ACH Checkout

Setup

1. Register a sandbox account or production account
   • Please let the Coinflow team know what your merchant id is on account creation
2. Create your API Key
3. Configure settlement location. Options include:

• To the in-app coinflow Wallet

Implement ACH Checkout

1. Generate a session key

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   curl --request GET \
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        --url https://api-sandbox.coinflow.cash/api/auth/session-key \
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        --header 'Authorization: YOUR_API_KEY' \
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        --header 'accept: application/json' \
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        --header 'x-coinflow-auth-user-id: payer123'

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   {
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     "key": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoicGF5ZXIxMjMiLCJtZXJjaGFudElkIjoidGVzdHRlc3QiLCJpYXQiOjE3NDc2NzI5MjQsImV4cCI6MTc0Nzc1OTMyNH0.TUpJbm1bf51opIBXnXQbP0uNZ_HF35droAw2bAOD0lw"
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   }
2. Have the payer add a bank account.

   📘 This endpoint requires you to show proof of a Bank Auth provider.

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   curl --request POST \
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        --url https://api-sandbox.coinflow.cash/api/customer/v2/bankAccount \
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        --header 'Authorization: YOUR_API_KEY' \
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        --header 'content-type: application/json' \
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        --header 'x-coinflow-auth-user-id: payer123' \
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        --data '
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   {
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     "type": "checking",
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     "email": "payer@gmail.com",
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     "alias": "My Checking Account 1",
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     "country": "US",
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     "routingNumber": "9999999999",
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     "firstName": "Dwayne",
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     "lastName": "Johnson",
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     "city": "Chicago",
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     "state": "IL",
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     "zip": "60601",
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     "account_number": "88888888",
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     "address1": "85 E Wacker St"
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   }
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   '
3. Display the total cost of the checkout purchase with our Get Totals endpoint.

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   curl --location 'https://api-sandbox.coinflow.cash/api/checkout/totals/YOUR_MERCHANT_ID' \
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   --header 'accept: application/json' \
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   --header 'content-type: application/json' \
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   --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoicGF5ZXIxMjMiLCJtZXJjaGFudElkIjoidGVzdHRlc3QiLCJpYXQiOjE3NDc2NzI5MjQsImV4cCI6MTc0Nzc1OTMyNH0.TUpJbm1bf51opIBXnXQbP0uNZ_HF35droAw2bAOD0lw' \
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   --data '
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   {
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     "subtotal": {
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       "cents": 200
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     }
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   }
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   '

   //Response
   {
       "card": {
           "subtotal": {
               "cents": 200
           },
           "creditCardFees": {
               "cents": 0
           },
           "chargebackProtectionFees": {
               "cents": 0
           },
           "gasFees": {
               "cents": 0
           },
           "total": {
               "cents": 200
           },
           "merchantPaidCreditCardFees": {
               "cents": 36
           },
           "merchantPaidGasFees": {
               "cents": 0
           },
           "merchantPaidChargebackProtectionFees": {
               "cents": 0
           }
       },
       "ach": {
           "subtotal": {
               "cents": 200
           },
           "creditCardFees": {
               "cents": 0
           },
           "chargebackProtectionFees": {
               "cents": 0
           },
           "gasFees": {
               "cents": 0
           },
           "total": {
               "cents": 200
           },
           "merchantPaidCreditCardFees": {
               "cents": 100
           },
           "merchantPaidGasFees": {
               "cents": 0
           },
           "merchantPaidChargebackProtectionFees": {
               "cents": 0
           }
       }
   }
4. Enable an ACH Checkout
   • Note: Call Get Customer endpoint to retrieve the customer’s latest tokenized credit card token: bankAccounts[0].token

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curl --request POST \
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     --url https://api-sandbox.coinflow.cash/api/checkout/ach/YOUR_MERCHANT_ID \
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     --header 'accept: application/json' \
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     --header 'content-type: application/json' \
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     --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoicGF5ZXIxMjMiLCJtZXJjaGFudElkIjoidGVzdHRlc3QiLCJpYXQiOjE3NDc2NzI5MjQsImV4cCI6MTc0Nzc1OTMyNH0.TUpJbm1bf51opIBXnXQbP0uNZ_HF35droAw2bAOD0lw' \
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     --data '
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{
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  "subtotal": {
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    "cents": 200
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  },
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  "token": "4584a921-4deb-4e4f-ac7f-b22bb90fc90f",
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  "settlementType": "USDC"
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}
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'

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{
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    "paymentId": "d1626325-f083-418e-adf8-9a1c0bc92c37"
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}

🚧 ACH Payments take T+3 Business days to settle.