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GuidesRecipesAPI Reference
  • Getting Started
    • Getting Started with Checkout
    • ACH Checkout
    • Card Checkout with Credits
    • Card Checkout
    • Direct USDC Settlement
    • Fiat/Crypto Pay-ins
    • Secure Marketplace Checkout
    • EVM Checkout
    • How to Enable Checkout with Credit Cards
    • Quick Start Marketplace Implementation
    • Payouts
    • Common FAQs
  • Checkout
    • Settlement Locations
    • Checkout Webhooks
  • Payouts
    • Payout Overview
    • What is a Payout
      • Signing Transaction Requirements
  • Subscriptions
    • Subscriptions Overview
  • Marketplaces
    • Marketplace Overview
    • How Marketplaces Work
    • How to Withdraw USDC
    • Countries Eligible for USDC Withdraw
    • Marketplaces Webhooks
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  • Developer Resources
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  • Transaction Signing Requirements
  • User Self-Custodial Wallet Payouts
  • Merchant Payouts (BYO Wallet)
  • Merchant Payouts (Coinflow In-App Wallet)
PayoutsSource of Funds for Payouts

Signing Transaction Requirements

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How To: Implement Merchant Payouts (From Coinflow Wallet)

Developers can use this documentation to implement merchant payouts (from Coinflow’s in-app wallet) to an end-user’s bank account / debit card.

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Transaction Signing Requirements

Transaction signing requirements vary depending on your payout flow and source of funds.

User Self-Custodial Wallet Payouts

When users are withdrawing from their own wallets, they must:

  1. Sign the transaction with their wallet’s private key
  2. Have sufficient balance for:
    • The payout amount
    • Gas fees (unless using gasless transactions)
  3. Approve the transfer through their wallet interface

The transaction transfers USDC/EUROe from the user’s wallet to Coinflow’s settlement address, which then processes the fiat payout.

Supported chains: Solana, Ethereum, Base, Polygon, Arbitrum, Stellar

For Stellar withdrawals, the user signs the transaction with their Stellar wallet. The user must have sufficient XLM to cover Stellar network fees.

Merchant Payouts (BYO Wallet)

When merchants use their own wallets, they must:

  1. Configure their wallet to sign transactions automatically or through their backend
  2. Maintain sufficient USDC balance for all pending payouts
  3. Ensure wallet has gas fees available

The merchant’s wallet will sign transactions initiated through the Do Payout endpoint.

Merchant Payouts (Coinflow In-App Wallet)

When using Coinflow’s hosted wallet solution:

  • No signing required - Coinflow manages the wallet and transaction signing
  • No gas fees - Coinflow handles all blockchain fees
  • Supported chain: Solana only
  • Merchants simply call the Payout from Delegated Settlement Wallet endpoint

See implementation guides for specific code examples:

  • User Self-Custodial Wallet
  • Merchant BYO Wallet
  • Merchant Coinflow Wallet