> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.coinflow.cash/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.coinflow.cash/_mcp/server. # How To: Implement Pay-Ins on Marketplaces (API) > **Warning** > > **This page is for advanced / cryptocurrency-native companies.** If that's not you, head back to the [Quickstart](/guides/getting-started/quickstart) for the standard flows. > **Note** > > Coinflow's marketplace API uses regulated stablecoin rails under the hood. Throughout this page you'll see fields like `wallets.solana`, `cryptoPayinSettings`, `settlementToken: "USDC"`, and `paysGasFees` in API responses — most marketplaces can ignore them. They're only relevant if you're configuring on-chain settlement. The flow you'll typically implement is: pay-in (card or ACH) → seller balance → seller payout. To make a request on behalf of one of your sellers, add the `x-coinflow-submerchant-id` header set to the seller's `sellerId`. See [Making requests for a submerchant](/guides/getting-started/account-setup#making-requests-for-a-submerchant). ## 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. The `x-coinflow-auth-blockchain` and `x-coinflow-auth-wallet` headers are required because Coinflow uses stablecoin rails under the hood — you can hard-code `solana` here. **`Request`** ```Text 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`** ```Text Response { "key": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ3YWxsZXQiOiJDVnJzUkVhbm1mQkFlWkgxNFBYckJ6dzR3RjhFaDEyUEpESFlxMmZlb3hVcSIsImJsb2NrY2hhaW4iOiJzb2xhbmEiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTEyNjcsImV4cCI6MTc1MDc5NzY2N30.Wq1wTl9FXGNADnVdqUaS6sCo0uXLzj2NnfBYAnJr420" } ``` ### Seller Registration > **Warning** > > Seller creation no longer accepts a raw `parentId` in the request body. Authenticate Create Seller requests with your marketplace **API key** — the parent marketplace is derived from the key. Hosted registration links minted through the [Get Seller Registration Link](/api-reference/api-reference/marketplace/get-seller-register-link) endpoint continue to work without changes; they now carry a signed `onboardingToken` instead of a `parentId`. 1. [Create a Seller](/api-reference/api-reference/marketplace/create-seller) This endpoint creates a Seller in your registered marketplace. Pass your API key in the `Authorization` header — your marketplace is identified from the key, so no `parentId` is needed. **`Request`** ```Text Request curl --location 'https://api-sandbox.coinflow.cash/api/seller' \ --header 'Authorization: YOUR_API_KEY' \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --data-raw ' { "individual": true, "email": "tasha+sellerAA@coinflowlabs.app", "sellerId": "sellerAA", "country": "IT" } ' ``` **`Response`** ```Text Response { "verification": { "hash": "42516ab2-d49b-4659-8347-a2d2ed3ca66b", "reference": "inq_8iTfTTaf1Bba1bdk6C291s8CVQjY", "status": "pending" }, "verificationLink": "https://verify.coinflow.cash/verify?inquiry-id=inq_8iTfTTaf1Bba1bdk6C291s8CVQjY&redirect-uri=https%3A%2F%2Fsandbox-merchant.coinflow.cash%2Fseller%2Flogin", "redirectLink": "https://sandbox-merchant.coinflow.cash/seller/login" } ``` **`Request - US Seller`** ```Text Request - US Seller curl --request POST \ --url https://api-sandbox.coinflow.cash/api/seller \ --header 'Authorization: YOUR_API_KEY' \ --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, "email": "tasha+usseller@coinflowlabs.app", "sellerId": "usseller" } ' ``` **`Response- US Seller`** ```Text Response- US Seller OK ``` 2. [Get Merchant](/api-reference/api-reference/merchant/get-merchant) Use this endpoint to reference the seller's account data. The typical fields a marketplace developer reads are `merchantId`, `verification`, `withdrawFees`, `apiKey`, and `settlementAddresses`. The full response includes on-chain settlement fields (`wallets`, `cryptoPayinSettings`, `paysGasFees`) — most marketplaces can ignore them. **`Request`** ```Text 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' ``` #### Advanced: full merchant response (includes on-chain settlement fields) **`Response`** ```Text 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", "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, "externalVerificationLinks": false, "whitelistedAncestorUrls": [], "banDuplicateAccounts": true, "allowAttestedKyc": false, "__v": 1 } } ``` **`Request- US Seller`** ```Text 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' ``` #### Advanced: full merchant response — US Seller (includes on-chain settlement fields) **`Response- US Seller`** ```Text 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", "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, "externalVerificationLinks": false, "whitelistedAncestorUrls": [], "banDuplicateAccounts": true, "allowAttestedKyc": false, "__v": 0 } } ``` 3. [Creating a Seller Session Key](/api-reference/api-reference/authentication/get-session-key) Creating a session key is required for client-to-server calls. The `x-coinflow-auth-blockchain` and `x-coinflow-auth-wallet` headers are required because Coinflow uses stablecoin rails under the hood — you can hard-code `solana` and pass the seller's `settlementAddresses.solana` value. **`Request`** ```Text 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`** ```Text Response { "key": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ3YWxsZXQiOiJDVnJzUkVhbm1mQkFlWkgxNFBYckJ6dzR3RjhFaDEyUEpESFlxMmZlb3hVcSIsImJsb2NrY2hhaW4iOiJzb2xhbmEiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTEyNjcsImV4cCI6MTc1MDc5NzY2N30.Wq1wTl9FXGNADnVdqUaS6sCo0uXLzj2NnfBYAnJr420" } ``` 4. [Get Withdrawer](/api-reference/api-reference/withdraw/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", "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](/api-reference/api-reference/authentication/get-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`** ```curl Request curl --request