Payments

The Payments API enables seamless fiat-to-stablecoin conversion across various supported payment methods. At its core, the API abstracts away the complexity of payment collection, compliance, and currency conversion while providing an optimized user experience.

How it Works

Inflow Connect simplifies fiat-to-stablecoin conversion through a streamlined process:

Create Payment: You create a payment specifying amount, currency, and destination wallet
User Checkout: Your user completes payment through our secure hosted interface
Automatic Processing: Inflow handles everything automatically:
- Collects fiat funds via bank transfer
- Converts to stablecoins at optimal rates
- Delivers to the destination wallet

Core Concepts

Payment Flow

All payments follow the same fundamental pattern regardless of the method used:

Initiation - Create a payment specifying amount, currency, and destination
Funding - User provides fiat funds through chosen payment method
Conversion - Fiat automatically converted to stablecoins
Delivery - Stablecoins sent to destination wallet

Payment Object

Each payment contains:

Source: Fiat amount and currency (EUR)
Destination: Target wallet account and stablecoin type
Status: Current state in the payment lifecycle
Receipt: Final amounts, fees, and transaction details (when completed)

Required Setup

Before processing payments:

Customer: Register the user making the payment
Destination Account: Register the target wallet address
Payment: Create payment linking customer to destination

Payment Status Flow

Payments progress through the following statuses:

Status	Description
INITIATION	Payment created, awaiting user to initiate funding
PENDING	User started payment process, awaiting completion
DEPOSIT_IN_PROGRESS	Funds transfer initiated by user
DEPOSIT_SUCCEEDED	Fiat funds received successfully
FIAT_SENT_TO_PROVIDER	Fiat sent to liquidity provider for conversion
FIAT_RECEIVED_BY_PROVIDER	Liquidity provider received fiat, starting conversion
CRYPTO_SENT	Stablecoins sent to destination wallet
COMPLETED	Payment fully processed, funds delivered
FAILED	Payment failed, will not retry automatically
CANCELLED	Payment cancelled before completion

Note: Payments can only be cancelled when in INITIATION status.

Payment Methods

Hosted Checkout

A complete, no-code interface that handles the entire fiat-to-crypto payment flow. Users are redirected to a secure checkout page where they can pay with their bank account via Open Banking/SEPA Instant.

Key benefits:

Zero integration complexity
Built-in compliance and fraud protection
Real-time payment processing
Multi-language support

See Hosted Checkout for complete implementation guide.

Deposit Instructions (Coming Soon)

Generate manual bank transfer instructions for users who prefer traditional banking flows.

Limits and Requirements

Minimum amount: €1.50 (150 cents) for EUR payments
Supported currencies: EUR (more coming soon)
Destination: Must be a registered wallet account
Expiration: Payments expire 24 hours after creation
KYC: Required for customers above certain thresholds