What is a payin?
A payin is an operation that moves funds from the sender's bank account to the receiver's blockchain wallet.
The 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, receivers with enabled virtual accounts will have their own virtual account details displayed. For receivers without virtual accounts, BlindPay will generate a unique memo code and provide BlindPay's bank account details for the transaction.
Development vs production instance
On development instances all the payins are going to be automatically paid 30 seconds after initiation.
On production, these are the times that the system will wait 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 |
Initiating a payin process
You can check the required fields in the BlindPay API Docs.
Before creating a payin, you need to:
- Create an account on BlindPay
- Create a development instance
- Create your API key
- Create a receiver
- Add a blockchain wallet
- Generate a payin quote
Remember: replace YOUR_SECRET_TOKEN with your API key, in_000000000000 with your instance ID, and pq_000000000000 with the payin quote you generated previously.
Supported Networks: BlindPay supports payins on EVM chains (Ethereum, Polygon, Base, Arbitrum), Stellar, and Solana. The stablecoins will be sent from BlindPay's treasury to your specified blockchain wallet address after fiat payment is confirmed.
Congratulations! You've initiated your first payin using BlindPay. If you want to initiate more payins you need to generate a new payin quote and do the API request again.
Blockchain Network Support
BlindPay supports payins on multiple blockchain networks:
- EVM Chains: Ethereum, Polygon, Base, Arbitrum (USDC, USDT)
- Stellar: Stellar mainnet and testnet (USDC)
- Solana: Solana mainnet and devnet (USDC, USDT)
When you create a blockchain wallet with a Solana address, BlindPay will automatically detect the network type and handle the token transfer accordingly once the fiat payment is confirmed.
Testing scenarios
By default all the payins are automatically completed in 'development' instances, but you can force 'refund' and 'failed' scenarios by adding specific values to the payin amount.
| Amount | Result Status |
|---|---|
| 666.00 | Failed |
| 777.00 | Refunded |