Account Setup
Prerequisites every Coinflow integration depends on — sandbox merchant account, API keys, team access, settlement configuration, and (for Checkout) chargeback protection.
This page lists the foundational prerequisites that apply to every Coinflow integration. Complete these steps once before integrating any product. Each individual integration guide assumes these are done.
Foundational steps (every integration)
Create a sandbox merchant account
Register a new sandbox merchant account or log in to an existing one.
Create a sandbox API key
Generate your sandbox API key from the
API Keys page. You’ll
pass this in the Authorization header of every API request.
Invite your team
Add team members to your sandbox account so engineering, finance, and ops have the access they need.
Additional steps for Checkout integrations
If you’re integrating any Checkout products, complete these steps too:
Configure your settlement destination
From your merchant dashboard, choose where Coinflow delivers your collected revenue:
- Coinflow Wallet (recommended and easiest) for all merchant types.
Want automatic settlement to your bank account? Coinflow settles to your Coinflow Wallet first, then automatically sends your balance to your bank account each day. Learn how to set it up →
Advanced: settle to wallets or contracts you control
If you operate your own treasury infrastructure, Coinflow can settle directly to destinations you control. See the advanced settlement guides for details.
Add the chargeback protection script
Add the chargeback protection script to every page of your app. This is required for fraud detection and is a prerequisite for collecting payer events.
Additional steps for Payouts from the Coinflow Wallet
If you’re paying users out from your Coinflow Wallet balance, you’ll also need to:
Fund your Coinflow Wallet
Add funds to your Coinflow Wallet using the sandbox faucet. Contact support@coinflowlabs.app if you need assistance.
Authorization headers
Every Coinflow API request uses these headers. Most integration guides reference them. Bookmark this section for quick lookup: Authorization Headers:
Authorization— Your API key from the merchant dashboard.x-coinflow-auth-user-id— A unique customer ID from your own systems identifying the payer or payee.x-coinflow-auth-session-key— A JWT that authorizes the payer. Valid for 24 hours; refresh after expiry.
Making requests for a submerchant
If your account has submerchants, your API key can make requests on their behalf. Add the x-coinflow-submerchant-id header set to the submerchant’s merchant ID, and the request runs as that submerchant instead of your account. For marketplace sellers, the merchant ID is the sellerId you set when creating the seller.
- The header works on every endpoint that accepts your API key, even though most endpoint pages in the API reference don’t list it.
- The submerchant must be a child of your account, or a child of one of your submerchants. Otherwise the request fails with a
401. - The request is still authenticated with your API key, so your key’s IP restrictions and permissions apply, not the submerchant’s.
- Leave the header off for requests on your own account.
- Don’t send it to Create Submerchant. That endpoint rejects requests that include it with a
400.
For example, this fetches the account data for submerchant sellerAA:
What’s next
Once setup is complete, jump into the integration guide for your product:

