How To: Implement Pay-Ins on Marketplaces (API)

Registration

In Coinflow’s marketplace, each seller must have a seller account (to receive payments) and a withdrawer account (to withdraw funds).

Creating a Seller Session Key

Creating a session key is necessary to make client to server calls.

curl --location 'https://api-sandbox.coinflow.cash/api/auth/session-key' \
--header 'Authorization: YOUR_API_KEY' \
--header 'accept: application/json' \
--header 'x-coinflow-auth-blockchain: solana' \
--header 'x-coinflow-auth-wallet: CVrsREanmfBAeZH14PXrBzw4wF8Eh12PJDHYq2feoxUq'

{
    "key": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ3YWxsZXQiOiJDVnJzUkVhbm1mQkFlWkgxNFBYckJ6dzR3RjhFaDEyUEpESFlxMmZlb3hVcSIsImJsb2NrY2hhaW4iOiJzb2xhbmEiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTEyNjcsImV4cCI6MTc1MDc5NzY2N30.Wq1wTl9FXGNADnVdqUaS6sCo0uXLzj2NnfBYAnJr420"
}

Seller Registration

1. Create a Seller This endpoint creates a Seller in your registered marketplace.
   Request

   curl --location 'https://api-sandbox.coinflow.cash/api/seller' \
   --header 'accept: application/json' \
   --header 'content-type: application/json' \
   --data-raw '
   {
     "individual": true,
     "parentId": "tashamarket",
     "email": "tasha+sellerAA@coinflowlabs.app",
     "sellerId": "sellerAA",
     "country": "IT"
   }
   '

   Response

   {
       "verification": {
           "hash": "42516ab2-d49b-4659-8347-a2d2ed3ca66b",
           "vendor": "persona",
           "reference": "inq_8iTfTTaf1Bba1bdk6C291s8CVQjY",
           "status": "pending"
       },
       "verificationLink": "https://withpersona.com/verify?inquiry-id=inq_8iTfTTaf1Bba1bdk6C291s8CVQjY&redirect-uri=https://sandbox-merchant.coinflow.cash/seller/login",
       "redirectLink": "https://sandbox-merchant.coinflow.cash/seller/login"
   }

   Request - US Seller

   curl --request POST \
        --url https://api-sandbox.coinflow.cash/api/seller \
        --header 'accept: application/json' \
        --header 'content-type: application/json' \
        --data '
   {
     "business": true,
     "info": {
       "email": "tasha+usseller@coinflowlabs.app",
       "firstName": "tasha",
       "surName": "test",
       "physicalAddress": "201 e randolph st",
       "city": "chicago",
       "state": "il",
       "zip": "60601",
       "country": "US",
       "dob": "19900101",
       "ssn": "1234"
     },
     "individual": true,
     "parentId": "tashamarket",
     "email": "tasha+usseller@coinflowlabs.app",
     "sellerId": "usseller"
   }
   '

   Response- US Seller

   OK

2. Get Merchant Use this endpoint to reference the seller’s account data.
   Request

   curl --location 'https://api-sandbox.coinflow.cash/api/merchant/v2' \
   --header 'x-coinflow-submerchant-id: sellerAA' \
   --header 'Authorization: YOUR_API_KEY' \
   --header 'accept: application/json'

