdlOqplOKLguWDs-eLguOYjeaZseq3gO-AoeqJk-eEgNeyXHUwMDAwIiwibWVyY2hhbnRJZCI6Im1lbGxvIiwiaWRlbXBvdGVuY3lLZXkiOiJJSzJlOTY5OWU0LWQ0MTktNDcxNC04MGQxLTRhNmY0MWNmYzBhNCIsInN1YnRvdGFsIjp7ImN1cnJlbmN5IjoiVVNEIiwiY2VudHMiOjUwMH0sImlhdCI6MTc2MTkyODg0OCwiZXhwIjoxNzYxOTMwNjQ4fQ.h0wJcxejGhTOk5B8L9tvq5kymmRzwbxoR95wD3Ss_rE"}
          />
        </div>
      );
    }
    export default App;
  1. Get Checkout link 
    curl --request POST \
         --url https://api-sandbox.coinflow.cash/api/checkout/link \
         --header 'Authorization: YOUR_API_KEY' \
         --header 'accept: application/json' \
         --header 'content-type: application/json' \
         --header 'x-coinflow-auth-user-id: user123' \
         --data '
    {
      "subtotal": {
        "currency": "USD",
        "cents": 200
      },
      "settlementType": "USDC"
    }
    '
    {
      "link": "https://sandbox.coinflow.cash/solana/purchase-v2/mello?sessionKey=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoidXNlcjEyMyIsIm1lcmNoYW50SWQiOiJtZWxsbyIsImlhdCI6MTc2MTkzMDEzMywiZXhwIjoxNzYyMDE2NTMzfQ.qfQCvvbUhwhzduMPGNrSRRPCOcVHNnRpLWlaSS27QRc&cents=200&currency=USD&useHeightChange=true&jwtToken=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJkYXRhIjoi456C4oKW26LXguCrgOaMgeGgg-iEquSEjOCngNmsya3piIjigKPDjMaw5YWA7rCB44eQ5rmk2aXnmbbmiIDjkKDUsN2g6ICT6IGPXHUwMDBlXFzQkMip6amP5aG06qCT6pyN6IiA4rK544Sl5qaB6bCky6Lml4fhio7oqazphrDqnrfVjNCH5puC6IaO6quX446x462p6Y-j5oeC4oCy5oCh7YOo6oWQ4K-i4omo44Cx6YCJ6Y2h64Oh6YCQ7qqZ66Cg44CjXHVkOTkx7YqU0LLrg6niiqDigapcdWRhN2HugLLtiaHurqbkl4DgpZDqhqDhgKHlj6DqhavvmrTqhpLmiaDgo5XjpKPmgIjihbjlgJDogILvpIAiLCJtZXJjaGFudElkIjoibWVsbG8iLCJpZGVtcG90ZW5jeUtleSI6IklLZDQ1MjBiOGItZjc5ZS00MDUxLWI2MjktNDIyMDEwODljYTZiIiwic3VidG90YWwiOnsiY3VycmVuY3kiOiJVU0QiLCJjZW50cyI6MjAwfSwiaWF0IjoxNzYxOTMwMTMzLCJleHAiOjE3NjE5MzE5MzN9.bF2RY44s6EutcrTazVnmLgmmXbZvfMNjAp7tmpZ5NX0"
    }
  2. Embed checkout link in iframe or webview
    React Example
    import React from "react";
    export default function App() {
      return (
        <div style={{ width: "100%", height: "100vh"}}>
          <iframe
