--- url: /docs/fiat/quickstart-payin.md description: >- Accept your first bank transfer and have BlindPay settle it to your customer automatically on a development instance. --- This guide walks through the minimum steps to receive a fiat payment: accept the terms of service, create a customer, give that customer a stablecoin delivery target, quote the payin, and create it. On a development instance the deposit settles automatically about 30 seconds after you create the payin. ## Before you begin You need a BlindPay account and an API key for a development instance. See [Instances](/learn/instances) and [API keys](/learn/api-keys). ### Accept terms of service Every instance requires a terms of service acceptance before you can create customers. For testing, you can accept on behalf of the customer; in production, your customer should accept the terms themselves. ```bash [cURL] curl --request POST \ --url https://api.blindpay.com/v1/e/instances/in_000000000000/tos \ --header 'Authorization: Bearer YOUR_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "idempotency_key": "" }' ``` Open the URL from the response in your browser, accept the terms, and copy the `tos_id` shown on the confirmation screen. You will pass this `tos_id` when you create the customer in the next step. ### Create a customer Every payment flows through a customer that has completed KYC. This example creates an individual customer with standard KYC. ```bash [cURL] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers \ --header 'Authorization: Bearer YOUR_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "tos_id": "to_000000000000", "type": "individual", "kyc_type": "standard", "email": "email@example.com", "tax_id": "12345678", "address_line_1": "8 The Green", "address_line_2": "#12345", "city": "Dover", "state_province_region": "DE", "country": "US", "postal_code": "02050", "ip_address": "127.0.0.1", "phone_number": "+13022006100", "proof_of_address_doc_type": "UTILITY_BILL", "proof_of_address_doc_file": "https://example.com/proof-of-address.jpg", "first_name": "John", "last_name": "Doe", "date_of_birth": "1998-01-01T00:00:00Z", "id_doc_country": "US", "id_doc_type": "PASSPORT", "id_doc_front_file": "https://example.com/passport-front.jpg", "selfie_file": "https://example.com/selfie.jpg" }' ``` Save the `id` from the response: this is your customer ID (`re_...`). On development instances, KYC is approved automatically. In production, automated review for standard KYC takes about 60 seconds. ### Create a managed wallet A payin needs somewhere to deliver the stablecoins once the fiat arrives, so it asks for a wallet ID rather than a bank detail. The simplest destination is a [managed wallet](/fiat/wallets): BlindPay generates the address and custodies the balance, so there is no external wallet to connect and nothing to sign. ```bash [cURL] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/wallets \ --header 'Authorization: Bearer YOUR_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "network": "base_sepolia", "name": "Quickstart Wallet" }' ``` Save the `id` from the response: this is your managed wallet ID (`bl_...`). This wallet is settlement plumbing, not the part you build a UI around. If your customer wants the stablecoins delivered to a wallet they control instead, register a [blockchain wallet](/stablecoin/blockchain-wallets) and pass its `blockchain_wallet_id` on the quote. And if you want deposits to arrive without memo codes, create a [virtual account](/fiat/virtual-accounts) for the customer. ### Create a payin quote A payin quote locks in how much fiat the sender sends and how much the customer receives before you create the payin. Pass `wallet_id` to target the managed wallet; BlindPay detects the delivery network from the wallet. This example quotes an ACH payin with the sender covering the fee, so `request_amount` is the amount the sender sends. ```bash [cURL] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/payin-quotes \ --header 'Authorization: Bearer YOUR_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "wallet_id": "bl_000000000000", "currency_type": "sender", "cover_fees": true, "request_amount": 10000, "payment_method": "ach", "token": "USDB" }' ``` `request_amount` is an integer in minor units, so `10000` here means $100.00. On development instances the token is always `USDB`, BlindPay's test stablecoin; in production use `USDC` or `USDT`. Save the `id` from the response: this is your payin quote ID (`pq_...`). You have 5 minutes to create the payin before the quote expires. ### Create the payin Create the payin from the quote ID. This is what generates the bank details your end user pays into. ```bash [cURL] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/payins/evm \ --header 'Authorization: Bearer YOUR_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "payin_quote_id": "pq_000000000000" }' ``` The response includes `memo_code` and `blindpay_bank_details`. Share these with the end user so they know where to send the ACH transfer and how to reference it. ```json [Response] { // ... "memo_code": "12345678", "blindpay_bank_details": { "routing_number": "121145349", "account_number": "621327727210181", "account_type": "Business checking", "beneficiary": { "name": "BlindPay, Inc.", "address_line_1": "8 The Green, #19364", "address_line_2": "Dover, DE 19901" }, "receiving_bank": { "name": "Example Bank, N.A.", "address_line_1": "1 Example Plaza", "address_line_2": "San Francisco, CA 94129" } } // ... } ``` If the customer has an enabled virtual account, the `memo_code` is ignored and the deposit goes straight to their dedicated account details instead. See [Virtual accounts](/fiat/virtual-accounts). ## What happens next On a development instance, the payin settles automatically about 30 seconds after you create it. Two webhooks confirm it: `payin.complete` for the payin itself and `wallet.inbound` when the stablecoins land in the managed wallet. In production, BlindPay waits up to 5 business days for an ACH or wire deposit to arrive before cancelling the payin if nothing shows up. Done. To receive another payment, create a new payin quote and repeat the last step. ## Related * [Bank transfer in](/fiat/receive): full reference for every payment method, including Pix, SPEI, and PSE * [Virtual accounts](/fiat/virtual-accounts): a dedicated deposit account whose deposits settle to the linked wallet * [Pay out to bank](/fiat/send): send funds back out to a bank account * [Webhooks](/learn/webhooks): handle payin and customer events in real time