   Response

   {
       "merchant": {
           "colors": {
               "style": "rounded"
           },
           "wallets": {
               "solana": {
                   "feePayer": "242fc2874c4620a28ea14f06365baa51082faf001c16dc5f09d5fee23d526ef3ffa57c1c63c51aa8f284dd164becf35f53ac895aa5e013518a6db66440bea6a72df25c8a5ec07b2fcfab8b4ab06446b446047c02c50765ab544553bfec7c33c1",
                   "usdcPayer": "7b23db13a257d79c3459f02fbe517aee43fcc2311502dd29d2613c8467508644b7cd92be0cf0a5c0a4b31f2e0bf843ca6ecc8111e42460a9d52cd51d1a763f6c86cb716fd06c736e757b0df126640e007b70cee27fc2c263ab07d8beeb2750ff"
               },
               "evm": {
                   "feePayer": "5539472cf865b99f127138970382864dd837bdc8b8422fce553d4fe0968d0a6dba8c1b7c714398eba7a772268e6b516dbdd81256cc36edeac83e411d309878c4cce85206ad2e533700816454c6c31094",
                   "usdcPayer": "c703ca551658c043638bccf251c2ddd491bd23d3fc52a9fd11156e8bccf7a2aa5f1279187ef0060adbfc958b9bc4f8f1f0539529fd1058a91e44637a9aaf43e5109d92e8989d28290e099179ff14fa7b"
               }
           },
           "settlementAddresses": {
               "solana": "CVrsREanmfBAeZH14PXrBzw4wF8Eh12PJDHYq2feoxUq",
               "recipientAddresses": []
           },
           "cardSettings": {
               "processor": "mock",
               "applePayProcessor": "mock",
               "googlePayProcessor": "mock",
               "paysFees": false,
               "paysGasFees": false,
               "customerEmailNotifications": false,
               "merchantEmailNotifications": false,
               "supportsGooglePay": true,
               "supportsApplePay": true,
               "saveCardDefault": true,
               "ignoreProcessorLimit": false,
               "disable3DSOverride": true,
               "avsCheck": true,
               "threeDsChallengePreference": "NoPreference"
           },
           "achSettings": {
               "processor": "mock",
               "paysFees": false,
               "allowDelayedTransactions": false,
               "customerEmailNotifications": false,
               "merchantEmailNotifications": false,
               "instantSettle": false
           },
           "pixSettings": {
               "paysFees": false,
               "customerEmailNotifications": false,
               "merchantEmailNotifications": false
           },
           "ibanSettings": {
               "paysFees": false,
               "customerEmailNotifications": false,
               "merchantEmailNotifications": false
           },
           "cryptoPayinSettings": {
               "stables": {
                   "feeBps": 50,
                   "paysFees": false,
                   "enabled": true
               },
               "majors": {
                   "feeBps": 100,
                   "paysFees": false,
                   "enabled": true
               },
               "volatile": {
                   "feeBps": 600,
                   "paysFees": false,
                   "enabled": true
               },
               "enabled": false,
               "maxGasFeePayment": {
                   "cents": 0,
                   "currency": "USD"
               },
               "coinbaseDisabled": false
           },
           "nSureSettings": {
               "nSureFixedFee": {
                   "cents": 37
               },
               "nSureInsurance": false,
               "nSureAchInsurance": false,
               "enableOverrideReview": false,
               "overrideReviewHours": 24,
               "nSureVariableFeeBps": 100
           },
           "blockConfig": {
               "failedPaymentAttemptLimit": 3
           },
           "withdrawFeePayment": {
               "paysGasFees": {
                   "polygon": false,
                   "eth": false,
                   "base": false,
                   "arbitrum": false,
                   "solana": false
               },
               "paysWithdrawFees": false
           },
           "refundBalanceLimit": {
               "cents": 500000
           },
           "_id": "6859b7bb10763eff46a28187",
           "merchantId": "sellerAA",
           "verification": {
               "hash": "42516ab2-d49b-4659-8347-a2d2ed3ca66b",
               "vendor": "persona",
               "reference": "inq_8iTfTTaf1Bba1bdk6C291s8CVQjY",
               "status": "approved"
           },
           "withdrawFees": {
               "swapBps": 50,
               "user": {
                   "asap": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 200,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       }
                   },
                   "same_day": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       }
                   },
                   "standard": {
                       "fixed": {
                           "cents": 100,
                           "currency": "USD"
                       },
                       "variableBps": 0,
                       "minimum": {
                           "cents": 0,
                           "currency": "USD"
                       }
                   },
                   "card": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 200,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       }
                   },
                   "iban": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       }
                   },
                   "pix": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       }
                   },
                   "eft": {
                       "fixed": {
                           "cents": 100,
                           "currency": "USD"
                       },
                       "variableBps": 0,
                       "minimum": {
                           "cents": 0,
                           "currency": "USD"
                       }
                   }
               },
               "business": {
                   "asap": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 200,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       }
                   },
                   "same_day": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 100,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   },
                   "standard": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 50,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   },
                   "card": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 0,
                       "minimum": {
                           "cents": 0,
                           "currency": "USD"
                       }
                   },
                   "iban": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   },
                   "pix": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   },
                   "eft": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 50,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   }
               }
           },
           "customWithdrawFees": {
               "isBundled": false,
               "lineItemLabel": "Service Charge",
               "global": {
                   "coverProcessingFees": false,
                   "isFixed": true,
                   "currency": "USD",
                   "cents": 0,
                   "percent": null
               }
           },
           "apiKey": "afc1364e-0bac-4bf1-abbd-8b5b7de637e2",
           "apiKeys": [],
           "kycType": "both",
           "liquidityNotifications": [],
           "settlementToken": "USDC",
           "users": [
               {
                   "email": "tasha+sellerAA@coinflowlabs.app",
                   "scope": "seller",
                   "_id": "6859b7bb10763eff46a28188"
               }
           ],
           "ubos": [],
           "goLiveChecklist": {
               "programWhitelistRequests": []
           },
           "hideBranding": false,
           "onlyShowTotal": false,
           "skipSendWithdrawEmail": false,
           "pushToCardEnabled": true,
           "requireAniCheck": false,
           "bankPayoutProvider": [
               "aptpay"
           ],
           "rtpPayoutProvider": "dwolla",
           "parent": "6849d9a8407a105f5c5dc1fc",
           "creditSeed": "tashamarket",
           "withdrawSettlementLocation": "circle",
           "enforceJwt": true,
           "enforceCheckoutJwt": false,
           "metakeepAppId": "022c1e7e-234f-4317-aaeb-4724840d265d",
           "externalVerificationLinks": false,
           "whitelistedAncestorUrls": [],
           "banDuplicateAccounts": true,
           "allowAttestedKyc": false,
           "__v": 1
       }
   }

