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The card rail runs both ways. A buyer spends fiat on a card and stablecoin settles to a wallet, or a user sends stablecoin and money lands on the card they already hold. Card details are entered on a hosted payment page - they never touch your page or ours, so PCI scope stays out of your product.

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Before you start

  • An API key, and the /v1 prefix - see Authentication.
  • A destination wallet and chain. USDC on Arbitrum is the default.
  • A country and currency that are actually open. Read them from Card countries and Card currencies rather than hard-coding a list.

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Buying with a card

1

Price it

POST /v1/card/quote with the fiat currency and the amount the buyer pays.The call is anonymous - no account, no wallet, no identity - so you can show a price before asking the buyer for anything. You get back what they receive, the rate, the provider fee, our markup, and the total.See Quote a card payment.
2

Verify the buyer

POST /v1/card/kyc-token returns a token for the identity check. A first-time buyer verifies once; the same person is recognised afterwards.See Card KYC token.
3

Start the payment

POST /v1/card/purchase returns redirectUrl - the hosted card page. Send the buyer there to enter card details or pick Apple Pay, and to pass 3DS.See Start a card purchase.
4

Follow it to settlement

POST /v1/card/status until it settles, or take the webhook and stop polling. Statuses are listed on Transaction statuses.
Fees are inside the total, not added on top. A total of 100.00 with a providerFee of 7.00 means the buyer is charged 100.00 and 93.00 is converted. Showing the two figures side by side without saying so reads as a surcharge.
Read cryptoCurrency from the response, never assume USDC. The corridor is configurable, and the sandbox settles a different asset than production. An amount printed next to the wrong ticker looks like a broken product.

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Paying out to a card

Payouts run quote, then execute, then status - the same order as every payout on the platform. The quote holds a rate for a short window, and executing inside that window is what locks it. Nothing moves until the user sends stablecoin to the address the quote names.
1

Quote

POST /v1/card/payout/quote - what lands on the card, and what has to be sent. See Quote a card payout.
2

Execute

POST /v1/card/payout against that quote, with the card the money lands on. See Card payout.
3

Status

POST /v1/card/payout/status until the money arrives. See Card payout status.
Card payouts settle in EUR, GBP and USD only. Payins cover a wider set. Do not infer one direction’s coverage from the other’s.

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What to look up instead of hard-coding

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Apple Pay

Apple Pay is part of this product, not a separate rail. It is offered on the hosted page today, and a native in-app sheet is planned through the API - see Apple Pay.
  • The other way money comes in: Payins.
  • Testing without real money: Sandbox.