Welcome
Complete implementation guides for Coinflow checkout, payouts, subscriptions, and marketplace solutions
Welcome to Coinflow
Coinflow is a complete payment infrastructure platform that enables businesses to accept payments from any customer — credit cards, bank transfers, digital wallets, and more — and pay out to users around the world. Our platform handles payment processing, fraud protection, compliance, and settlement so you can focus on building your product.
Coinflow is used by SaaS companies, marketplaces, gaming platforms, and consumer apps as their primary payment processor, with additional rails available for businesses that need them.
New to Coinflow? Start with our Account Setup guide to set up your account and make your first integration.
Core Features
Checkout & Pay-ins
Accept credit cards, ACH, Apple Pay, Google Pay, and international bank transfers from customers globally.
Payouts & Withdrawals
Send funds to users via bank transfers, debit cards, and digital wallets with instant, same-day, or standard settlement.
Subscriptions
Create and manage recurring payment plans with support for multiple payment methods and billing cycles.
Marketplace Solutions
Build multi-sided marketplaces with split payments, escrow, and automated seller payouts.
Pay-in Methods
Coinflow supports a wide range of payment methods for collecting funds from customers:
| Payment Method | Supported Regions |
|---|---|
| Credit Card / Debit Card | Global (except restricted countries) |
| Apple Pay | Global (except restricted countries) |
| Google Pay | Global (except restricted countries) |
| PayPal | Global (except restricted countries) |
| Cash App Pay | United States |
| ACH Bank Transfer | United States |
| Wire Transfer | United States |
| SEPA | European Union |
| UK Faster Payments | United Kingdom |
| PIX | Brazil |
Payment method availability varies by region. See Supported Countries for full details. Stablecoin/Cryptocurrency pay-ins are also available as an optional, advanced rail.
Payout Methods
Send funds to your users through their preferred payout channel:
| Payout Method | Speed | Supported Regions |
|---|---|---|
| RTP (Real-Time Payments) | Instant (seconds) | United States (~80% of bank accounts) |
| Push-to-Card | Instant (seconds) | United States (Visa/Mastercard debit) |
| Apple Pay Payouts | Instant (seconds) | United States |
| Same-Day ACH | Within 24 business hrs | United States |
| Standard ACH | 3 business days | United States |
| SEPA Instant | Instant (seconds) | European Union |
| SEPA Standard | 1–2 business days | European Union |
| UK Faster Payments | Instant (seconds) | United Kingdom |
| PIX | Instant (seconds) | Brazil |
| Interac e-Transfer | Instant (seconds) | Canada |
| EFT | 1–3 business days | Canada |
| PayPal | Instant (seconds) | Global |
| Venmo | Instant (seconds) | United States |
| Wire Transfer | 1–2 business days | United States |
View all supported payout countries and currencies →
Implementation Paths
Choose the integration method that best fits your use case:
SDK
Embed Coinflow’s pre-built UI components directly in your application. Available for web and all major mobile platforms.
Web (React):
- Drop-in React components with full branding control
- React SDK Documentation →
Mobile:
Best for:
- React or mobile applications
- Custom branded experiences
- Embedded payment flows without building payment UI from scratch
Hosted Page (iframe)
The fastest way to get started. Coinflow renders a pre-built, fully hosted checkout UI inside an iframe on your page — no payment UI to build or maintain.
Best for:
- Fastest time-to-launch
- Teams with limited frontend resources
- Consistent, battle-tested payment UX
How it works: You generate a signed checkout URL and embed it in your page. Coinflow handles all card fields, validation, and submission in a PCI-compliant iframe.
API Integration
Full control over the payment experience with direct API access. Build completely custom UIs while leveraging Coinflow’s infrastructure.
Best for:
- Fully custom payment UIs
- Advanced integrations with existing checkout flows
- Headless or non-React front-ends
Settlement Options
After a payment is collected, Coinflow settles funds to your configured destination. Here are the available options:
Coinflow Wallet (Recommended - Easiest to Start)
The simplest option to get up and running. Funds are held in a Coinflow managed account associated with your merchant account. All you need to do is set up the account and start receiving payments.
- Funds available in your Coinflow dashboard immediately after settlement
- Initiate payouts to your users directly from your Coinflow balance
- Daily push to your company bank account available on request (see below)
Daily Bank Push (ACH to Your Company Account)
For merchants who want funds swept to a bank account on a regular cadence. Coinflow can automatically send your settled balance to your company’s bank account on a daily basis.
- Automated daily settlement to your business bank account
- Works alongside the Coinflow account - funds accumulate intraday, then sweep at end of day
- Best for businesses that want settled funds in their bank account
Additional settlement options are available for businesses with advanced or programmatic settlement needs. View all settlement locations →
Security & Fraud Protection
Coinflow provides multiple layers of protection out of the box:
AI-Powered Chargeback Protection
Coinflow’s fraud engine scores every transaction in real time and guarantees coverage for approved transactions that later result in chargebacks.
3D Secure (3DS)
Strong customer authentication that shifts chargeback liability to the card issuer for verified transactions.
Address Verification (AVS)
Validate billing addresses against card-issuer records to filter out fraudulent card-not-present transactions.
PCI Compliance
Coinflow’s hosted iframe and SDK keep card data fully out of your servers. Achieve PCI compliance without a costly audit.
Strong Authentication
Require additional identity verification steps for high-risk or high-value transactions.
Signed Checkout Parameters
Cryptographically sign checkout session parameters server-side so they cannot be tampered with by end users.
Developer Resources
Webhooks
Receive real-time notifications about payment events, status changes, and settlement updates.
Testing & Sandbox
Test your integration safely with sandbox credentials and test payment methods before going live.
Custom Branding
Customize the checkout experience with your brand colors, logo, and styling.
Merchant Dashboard
Monitor transactions, manage refunds, configure settlement, and access reporting tools.
Quick Links
Need help? Contact support@pay.plasma.to for integration support.
- How Checkout Works — Understand the payment flow end to end
- Settlement Locations — Configure where and how funds are delivered to you
- Error Codes — Troubleshoot integration issues