   Request- US Seller

   curl --location 'https://api-sandbox.coinflow.cash/api/merchant/v2' \
   --header 'x-coinflow-submerchant-id: usseller' \
   --header 'Authorization: YOUR_API_KEY' \
   --header 'accept: application/json'

   Response- US Seller

   {
       "merchant": {
           "colors": {
               "style": "rounded"
           },
           "wallets": {
               "solana": {
                   "feePayer": "b8898b9c0f4615a7917fc915ea3db82625d70769a2e0ec7edd520c12bd7a9266aef9d2efb98d297c7f5ff78a3908272264731891c16414a53d05142ae72cb099c5cbf16dd04f1c2b3a8503f751cb672b4228c10edc8b2420017915f6e4bce4eb",
                   "usdcPayer": "26c3f323b26c104f826dc2df33dc27aadbe939cf06de178cd503a03804ea58d8f697ed630ea757d49c64cf9ed30574f4297bc88a9ebd7abe788e6a3eaeb3f838930f449d856558c30cbb56bd81bbe0ee5e10028783e1a27e0fbae1cc7215c7c4"
               },
               "evm": {
                   "feePayer": "6101094cfbb183d342bbec088c646625eb48e66081062a825c951cdb3a04d636d267f7f1b2cbe10d844157e96727c1f91f4a21ce1aee89e01628c7e3fd390fbf178b4a4ef7daaea36812b31c977cc95e",
                   "usdcPayer": "827205dab06cc539897888add0f6e66ad565f1ae15162e4fcce821f9bb18ac92dccea00ec9d2d6d18fcdf81a3fc581ae9c7a2b3cf09cc53a4c5a2080d9dd6425ca725fb588e672ca0530d2b5961f64a5"
               }
           },
           "settlementAddresses": {
               "solana": "BWeSjNQyEgyU2hxtmfAagk3jRk4S3mtFJhmUPYAGfoJ6",
               "recipientAddresses": []
           },
           "cardSettings": {
               "processor": "mock",
               "applePayProcessor": "mock",
               "googlePayProcessor": "mock",
               "paysFees": false,
               "paysGasFees": false,
               "customerEmailNotifications": false,
               "merchantEmailNotifications": false,
               "supportsGooglePay": true,
               "supportsApplePay": true,
               "saveCardDefault": true,
               "ignoreProcessorLimit": false,
               "disable3DSOverride": true,
               "avsCheck": true,
               "threeDsChallengePreference": "NoPreference"
           },
           "achSettings": {
               "processor": "mock",
               "paysFees": false,
               "allowDelayedTransactions": false,
               "customerEmailNotifications": false,
               "merchantEmailNotifications": false,
               "instantSettle": false
           },
           "pixSettings": {
               "paysFees": false,
               "customerEmailNotifications": false,
               "merchantEmailNotifications": false
           },
           "ibanSettings": {
               "paysFees": false,
               "customerEmailNotifications": false,
               "merchantEmailNotifications": false
           },
           "cryptoPayinSettings": {
               "stables": {
                   "feeBps": 50,
                   "paysFees": false,
                   "enabled": true
               },
               "majors": {
                   "feeBps": 100,
                   "paysFees": false,
                   "enabled": true
               },
               "volatile": {
                   "feeBps": 600,
                   "paysFees": false,
                   "enabled": true
               },
               "enabled": false,
               "maxGasFeePayment": {
                   "cents": 0,
                   "currency": "USD"
               },
               "coinbaseDisabled": false
           },
           "nSureSettings": {
               "nSureFixedFee": {
                   "cents": 37
               },
               "nSureInsurance": false,
               "nSureAchInsurance": false,
               "enableOverrideReview": false,
               "overrideReviewHours": 24,
               "nSureVariableFeeBps": 100
           },
           "blockConfig": {
               "failedPaymentAttemptLimit": 3
           },
           "withdrawFeePayment": {
               "paysGasFees": {
                   "polygon": false,
                   "eth": false,
                   "base": false,
                   "arbitrum": false,
                   "solana": false
               },
               "paysWithdrawFees": false
           },
           "refundBalanceLimit": {
               "cents": 500000
           },
           "_id": "6859b20210763eff46a27da6",
           "merchantId": "usseller",
           "verification": {
               "hash": "cda3090cf0c6f580c0e7c414adefa61fa9f22c7b",
               "vendor": "persona",
               "reference": "ver_RDuHxp464KWF1e1LMPCsp7ay7ygB",
               "status": "approved"
           },
           "withdrawFees": {
               "swapBps": 50,
               "user": {
