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  • Product Overview
    • Products & Features
    • Key Concepts
  • Getting Started
    • Account Setup
    • Quickstart
  • Checkout
    • Settlement Locations
  • Payouts
    • Payout Overview
    • What is a Payout
  • Subscriptions
    • Subscriptions Overview
  • Marketplaces
    • Marketplace Overview
    • How Marketplaces Work
    • Marketplaces Webhooks
    • Marketplaces Implementation
  • Developer Resources
    • Custom Branding
    • Checkout Implementation
    • Webhooks
  • Merchant Dashboard
    • Login & Account Access
    • Users and Roles
    • Rate Limits
    • Developer Contact
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On this page
  • Welcome to Coinflow
  • Core Features
  • Pay-in Methods
  • Payout Methods
  • Implementation Paths
  • Settlement Options
  • Security & Fraud Protection
  • Developer Resources
  • Quick Links
Product Overview

Welcome

Everything you need to integrate Coinflow's payment infrastructure
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Key Concepts

The core mechanics behind Coinflow pay-ins and payouts — how card tokenization, bank authentication, KYC, and source-of-funds work before you write a single line of integration code.

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Built with

Welcome to Coinflow

Coinflow is a complete payment infrastructure platform that enables businesses to accept payments from any customer — credit cards, bank transfers, digital wallets, and more — and pay out to users around the world. Our platform handles payment processing, fraud protection, compliance, and settlement so you can focus on building your product.

Coinflow is used by SaaS companies, marketplaces, gaming platforms, and consumer apps as their primary payment processor, with additional rails available for businesses that need them.

New to Coinflow? Start with our Account Setup guide to set up your account and make your first integration.

Core Features

Checkout & Pay-ins

Accept credit cards, ACH, Apple Pay, Google Pay, and international bank transfers from customers globally.

Payouts & Withdrawals

Send funds to users via bank transfers, debit cards, and digital wallets with instant, same-day, or standard settlement.

Subscriptions

Create and manage recurring payment plans with support for multiple payment methods and billing cycles.

Marketplace Solutions

Build multi-sided marketplaces with split payments, escrow, and automated seller payouts.

Pay-in Methods

Coinflow supports a wide range of payment methods for collecting funds from customers:

Payment MethodSupported Regions
Credit Card / Debit CardGlobal (except restricted countries)
Apple PayGlobal (except restricted countries)
Google PayGlobal (except restricted countries)
Cash App PayUnited States
ACH Bank TransferUnited States
Wire TransferUnited States
SEPAEuropean Union
UK Faster PaymentsUnited Kingdom
PIXBrazil

Payment method availability varies by region. See Supported Countries for full details. Stablecoin/Cryptocurrency pay-ins are also available as an optional, advanced rail.

Payout Methods

Send funds to your users through their preferred payout channel:

Payout MethodSpeedSupported Regions
RTP (Real-Time Payments)Instant (seconds)United States (~80% of bank accounts)
Push-to-CardInstant (seconds)United States (Visa/Mastercard debit)
Apple Pay PayoutsInstant (seconds)United States
Same-Day ACHWithin 24 business hrsUnited States
Standard ACH3 business daysUnited States
SEPA InstantInstant (seconds)European Union
SEPA Standard1–2 business daysEuropean Union
UK Faster PaymentsInstant (seconds)United Kingdom
PIXInstant (seconds)Brazil
Interac e-TransferInstant (seconds)Canada
EFT1–3 business daysCanada
PayPalInstant (seconds)Global
VenmoInstant (seconds)United States
Wire Transfer1–2 business daysUnited States

View all supported payout countries and currencies →

Implementation Paths

Choose the integration method that best fits your use case:

SDK
Hosted Page (iframe)
API Integration

Embed Coinflow’s pre-built UI components directly in your application. Available for web and all major mobile platforms.

Web (React):

  • Drop-in React components with full branding control
  • React SDK Documentation →

Mobile:

  • iOS Swift SDK →
  • Android SDK →
  • Flutter SDK →
  • React Native SDK →

Best for:

  • React or mobile applications
  • Custom branded experiences
  • Embedded payment flows without building payment UI from scratch

Settlement Options

After a payment is collected, Coinflow settles funds to your configured destination. Here are the available options:

Coinflow Wallet (Recommended - Easiest to Start)

The simplest option to get up and running. Funds are held in a Coinflow managed account associated with your merchant account. All you need to do is set up the account and start receiving payments.

  • Funds available in your Coinflow dashboard immediately after settlement
  • Initiate payouts to your users directly from your Coinflow balance
  • Daily push to your company bank account available on request (see below)

Learn more →

Daily Bank Push (ACH to Your Company Account)

For merchants who want funds swept to a bank account on a regular cadence. Coinflow can automatically send your settled balance to your company’s bank account on a daily basis.

  • Automated daily settlement to your business bank account
  • Works alongside the Coinflow account - funds accumulate intraday, then sweep at end of day
  • Best for businesses that want settled funds in their bank account

Additional settlement options are available for businesses with advanced or programmatic settlement needs. View all settlement locations →

Security & Fraud Protection

Coinflow provides multiple layers of protection out of the box:

AI-Powered Chargeback Protection

Coinflow’s fraud engine scores every transaction in real time and guarantees coverage for approved transactions that later result in chargebacks.

3D Secure (3DS)

Strong customer authentication that shifts chargeback liability to the card issuer for verified transactions.

Address Verification (AVS)

Validate billing addresses against card-issuer records to filter out fraudulent card-not-present transactions.

PCI Compliance

Coinflow’s hosted iframe and SDK keep card data fully out of your servers. Achieve PCI compliance without a costly audit.

Strong Authentication

Require additional identity verification steps for high-risk or high-value transactions.

Signed Checkout Parameters

Cryptographically sign checkout session parameters server-side so they cannot be tampered with by end users.

Developer Resources

Webhooks

Receive real-time notifications about payment events, status changes, and settlement updates.

Testing & Sandbox

Test your integration safely with sandbox credentials and test payment methods before going live.

Custom Branding

Customize the checkout experience with your brand colors, logo, and styling.

Merchant Dashboard

Monitor transactions, manage refunds, configure settlement, and access reporting tools.

Quick Links

Need help? Contact support@coinflowlabs.app for integration support.

  • How Checkout Works — Understand the payment flow end to end
  • Settlement Locations — Configure where and how funds are delivered to you
  • Error Codes — Troubleshoot integration issues