            src="https://sandbox.coinflow.cash/solana/purchase-v2/mello?sessionKey=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoidXNlcjEyMyIsIm1lcmNoYW50SWQiOiJtZWxsbyIsImlhdCI6MTc2MTkzMDEzMywiZXhwIjoxNzYyMDE2NTMzfQ.qfQCvvbUhwhzduMPGNrSRRPCOcVHNnRpLWlaSS27QRc&cents=200&currency=USD&useHeightChange=true&jwtToken=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJkYXRhIjoi456C4oKW26LXguCrgOaMgeGgg-iEquSEjOCngNmsya3piIjigKPDjMaw5YWA7rCB44eQ5rmk2aXnmbbmiIDjkKDUsN2g6ICT6IGPXHUwMDBlXFzQkMip6amP5aG06qCT6pyN6IiA4rK544Sl5qaB6bCky6Lml4fhio7oqazphrDqnrfVjNCH5puC6IaO6quX446x462p6Y-j5oeC4oCy5oCh7YOo6oWQ4K-i4omo44Cx6YCJ6Y2h64Oh6YCQ7qqZ66Cg44CjXHVkOTkx7YqU0LLrg6niiqDigapcdWRhN2HugLLtiaHurqbkl4DgpZDqhqDhgKHlj6DqhavvmrTqhpLmiaDgo5XjpKPmgIjihbjlgJDogILvpIAiLCJtZXJjaGFudElkIjoibWVsbG8iLCJpZGVtcG90ZW5jeUtleSI6IklLZDQ1MjBiOGItZjc5ZS00MDUxLWI2MjktNDIyMDEwODljYTZiIiwic3VidG90YWwiOnsiY3VycmVuY3kiOiJVU0QiLCJjZW50cyI6MjAwfSwiaWF0IjoxNzYxOTMwMTMzLCJleHAiOjE3NjE5MzE5MzN9.bF2RY44s6EutcrTazVnmLgmmXbZvfMNjAp7tmpZ5NX0"
            allow="payment; fullscreen"
          />
        </div>
      );
    }
    React Native Example
    import React from "react";
    import { SafeAreaView, StyleSheet } from "react-native";
    import { WebView } from "react-native-webview";
    export default function CoinflowWebView() {
      return (
        <SafeAreaView style={styles.container}>
          <WebView
            source={{
              uri: "https://sandbox.coinflow.cash/solana/purchase-v2/mello?sessionKey=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoidXNlcjEyMyIsIm1lcmNoYW50SWQiOiJtZWxsbyIsImlhdCI6MTc2MTkzMDEzMywiZXhwIjoxNzYyMDE2NTMzfQ.qfQCvvbUhwhzduMPGNrSRRPCOcVHNnRpLWlaSS27QRc&cents=200&currency=USD&useHeightChange=true&jwtToken=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJkYXRhIjoi456C4oKW26LXguCrgOaMgeGgg-iEquSEjOCngNmsya3piIjigKPDjMaw5YWA7rCB44eQ5rmk2aXnmbbmiIDjkKDUsN2g6ICT6IGPXHUwMDBlXFzQkMip6amP5aG06qCT6pyN6IiA4rK544Sl5qaB6bCky6Lml4fhio7oqazphrDqnrfVjNCH5puC6IaO6quX446x462p6Y-j5oeC4oCy5oCh7YOo6oWQ4K-i4omo44Cx6YCJ6Y2h64Oh6YCQ7qqZ66Cg44CjXHVkOTkx7YqU0LLrg6niiqDigapcdWRhN2HugLLtiaHurqbkl4DgpZDqhqDhgKHlj6DqhavvmrTqhpLmiaDgo5XjpKPmgIjihbjlgJDogILvpIAiLCJtZXJjaGFudElkIjoibWVsbG8iLCJpZGVtcG90ZW5jeUtleSI6IklLZDQ1MjBiOGItZjc5ZS00MDUxLWI2MjktNDIyMDEwODljYTZiIiwic3VidG90YWwiOnsiY3VycmVuY3kiOiJVU0QiLCJjZW50cyI6MjAwfSwiaWF0IjoxNzYxOTMwMTMzLCJleHAiOjE3NjE5MzE5MzN9.bF2RY44s6EutcrTazVnmLgmmXbZvfMNjAp7tmpZ5NX0"
            }}
            style={{ flex: 1 }}
          />
        </SafeAreaView>
      );
    }
    const styles = StyleSheet.create({
      container: {
        flex: 1,
      },
    });