                   "asap": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 200,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       }
                   },
                   "same_day": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       }
                   },
                   "standard": {
                       "fixed": {
                           "cents": 100,
                           "currency": "USD"
                       },
                       "variableBps": 0,
                       "minimum": {
                           "cents": 0,
                           "currency": "USD"
                       }
                   },
                   "card": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 200,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       }
                   },
                   "iban": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       }
                   },
                   "pix": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       }
                   },
                   "eft": {
                       "fixed": {
                           "cents": 100,
                           "currency": "USD"
                       },
                       "variableBps": 0,
                       "minimum": {
                           "cents": 0,
                           "currency": "USD"
                       }
                   }
               },
               "business": {
                   "asap": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 200,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       }
                   },
                   "same_day": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 100,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   },
                   "standard": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 50,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   },
                   "card": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 0,
                       "minimum": {
                           "cents": 0,
                           "currency": "USD"
                       }
                   },
                   "iban": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 200,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   },
                   "pix": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 150,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   },
                   "eft": {
                       "fixed": {
                           "cents": 0,
                           "currency": "USD"
                       },
                       "variableBps": 50,
                       "minimum": {
                           "cents": 50,
                           "currency": "USD"
                       },
                       "maximum": {
                           "cents": 5000,
                           "currency": "USD"
                       }
                   }
               }
           },
           "customWithdrawFees": {
               "isBundled": false,
               "lineItemLabel": "Service Charge",
               "global": {
                   "coverProcessingFees": false,
                   "isFixed": true,
                   "currency": "USD",
                   "cents": 0,
                   "percent": null
               }
           },
           "apiKey": "2f104ced-6938-4a5b-bb42-66bcdc0e6b08",
           "apiKeys": [],
           "kycType": "both",
           "liquidityNotifications": [],
           "settlementToken": "USDC",
           "users": [
               {
                   "email": "tasha+usseller@coinflowlabs.app",
                   "scope": "seller",
                   "_id": "6859b20210763eff46a27da7"
               }
           ],
           "ubos": [],
           "goLiveChecklist": {
               "programWhitelistRequests": []
           },
           "hideBranding": false,
           "onlyShowTotal": false,
           "skipSendWithdrawEmail": false,
           "pushToCardEnabled": true,
           "requireAniCheck": false,
           "bankPayoutProvider": [
               "aptpay"
           ],
           "rtpPayoutProvider": "dwolla",
           "parent": "6849d9a8407a105f5c5dc1fc",
           "creditSeed": "tashamarket",
           "withdrawSettlementLocation": "circle",
           "enforceJwt": true,
           "enforceCheckoutJwt": false,
           "metakeepAppId": "022c1e7e-234f-4317-aaeb-4724840d265d",
           "externalVerificationLinks": false,
           "whitelistedAncestorUrls": [],
           "banDuplicateAccounts": true,
           "allowAttestedKyc": false,
           "__v": 0
       }
   }

