Before you start

Before you proceed with choosing payment options, make sure that you have completed the following steps:

• Creating a Service account
• Issuing a JWT token
• Managing JWT tokens

Supported transaction types

Our services support two transaction types: PayIns and PayOuts. For merchants, PayIns offer two distinct integration methods: Widget and H2H. In both types of the PayIn transaction processing, the client transfers fiat currency to top up an account.

Processing PayIns via Widget integration

Using the Widget integration, the merchant receives a link for the client, which triggers an API request (get credentials) to retrieve the transfer details. These details are displayed to the client, who completes the transfer.

Processing PayIns via H2H integration

For H2H, the merchant integrates directly using their own widget while implementing the required API methods to process the transaction.

Below is a diagram showing all this process in detail:

Processing 2-step PayOuts

Two-stage payouts are used in scenarios where, for example, you need to convert from a digital asset like USDT into a fiat currency. The process involves obtaining a quote first and then creating a payout request using that quote. Below are the key steps:

• Stage one: Obtain a quote.
• Stage two: Create a request based on the quote.

When to use 2-step PayOuts

This approach is relevant when you operate with payouts in the USDT → fiat model.

Typical flow

1. Suppose a client wants to transfer money to Armenia. The recipient in Armenia needs AMD, but the client has UZS.
2. The client enters an amount in UZS (their local currency).
3. You calculate and display the amount the recipient will get (in AMD).
4. You send a request to our service, indicating the amount in UZS. We return the converted amount in AMD, accounting for all fees.
5. During this quote calculation, a unique quoteId is issued. If the client agrees to the exchange, you use this quoteId to create the payout request.

Quote expiration

The quote is fixed for a limited time, typically no more than 10 minutes.

Creating the PayOut request

When creating the payout request, do not specify the payout amount. Instead, include the quoteId obtained from the previous step. This ensures that the previously calculated amount (quote) is used for the payout.

Below is a diagram showing all this process in detail: