What it is
A payin is an operation that moves funds from the sender's bank account to the customer's blockchain wallet. You can also receive stablecoins directly into a BlindPay-managed wallet by using wallet_id instead of blockchain_wallet_id when creating the payin quote.
How it works
A payin can only be executed if a payin quote was created previously, and you have 5 minutes to initiate the payin before the quote expires.
For US payments, customers with enabled virtual accounts will have their own virtual account details displayed. For customers without virtual accounts, BlindPay will generate a unique memo code and provide BlindPay's bank account details for the transaction.
Settlement times
On development instances all payins are automatically paid 30 seconds after initiation.
On production, these are the times the system waits for the payment to arrive:
| Payment method | Currency | Waiting time for arrival | Data to share to the end user |
|---|---|---|---|
| ach | USD 🇺🇸 | 5 business days | memo_code (ignored if virtual account is enabled) and blindpay_bank_details |
| wire | USD 🇺🇸 | 5 business days | memo_code (ignored if virtual account is enabled) and blindpay_bank_details |
| pix | BRL 🇧🇷 | 5 minutes | pix_code as copyable text or qr code |
| clabe | MXN 🇲🇽 | 5 minutes | clabe and copyable text |
| transfers | ARS 🇦🇷 | 5 minutes | cbu as copyable text |
| pse | COP 🇨🇴 | 5 minutes | payment link |
Supported networks
BlindPay supports payins on multiple blockchain networks. The stablecoins are sent from BlindPay's treasury to your specified blockchain wallet address after fiat payment is confirmed.
- EVM Chains: Ethereum, Polygon, Base, Arbitrum (USDC, USDT)
- Stellar: Stellar mainnet and testnet (USDC)
- Solana: Solana mainnet and devnet (USDC, USDT)
BlindPay Stellar mainnet wallet: GCOSSQDM2SWMHRP7CDBOLL2V45NHCRLUWUCEHPPBA2ABCOOLPOLZKIHE. This is the treasury wallet that sends stablecoins to your blockchain wallet after fiat payment is confirmed.
When you create a blockchain wallet with a Solana address, BlindPay automatically detects the network type and handles the token transfer accordingly once the fiat payment is confirmed.
Prerequisites
You also need a blockchain wallet and a payin quote.
Create a payin
You can check the required fields in the BlindPay API Docs.
YOUR_SECRET_TOKEN with your API key and in_000000000000 with your instance ID. Replace pq_000000000000 with the payin quote you generated previously.
Done. To initiate more payins, generate a new payin quote and repeat the API request.
Testing scenarios
By default all payins are automatically completed in development instances. Force refund and failed scenarios by adding specific values to the payin amount.
| Amount | Result Status |
|---|---|
| 666.00 | Failed |
| 777.00 | Refunded |