3. Creating a Seller Session Key Creating a session key is required for client-to-server calls. Use the seller’s settlementAddresses.solana to generate one for withdrawal-related requests.
   Request

   curl --location 'https://api-sandbox.coinflow.cash/api/auth/session-key' \
   --header 'Authorization: YOUR_API_KEY' \
   --header 'accept: application/json' \
   --header 'x-coinflow-auth-blockchain: solana' \
   --header 'x-coinflow-auth-wallet: CVrsREanmfBAeZH14PXrBzw4wF8Eh12PJDHYq2feoxUq'

   Response

   {
       "key": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ3YWxsZXQiOiJDVnJzUkVhbm1mQkFlWkgxNFBYckJ6dzR3RjhFaDEyUEpESFlxMmZlb3hVcSIsImJsb2NrY2hhaW4iOiJzb2xhbmEiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTEyNjcsImV4cCI6MTc1MDc5NzY2N30.Wq1wTl9FXGNADnVdqUaS6sCo0uXLzj2NnfBYAnJr420"
   }

4. Get Withdrawer Use this endpoint to reference the seller’s withdrawer data.

   curl --request GET \
        --url https://api-sandbox.coinflow.cash/api/withdraw \
        --header 'accept: application/json' \
        --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ3YWxsZXQiOiJDVnJzUkVhbm1mQkFlWkgxNFBYckJ6dzR3RjhFaDEyUEpESFlxMmZlb3hVcSIsImJsb2NrY2hhaW4iOiJzb2xhbmEiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTEyNjcsImV4cCI6MTc1MDc5NzY2N30.Wq1wTl9FXGNADnVdqUaS6sCo0uXLzj2NnfBYAnJr420'

   {
     "withdrawer": {
       "_id": "6859b7bbe36b426f2df63d50",
       "__v": 0,
       "availability": {
         "status": "Functional",
         "reason": "Initial",
         "editor": "system",
         "updatedAt": "2025-06-23T20:23:23.516Z"
       },
       "currency": "EUR",
       "email": "tasha+sellerAA@coinflowlabs.app",
       "merchant": "6849d9a8407a105f5c5dc1fc",
       "originalCurrency": "EUR",
       "riskScoreOverride": false,
       "user": true,
       "verification": {
         "hash": "42516ab2-d49b-4659-8347-a2d2ed3ca66b",
         "vendor": "persona",
         "reference": "inq_8iTfTTaf1Bba1bdk6C291s8CVQjY",
         "status": "approved"
       },
       "wallets": [
         {
           "wallet": "CVrsREanmfBAeZH14PXrBzw4wF8Eh12PJDHYq2feoxUq",
           "blockchain": "solana"
         }
       ],
       "watchlistExempt": "Unknown",
       "bankAccounts": [],
       "cards": [],
       "ibans": [],
       "pixes": [],
       "efts": [],
       "rtpDisabled": false,
       "cardDisabled": false
     }
   }

Payment

Card Payments

1. Fetch a session key This creates a JWT token for the payer, and authorizes the payer to call these endpoints client-to-server. You will pass the returned session key as x-coinflow-auth-session-key header.
   • Note: x-coinflow-auth-user-id can be thought of as a unique customer id that you use/define on your systems.
   Request

   1
   curl --request GET \
   2
        --url https://api-sandbox.coinflow.cash/api/auth/session-key \
   3
        --header 'Authorization: YOUR_API_KEY' \
   4
        --header 'accept: application/json' \
   5
        --header 'x-coinflow-auth-user-id: customer123'

   Response

   {
       "key": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ"
   }

2. Get the Totals for the checkout to show the customer a quote inclusive of all fees.
   Request

   1
   curl --request POST \
   2
        --url https://api-sandbox.coinflow.cash/api/checkout/totals/sellerAA \
   3
        --header 'accept: application/json' \
   4
        --header 'content-type: application/json' \
   5
        --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ' \
   6
        --data '
   7
   {
   8
     "subtotal": {
   9
       "cents": 100
   10
     },
   11
     "settlementType": "USDC"
   12
   }
   13
   '