GET \ --url https://api-sandbox.coinflow.cash/api/auth/session-key \ --header 'Authorization: YOUR_API_KEY' \ --header 'accept: application/json' \ --header 'x-coinflow-auth-user-id: customer123' ``` **`Response`** ```Text Response { "key": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ" } ``` 2. [Get the Totals for the checkout](/api-reference/api-reference/checkout/get-totals) to show the customer a quote inclusive of all fees. **`Request`** ```curl Request curl --request POST \ --url https://api-sandbox.coinflow.cash/api/checkout/totals/sellerAA \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ' \ --data ' { "subtotal": { "cents": 100 }, "settlementType": "USDC" } ' ``` **`Response`** ```Text 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" } }, "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" } } } ``` #### Advanced: USDC totals block (only relevant for on-chain settlement) If your account is configured for stablecoin pay-ins, the totals response also includes a `usdc` block alongside the payment methods above: **`Response (usdc block)`** ```Text Response (usdc block) "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" } } ``` 3. [Tokenize the Credit Card Number.](/recipes/recipes/pci-compliant-card-tokenization) See tab: `Tokenize New Card` 4. **[Enable a New Card Checkout](/api-reference/api-reference/checkout/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: * ```curl Request curl --location 'https://api-sandbox.coinflow.cash/api/checkout/card/sellerAA' \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ' \ --data-raw ' { "subtotal": { "currency": "USD", "cents": 500 }, "webhookInfo": { "example": "{\"platformId\": \"123abc\"}" }, "card": { "cardToken": "411111YJM5TX1111", "expYear": "30", "expMonth": "10", "email": "test@gmail.com", "firstName": "sdfadfsd", "lastName": "sdfsdfsd", "address1": "380 prospect ave", "city": "brooklyn", "zip": "11215", "state": "ny", "country": "US" }, "feePercentage": 2, // Percentage fee marketplace takes from each transaction "settlementType": "USDC" } ' ``` ```Text Response { "paymentId": "f3fc8a34-680b-4b91-905b-1db5628bbb0e" } ``` 5. [Re-tokenize a saved card number.](/recipes/recipes/pci-compliant-card-tokenization) See tab: `Refresh Token w/ CVV` 6. [Enable a Saved Card Checkout](/api-reference/api-reference/checkout/token-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](/api-reference/api-reference/checkout/token-checkout). Below is an example request: **`Request`** ```curl Request curl --request POST \ --url https://api-sandbox.coinflow.cash/api/checkout/token/testtest \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ' \ --data ' { "subtotal": { "currency": "USD", "cents": 500 }, "webhookInfo": { "example": "{\"wineId\": \"123abc\"}" }, "settlementType": "USDC", "token": "411111YJM5TX1111", "feePercentage": 2 // Percentage fee marketplace takes from each transaction } ' ``` **`Response`** ```Text Response { "paymentId": "0090c04b-1ae8-4672-a108-32874df36f11" } ``` 7. **Optional Implementation: [Get payment by id](/api-reference/api-reference/merchant/get-payment-by-id)** This endpoint allows your to get details about the payment. **`Request`** ```curl Request curl --request GET \ --url https://api-sandbox.coinflow.cash/api/merchant/payments/enhanced/21d842d0-564b-4957-961e-d91ad98aa04b \ --header 'Authorization: YOUR_API_KEY' \ --header 'accept: application/json' ``` **`Response`** ```Text Response { "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 #### [Complete Checkout with 3DS Challenge - React](/recipes/recipes/complete-checkout-with-3-ds-challenge-react) \ #### Adding Chargeback Protection 1. [Add the chargeback protection script](/guides/checkout/payment-security-risk-management/fraud-protection/implement-chargeback-protection#how-to-add-chargeback-protection) to **every page** of your app. This script allows our provider to analyze user behavior and determine if the behavior could lead to fraud. * Use the sandbox partnerId provided by Coinflow. 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`** ```curl Request curl --location 'https://api-sandbox.coinflow.cash/api/checkout/card/sellerAA' \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --header 'x-coinflow-auth-session-key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjdXN0b21lcklkIjoiY3VzdG9tZXIxMjMiLCJtZXJjaGFudElkIjoidGFzaGFtYXJrZXQiLCJpYXQiOjE3NTA3MTE3NTksImV4cCI6MTc1MDc5ODE1OX0.2bY7ZoEPIEzewY3Y4X-NpaVA-L9bZ67-3INOMcCYLVQ' \ --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' \ --header 'x-coinflow-client-ip: 123.123.123.123' \ --header 'x-device-id: 123456789' \ --data-raw ' { "subtotal": { "currency": "USD", "cents": 500 }, "webhookInfo": { "example": "{\"platformId\": \"123abc\"}" }, "card": { "cardToken": "411111YJM5TX1111", "expYear": "30", "expMonth": "10", "email": "test@gmail.com", "firstName": "sdfadfsd", "lastName": "sdfsdfsd", "address1": "380 prospect ave", "city": "brooklyn", "zip": "11215", "state": "ny", "country": "US" }, "feePercentage": 2, // Percentage fee marketplace takes from each transaction "settlementType": "USDC", "chargebackProtectionData": [ { "productType": "alcohol", // This may change "rawProductData": { "example": "{\"description\": \"pass as much description about the purchase here\", \"region\": \"CA\", \"yearsOld\": 20}" }, "productName": "California Cab", "quantity": 1 } ], } ' ``` \ ### Displaying Seller Earnings from Purchases 1. [Get Balances](/api-reference/api-reference/customers/get-checkout-balances) This endpoint allows you to see how much the seller has available to withdraw at any time. **`Request`** ```Text 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`** ```Text Response { "credits": { "cents": 0 }, "usdc": { "cents": 490 } } ``` \ ## [Integrating Seller Payouts](/guides/marketplaces/marketplaces-implementation/how-to-implement-marketplaces-api/implementing-marketplaces-via-api)