> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rheon.io/llms.txt
> Use this file to discover all available pages before exploring further.

# On/off ramps with cards

> Buy stablecoins with a card, and pay out to a card a user already holds.

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.

| Direction             | The user does                                            | Ends as                                              |
| --------------------- | -------------------------------------------------------- | ---------------------------------------------------- |
| **On-ramp (buy)**     | Pays by card or Apple Pay on the hosted page, passes 3DS | Stablecoin settled to the wallet and chain you named |
| **Off-ramp (payout)** | Sends stablecoin to the address the quote names          | Fiat on the card they already hold                   |

## Before you start

* An API key, and the `/v1` prefix - see [Authentication](/api-reference/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](/api-reference/card-countries) and
  [Card currencies](/api-reference/card-currencies) rather than hard-coding a list.

## Buying with a card

<Steps>
  <Step title="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](/api-reference/card-quote).
  </Step>

  <Step title="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](/api-reference/card-kyc-token).
  </Step>

  <Step title="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](/api-reference/card-purchase).
  </Step>

  <Step title="Follow it to settlement">
    `POST /v1/card/status` until it settles, or take the [webhook](/webhooks) and
    stop polling. Statuses are listed on
    [Transaction statuses](/transactions/statuses).
  </Step>
</Steps>

<Warning>
  **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.
</Warning>

<Note>
  **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.
</Note>

## 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.

<Steps>
  <Step title="Quote">
    `POST /v1/card/payout/quote` - what lands on the card, and what has to be sent.
    See [Quote a card payout](/api-reference/card-payout-quote).
  </Step>

  <Step title="Execute">
    `POST /v1/card/payout` against that quote, with the card the money lands on.
    See [Card payout](/api-reference/card-payout).
  </Step>

  <Step title="Status">
    `POST /v1/card/payout/status` until the money arrives.
    See [Card payout status](/api-reference/card-payout-status).
  </Step>
</Steps>

<Warning>
  **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.
</Warning>

## What to look up instead of hard-coding

| Question                        | Endpoint                                          |
| ------------------------------- | ------------------------------------------------- |
| Which currencies can be spent   | [Card currencies](/api-reference/card-currencies) |
| Which countries are open        | [Card countries](/api-reference/card-countries)   |
| Minimum and maximum per payment | [Card limits](/api-reference/card-limits)         |
| The rate right now              | [Card rate](/api-reference/card-rate)             |

## 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](/products/apple-pay).

## Related

* The other way money comes in: [Payins](/products/ramps/payins).
* Testing without real money: [Sandbox](/sandbox).