   Response

   {
       "card": {
           "subtotal": {
               "cents": 100,
               "currency": "USD"
           },
           "creditCardFees": {
               "cents": 40,
               "currency": "USD"
           },
           "chargebackProtectionFees": {
               "cents": 0,
               "currency": "USD"
           },
           "gasFees": {
               "cents": 0,
               "currency": "USD"
           },
           "total": {
               "cents": 140,
               "currency": "USD"
           },
           "settlement": {
               "subtotal": {
                   "cents": 100,
                   "currency": "USD"
               },
               "creditCardFees": {
                   "cents": 40,
                   "currency": "USD"
               },
               "chargebackProtectionFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "gasFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "total": {
                   "cents": 140,
                   "currency": "USD"
               }
           },
           "exchangeRate": 1,
           "basis": {
               "cents": 100,
               "currency": "USD"
           }
       },
       "ach": {
           "subtotal": {
               "cents": 100,
               "currency": "USD"
           },
           "creditCardFees": {
               "cents": 100,
               "currency": "USD"
           },
           "chargebackProtectionFees": {
               "cents": 0,
               "currency": "USD"
           },
           "gasFees": {
               "cents": 0,
               "currency": "USD"
           },
           "total": {
               "cents": 200,
               "currency": "USD"
           },
           "settlement": {
               "subtotal": {
                   "cents": 100,
                   "currency": "USD"
               },
               "creditCardFees": {
                   "cents": 100,
                   "currency": "USD"
               },
               "chargebackProtectionFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "gasFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "total": {
                   "cents": 200,
                   "currency": "USD"
               }
           },
           "exchangeRate": 1,
           "basis": {
               "cents": 100,
               "currency": "USD"
           }
       },
       "usdc": {
           "subtotal": {
               "cents": 100,
               "currency": "USD"
           },
           "creditCardFees": {
               "cents": 0,
               "currency": "USD"
           },
           "chargebackProtectionFees": {
               "cents": 0,
               "currency": "USD"
           },
           "gasFees": {
               "cents": 0,
               "currency": "USD"
           },
           "total": {
               "cents": 100,
               "currency": "USD"
           },
           "settlement": {
               "subtotal": {
                   "cents": 100,
                   "currency": "USD"
               },
               "creditCardFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "chargebackProtectionFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "gasFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "total": {
                   "cents": 100,
                   "currency": "USD"
               }
           },
           "exchangeRate": 1,
           "basis": {
               "cents": 100,
               "currency": "USD"
           }
       },
       "googlePay": {
           "subtotal": {
               "cents": 100,
               "currency": "USD"
           },
           "creditCardFees": {
               "cents": 40,
               "currency": "USD"
           },
           "chargebackProtectionFees": {
               "cents": 0,
               "currency": "USD"
           },
           "gasFees": {
               "cents": 0,
               "currency": "USD"
           },
           "total": {
               "cents": 140,
               "currency": "USD"
           },
           "settlement": {
               "subtotal": {
                   "cents": 100,
                   "currency": "USD"
               },
               "creditCardFees": {
                   "cents": 40,
                   "currency": "USD"
               },
               "chargebackProtectionFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "gasFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "total": {
                   "cents": 140,
                   "currency": "USD"
               }
           },
           "exchangeRate": 1,
           "basis": {
               "cents": 100,
               "currency": "USD"
           }
       },
       "applePay": {
           "subtotal": {
               "cents": 100,
               "currency": "USD"
           },
           "creditCardFees": {
               "cents": 40,
               "currency": "USD"
           },
           "chargebackProtectionFees": {
               "cents": 0,
               "currency": "USD"
           },
           "gasFees": {
               "cents": 0,
               "currency": "USD"
           },
           "total": {
               "cents": 140,
               "currency": "USD"
           },
           "settlement": {
               "subtotal": {
                   "cents": 100,
                   "currency": "USD"
               },
               "creditCardFees": {
                   "cents": 40,
                   "currency": "USD"
               },
               "chargebackProtectionFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "gasFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "total": {
                   "cents": 140,
                   "currency": "USD"
               }
           },
           "exchangeRate": 1,
           "basis": {
               "cents": 100,
               "currency": "USD"
           }
       },
       "credits": {
           "subtotal": {
               "cents": 100,
               "currency": "USD"
           },
           "creditCardFees": {
               "cents": 0,
               "currency": "USD"
           },
           "chargebackProtectionFees": {
               "cents": 0,
               "currency": "USD"
           },
           "gasFees": {
               "cents": 0,
               "currency": "USD"
           },
           "total": {
               "cents": 100,
               "currency": "USD"
           },
           "settlement": {
               "subtotal": {
                   "cents": 100,
                   "currency": "USD"
               },
               "creditCardFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "chargebackProtectionFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "gasFees": {
                   "cents": 0,
                   "currency": "USD"
               },
               "total": {
                   "cents": 100,
                   "currency": "USD"
               }
           },
           "exchangeRate": 1,
           "basis": {
               "cents": 100,
               "currency": "USD"
           }
       }
   }

