---
url: /docs/stablecoin/payins.md
description: >-
  Create a payin from a payin quote and track the stablecoin delivery to a
  blockchain wallet or managed wallet.
---

A payin is the object that actually moves money: it consumes a [payin quote](/stablecoin/payin-quotes) and tells BlindPay to start waiting for the sender's fiat deposit. Everything about the transfer (amount, payment method, fees, destination wallet) was already locked in when you created the quote; the payin itself takes a single field and then tracks delivery through to the wallet.

## How it works

```
payin quote (pq_...) -> create the payin -> sender completes the deposit -> BlindPay confirms funds -> stablecoins delivered on-chain
```

A payin quote expires 5 minutes after creation, so create the payin before then. Once created, a payin cannot be canceled: if the sender never completes the deposit, the payin stays `processing` until it is cleaned up on BlindPay's side.

You also need a customer with a [blockchain wallet](/stablecoin/blockchain-wallets) (`bw_...`) or a [managed wallet](/stablecoin/store) (`bl_...`), and a [payin quote](/stablecoin/payin-quotes) (`pq_...`).

## Create a payin

Replace `pq_000000000000` with the payin quote you generated previously.

```bash [cURL]
curl https://api.blindpay.com/v1/instances/in_000000000000/payins/evm \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer YOUR_API_KEY' \
  --data '{
  "payin_quote_id": "pq_000000000000"
}'
```

### Response

```json
{
  "id": "pi_000000000000",
  "status": "processing",
  "pix_code": null,
  "memo_code": "8K45GHBNT6BQ6462",
  "clabe": null,
  "partner_fee": 0,
  "receiver_id": "re_000000000000",
  "receiver_amount": 9900,
  "payment_method": "ach",
  "sender_amount": 10000,
  "billing_fee_amount": null,
  "transaction_fee_amount": 100,
  "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 Letterman Drive, Building A, Suite A4-700",
      "address_line_2": "San Francisco, CA 94129"
    }
  },
  "tracking_transaction": { "step": "processing" },
  "tracking_payment": { "step": "on_hold" },
  "tracking_complete": { "step": "on_hold" },
  "tracking_partner_fee": { "step": "on_hold" }
}
```

`receiver_amount` is the stablecoin amount, in minor units, that the destination wallet will receive once the deposit clears. The fiat-side fields (`memo_code`, `blindpay_bank_details`, `pix_code`, `clabe`) mirror whichever `payment_method` was set on the quote; only the relevant one is populated.

## Stablecoin delivery

Once the fiat deposit is confirmed, BlindPay converts it and sends the equivalent stablecoins on-chain to the destination wallet you set on the payin quote (`blockchain_wallet_id` or `wallet_id`). Delivery happens automatically; there is no separate call to trigger it.

| Chain | Tokens |
| --- | --- |
| Ethereum, Polygon (EVM) | USDC, USDT |
| Base, Arbitrum (EVM) | USDC |
| Stellar | USDC |
| Solana | USDC, USDT |

BlindPay detects the destination's network from the wallet record itself, so the same `POST /payins/evm` call works for every chain above; you don't select a network explicitly on the payin.

## Monitoring window

On development instances every payin auto-completes about 30 seconds after creation, regardless of payment method. On production, BlindPay waits for the underlying fiat to actually land before converting and sending anything:

| `payment_method` | Currency | Typical arrival window |
| --- | --- | --- |
| `ach` | USD | up to 5 business days |
| `wire` | USD | up to 5 business days |
| `pix` | BRL | up to 5 minutes |
| `spei` | MXN | up to 5 minutes |
| `transfers` | ARS | up to 5 minutes |
| `pse` | COP | up to 5 minutes |

See [cut-off times](/kb/cut-off-times) for the full settlement-window reference.

## Status lifecycle

| `status` | Meaning | Terminal? |
| --- | --- | --- |
| `processing` | Waiting for the deposit to arrive, or converting/sending stablecoins once it has | no |
| `on_hold` | Held for manual review (risk or compliance) before continuing | no |
| `completed` | Stablecoins delivered to the destination wallet | yes |
| `failed` | The payin did not go through | yes |
| `refunded` | The deposit was returned to the sender | yes |

Each `tracking_*` object on the payin (`tracking_transaction`, `tracking_payment`, `tracking_complete`, `tracking_partner_fee`) exposes a finer-grained `step` (`processing`, `on_hold`, `pending_review`, `completed`) for the corresponding stage, useful for building a detailed status view.

## Testing

On development instances every payin auto-completes about 30 seconds after creation, using the sandbox `USDB` token. Force a specific outcome instead by setting the payin quote's `request_amount` to one of these sentinel values:

| `request_amount` (minor units) | Result |
| --- | --- |
| `66600` ($666.00) | `failed` |
| `77700` ($777.00) | `refunded` |
| any other amount | `completed` after the normal ~30 second delay |

## Webhooks

| Event | Fires when |
| --- | --- |
| `payin.new` | The payin is created |
| `payin.update` | The payin's status or tracking data changes |
| `payin.complete` | The payin reaches `completed`, meaning stablecoins were delivered to the destination wallet |

See [webhooks](/learn/webhooks) for signature verification and full payload details.

## Related

* [Payin quotes](/stablecoin/payin-quotes): lock the amount, payment method, and destination wallet before creating a payin
* [On-ramp](/stablecoin/receive): the end-to-end receive flow, including multi-corridor quote requests
* [Blockchain wallets](/stablecoin/blockchain-wallets): add the external wallet that receives delivered stablecoins
* [Managed wallet](/stablecoin/store): an alternative destination that holds delivered stablecoins in a BlindPay-custodied balance
* [Supported chains](/kb/supported-chains): full chain and token matrix