---
title: Payin Quote
description: Preview the fiat amount to send and the stablecoin amount the customer receives before creating a payin.
---

## What it is

A payin quote shows how much you or your customer must send in fiat and how much the customer receives in stablecoins. For example, onramping `1,000 USD` to a customer with a blockchain wallet on Polygon quotes `1,000 USD` sent and `990 USDC` received.

## How it works

Fees can be paid by either party:

| Payer    | Fee basis                                          | API setting         | Dashboard option                 |
| -------- | -------------------------------------------------- | ------------------- | -------------------------------- |
| Customer | Stablecoin (USDC, USDT) the customer receives      | `cover_fees: false` | Keep `Cover all payin fees` off  |
| Sender   | Fiat currency (USD, BRL) the sender sends          | `cover_fees: true`  | Enable `Cover all payin fees`    |

Customer-paid fees are the most common scenario.

![BlindPay customer paying for the fees](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/blindpay-payin-quote-cover-fees-false-min.jpg)

![BlindPay sender paying for the fees](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/blindpay-payin-quote-cover-fees-true-min.jpg)

`request_amount` does not accept float values. To send `$123.45`, pass `12345`.

::c-alert{icon="circle-info"}
**Remember**: all the examples below are using the `USDB` stablecoin which is only supported on `development` instances. In production, you should use the `USDC` or `USDT`.
::

## Prerequisites

::c-prerequisites
::

You also need a [customer](/docs/essentials/customers#create-a-customer) and a [blockchain wallet](/docs/essentials/blockchain-wallets#add-a-blockchain-wallet-secure).

## Create a payin quote

You can check the required fields in the [BlindPay API Docs](https://api.blindpay.com/reference#tag/payin-quotes/POST/v1/instances/{instance_id}/payin-quotes){target="\_blank"}.

::c-auth-note
::

::c-code-group

```bash [🇺🇸 ACH]
curl https://api.blindpay.com/v1/instances/in_000000000000/payin-quotes \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \
  --data '{
  "blockchain_wallet_id": "bw_000000000000",
  "currency_type": "sender",
  "cover_fees": true,
  "request_amount": 10000,
  "payment_method": "ach",
  "token": "USDB"
}'
```

```bash [🇺🇸 Wire]
curl https://api.blindpay.com/v1/instances/in_000000000000/payin-quotes \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \
  --data '{
  "blockchain_wallet_id": "bw_000000000000",
  "currency_type": "sender",
  "cover_fees": true,
  "request_amount": 10000,
  "payment_method": "wire",
  "token": "USDB"
}'
```

```bash [🇧🇷 Brazil PIX]
curl https://api.blindpay.com/v1/instances/in_000000000000/payin-quotes \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \
  --data '{
  "blockchain_wallet_id": "bw_000000000000",
  "currency_type": "sender",
  "cover_fees": false,
  "request_amount": 10000,
  "payment_method": "pix",
  "token": "USDB",
  "payer_rules": {
    "pix_allowed_tax_ids": [
      "14747677786"
    ]
  }
}'
```

```bash [🇲🇽 Mexico SPEI]
curl https://api.blindpay.com/v1/instances/in_000000000000/payin-quotes \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \
  --data '{
  "blockchain_wallet_id": "bw_000000000000",
  "currency_type": "sender",
  "cover_fees": false,
  "request_amount": 100000,
  "payment_method": "spei",
  "token": "USDB"
}'
```

```bash [🇦🇷 Argentina Transfers 3.0]
curl https://api.blindpay.com/v1/instances/in_000000000000/payin-quotes \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \
  --data '{
  "blockchain_wallet_id": "bw_000000000000",
  "currency_type": "sender",
  "cover_fees": false,
  "request_amount": 2000000,
  "payment_method": "transfers",
  "token": "USDB",
  "payer_rules": {
    "transfers_allowed_tax_id": "30-27383762-7"
  }
}'
```

```bash [🇨🇴 Colombia PSE]
curl https://api.blindpay.com/v1/instances/in_000000000000/payin-quotes \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \
  --data '{
  "blockchain_wallet_id": "bw_000000000000",
  "currency_type": "sender",
  "cover_fees": false,
  "request_amount": 20000000,
  "payment_method": "pse",
  "token": "USDB",
  "payer_rules": {
    "pse_full_name": "<Replace with payer full name>",
    "pse_document_type": "NIT",
    "pse_document_number": "<Replace with payer document number>",
    "pse_email": "<Replace with payer email>",
    "pse_phone": "<Replace with payer phone number>",
    "pse_bank_code": "<Replace with payer bank code>"
  }
}'
```

::

## Related

- [Payins](/docs/essentials/payins) · [Blockchain Wallets](/docs/essentials/blockchain-wallets) · [Customers](/docs/essentials/customers)
- [Payout Quotes](/docs/essentials/payout-quotes)