3. Tokenize the Credit Card Number. See tab: Tokenize New Card
4. Enable a New Card Checkout This endpoint will enable a new user who has never made a purchase to complete their purchase with a credit card. Below is an example of how you’d call the card checkout endpoint:

• Request

  1
  curl --location 'https://api-sandbox.coinflow.cash/api/checkout/card/sellerAA' \
  2
  --header 'accept: application/json' \
  3
  --header 'content-type: application/json' \
  4
  --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ' \
  5
  --data-raw '
  6
  {
  7
    "subtotal": {
  8
      "currency": "USD",
  9
      "cents": 500
  10
    },
  11
    "webhookInfo": {
  12
      "example": "{\"platformId\": \"123abc\"}"
  13
    },
  14
    "card": {
  15
      "cardToken": "411111YJM5TX1111",
  16
      "expYear": "30",
  17
      "expMonth": "10",
  18
      "email": "test@gmail.com",
  19
      "firstName": "sdfadfsd",
  20
      "lastName": "sdfsdfsd",
  21
      "address1": "380 prospect ave",
  22
      "city": "brooklyn",
  23
      "zip": "11215",
  24
      "state": "ny",
  25
      "country": "US"
  26
    },
  27
    "feePercentage": 2, // Percentage fee marketplace takes from each transaction
  28
    "settlementType": "USDC"
  29
  }
  30
  '

  Response

  {
    "paymentId": "f3fc8a34-680b-4b91-905b-1db5628bbb0e"
  }

5. Re-tokenize a saved card number. See tab: Refresh Token w/ CVV
6. Enable a Saved Card Checkout This endpoint will enable a returning user to complete a purchase with a previously saved card. The returning user will need to enter their CVV before confirming the purchase. Once you’ve retrieved the refreshed card token, pass it into the Saved Card Checkout endpoint. Below is an example request:

1
curl --request POST \
2
     --url https://api-sandbox.coinflow.cash/api/checkout/token/testtest \
3
     --header 'accept: application/json' \
4
     --header 'content-type: application/json' \
5
     --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ' \
6
     --data '
7
{
8
  "subtotal": {
9
    "currency": "USD",
10
    "cents": 500
11
  },
12
  "webhookInfo": {
13
    "example": "{\"wineId\": \"123abc\"}"
14
  },
15
  "settlementType": "USDC",
16
  "token": "411111YJM5TX1111",
17
	"feePercentage": 2 // Percentage fee marketplace takes from each transaction
18
}
19
'

{
  "paymentId": "0090c04b-1ae8-4672-a108-32874df36f11"
}

7. Optional Implementation: Get payment by id This endpoint allows your to get details about the payment.

1
curl --request GET \
2
     --url https://api-sandbox.coinflow.cash/api/merchant/payments/enhanced/21d842d0-564b-4957-961e-d91ad98aa04b \
3
     --header 'Authorization: YOUR_API_KEY' \
4
     --header 'accept: application/json'

{
  "info": {
    "firstName": "Dwayne",
    "lastName": "Johnson",
    "email": "customer@email.com",
    "streetAddress": "385 Prospect Ave",
    "city": "Brooklyn",
    "state": "NY",
    "zip": "11215",
    "country": "US",
    "bin": "411111",
    "ip": "35.160.120.126",
    "userAgent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/131.0.0.0 Safari/537.36",
    "expMonth": "10",
    "expYear": "30",
    "ipLocation": {
      "lat": "45.5235",
      "lon": "-122.676",
      "country": "United States",
      "region": "OR",
      "isp": "Amazon.com, Inc.",
      "city": "Portland",
      "zip": "97207"
    },
    "deviceInfo": {
      "ua": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/131.0.0.0 Safari/537.36",
      "browser": {
        "name": "Chrome",
        "version": "131.0.0.0",
        "major": "131"
      },
      "engine": {
        "name": "Blink",
        "version": "131.0.0.0"
      },
      "os": {
        "name": "Mac OS",
        "version": "10.15.7"
      },
      "device": {
        "vendor": "Apple",
        "model": "Macintosh"
      },
      "cpu": {}
    }
  }
}

8. At this point, you’ve successfully made a purchase with a new card and with a saved card. Next, lets add 3DS for card purchases. Please reach out to the Coinflow team when you’ve reached this step so we can configure 3DS on your account.

Adding 3DS to Card Checkout

Adding Chargeback Protection

1. Add the chargeback protection script to every page of your app. This script allows our provider to analyze user behavior and determine if the behavior could lead to fraud.
   • On sandbox, partnerId = COINFTEST
2. Pass the chargebackProtectionData object to the new and saved card checkout as well as the below headers. See an example of what the request will look like when you pass chargeback protection data to the new card checkout endpoint.
   • x-device-id - Get this after adding the script in step 1
   • x-coinflow-client-ip- the payer’s ip address
   • user-agent - the payer’s User Agent
   Request

   1
   curl --location 'https://api-sandbox.coinflow.cash/api/checkout/card/sellerAA' \
   2
   --header 'accept: application/json' \
   3
   --header 'content-type: application/json' \
   4
   --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ' \
   5
        --header 'user-agent: Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/18.3 Safari/605.1.15' \
   6
        --header 'x-coinflow-client-ip: 123.123.123.123' \
   7
        --header 'x-device-id: 123456789' \
   8
   --data-raw '
   9
   {
   10
     "subtotal": {
   11
       "currency": "USD",
   12
       "cents": 500
   13
     },
   14
     "webhookInfo": {
   15
       "example": "{\"platformId\": \"123abc\"}"
   16
     },
   17
     "card": {
   18
       "cardToken": "411111YJM5TX1111",
   19
       "expYear": "30",
   20
       "expMonth": "10",
   21
       "email": "test@gmail.com",
   22
       "firstName": "sdfadfsd",
   23
       "lastName": "sdfsdfsd",
   24
       "address1": "380 prospect ave",
   25
       "city": "brooklyn",
   26
       "zip": "11215",
   27
       "state": "ny",
   28
       "country": "US"
   29
     },
   30
     "feePercentage": 2, // Percentage fee marketplace takes from each transaction
   31
     "settlementType": "USDC",
   32
     "chargebackProtectionData": [
   33
         {
   34
           "productType": "alcohol", // This may change
   35
           "rawProductData": {
   36
             "example": "{\"description\": \"pass as much description about the purchase here\", \"region\": \"CA\", \"yearsOld\": 20}"
   37
           },
   38
           "productName": "California Cab",
   39
           "quantity": 1
   40
         }
   41
       ],
   42
   }
   43
   '

Displaying Seller Earnings from Purchases

1. Get Balances This endpoint allows you to see how much USDC the seller has available in their wallet to withdraw at anytime.
   Request

   curl --request GET \
        --url https://api-sandbox.coinflow.cash/api/customer/balances/sellerAA \
        --header 'accept: application/json' \
        --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ3YWxsZXQiOiJDVnJzUkVhbm1mQkFlWkgxNFBYckJ6dzR3RjhFaDEyUEpESFlxMmZlb3hVcSIsImJsb2NrY2hhaW4iOiJzb2xhbmEiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTEyNjcsImV4cCI6MTc1MDc5NzY2N30.Wq1wTl9FXGNADnVdqUaS6sCo0uXLzj2NnfBYAnJr420'

   Response

   {
     "credits": {
       "cents": 0
     },
     "usdc": {
       "cents": 490
     }
   }

Integrating Seller Payouts