Quick Start

Learn how to operate with our API. In this example, the process begins from zero and ends when a user makes a CAD (Canadian Dollar) payment, receiving it in PHP (Philippine peso).

Authenticate yourself

All your request must be authenticated, we will provide the required fields for this step.

Without authenticating yourself first, you won't be able to use our API.

Obtain your token before start interacting with our API

post

Body

accessIdstringRequired

Your private access identification

Example: 13lk24jk14j

secretIdstringRequired

Your private access secret identification

Example: A13IAKSPTOLXM1

merchantIdnumberRequired

Your ID

Example: 123

externalClientIdstringOptional

User external client ID

Example: ABCD

Responses

post

HTTPcURLJavaScriptPython

POST /auth HTTP/1.1
Host: 
Content-Type: application/json
Accept: */*
Content-Length: 97

{
  "accessId": "13lk24jk14j",
  "secretId": "A13IAKSPTOLXM1",
  "merchantId": 123,
  "externalClientId": "ABCD"
}

{
  "accessToken": "=12039124JUKASKNAUJRWRHRNA",
  "expiresIn": 3600,
  "tokenType": "Bearer"
}

---

Create a user

We need to know about your user existence.

Create a new User

post

Authorizations

Body

firstNamestringRequired

User first name

Example: John

lastNamestringRequired

User last name

Example: Doe

emailstringRequired

User email

Example: [e-mail]

addressstringRequired

User address

Example: Harcourt 4567

citystringRequired

User city

Example: Toronto

stateProvincestringRequired

User state/province

Example: Ontario

countryCodestringRequired

User ISO 3166 country code

Example: CAN

postalCodestringRequired

User postal code

Example: M4C

Responses

post

HTTPcURLJavaScriptPython

POST /user HTTP/1.1
Host: 
Authorization: Bearer JWT
Content-Type: application/json
Accept: */*
Content-Length: 175

{
  "firstName": "John",
  "lastName": "Doe",
  "email": "[e-mail]",
  "address": "Harcourt 4567",
  "city": "Toronto",
  "stateProvince": "Ontario",
  "countryCode": "CAN",
  "postalCode": "M4C"
}

{
  "externalClientId": "ABC-123",
  "id": 1
}

---

Create a Form for the user, allowing him to complete the required information.

Before the new user can engage with us, we must verify their identity successfully.

Get a form to register a user KYC

get

Authorizations

Path parameters

kycLevelstring · enumRequired

The KYC Level wanted for the KYC form instance

Possible values:

zonestring · enumRequired

The zone for the KYC form instance

Possible values:

Responses

get

HTTPcURLJavaScriptPython

GET /kyc/register/{kycLevel}/{zone} HTTP/1.1
Host: 
Authorization: Bearer JWT
Accept: */*

No content

About our KYC form

The user will encounter a form similar to this one and must provide all the necessary information:

After all the information has been provided and submitted, we will proceed to validate it.

Once we successfully validate it, the user will be notified.

If necessary, because we cannot validate the user's information on the first attempt, we will request it again.

---

Create the order

You will need to know the information required to create the order.

Find order requirements

get

Authorizations

Body

sendFiatstring · enumRequired

FIAT currency user wants to send

Example: CADPossible values:

receiveFiatstring · enumRequired

FIAT currency that will be received

Example: PHPPossible values:

Responses

get

HTTPcURLJavaScriptPython

GET /order/intent HTTP/1.1
Host: 
Authorization: Bearer JWT
Content-Type: application/json
Accept: */*
Content-Length: 38

{
  "sendFiat": "CAD",
  "receiveFiat": "PHP"
}

{
  "rateCode": "A valid rate code provided by the app",
  "senderDetails": {
    "personDetails": {
      "emailAddress": {
        "description": "Email address"
      },
      "firstName": {
        "description": "Family or last name"
      },
      "lastName": {
        "description": "Given or first name"
      },
      "address": {
        "description": "Entire address (country, state, postal code, street address, etc...) as a multi-line string"
      },
      "country": {
        "description": "Name of country"
      },
      "city": {
        "description": "Name of city/town"
      },
      "stateOrProvince": {
        "description": "Name of state/province/region/prefecture"
      },
      "idCountryCode": {
        "description": "Country issuing passport or photo ID as ISO 3166-1 alpha-3 code"
      },
      "postalCode": {
        "description": "Postal or other code identifying user's locale"
      }
    },
    "financialDetails": {
      "bankAccountNumber": {
        "description": "Number identifying bank account"
      },
      "bankCode": {
        "description": "Bank code to determine which bank the funds will arrive at"
      },
      "holderName": {
        "description": "Bank account holder name"
      }
    },
    "orderDetails": {
      "purpose": {
        "description": "Purpose or reason for this transaction"
      },
      "relationshipWithBeneficiary": {
        "description": "Relationship with beneficiary"
      },
      "method": {
        "description": "Method of payment: PAY-TO-ACCOUNT-REAL-TIME or PAY-TO-ACCOUNT-NON-REAL-TIME "
      }
    }
  },
  "receiverDetails": {
    "personDetails": {
      "emailAddress": {
        "description": "Email address"
      },
      "firstName": {
        "description": "Family or last name"
      },
      "lastName": {
        "description": "Given or first name"
      },
      "address": {
        "description": "Entire address (country, state, postal code, street address, etc...) as a multi-line string"
      },
      "country": {
        "description": "Name of country"
      },
      "city": {
        "description": "Name of city/town"
      },
      "stateOrProvince": {
        "description": "Name of state/province/region/prefecture"
      },
      "idCountryCode": {
        "description": "Country issuing passport or photo ID as ISO 3166-1 alpha-3 code"
      },
      "postalCode": {
        "description": "Postal or other code identifying user's locale"
      }
    },
    "financialDetails": {
      "bankAccountNumber": {
        "description": "Number identifying bank account"
      },
      "bankCode": {
        "description": "Bank code to determine which bank the funds will arrive at"
      },
      "holderName": {
        "description": "Bank account holder name"
      }
    },
    "orderDetails": {
      "purpose": {
        "description": "Purpose or reason for this transaction"
      },
      "relationshipWithBeneficiary": {
        "description": "Relationship with beneficiary"
      },
      "method": {
        "description": "Method of payment: PAY-TO-ACCOUNT-REAL-TIME or PAY-TO-ACCOUNT-NON-REAL-TIME "
      }
    }
  }
}

Now, You will create a rate with the amount and currency the user wants to send.

Create a Rate

post

Authorizations

Body

fiatInstring · enumRequired

The FIAT currency to be sent by the user

Example: CADPossible values:

fiatOutstring · enumRequired

The FIAT currency to be received

Example: PHPPossible values:

amountInnumberRequired

The Amount of fiatIn to be sent by the user

Example: 100

Responses

post

HTTPcURLJavaScriptPython

POST /rates HTTP/1.1
Host: 
Authorization: Bearer JWT
Content-Type: application/json
Accept: */*
Content-Length: 47

{
  "fiatIn": "CAD",
  "fiatOut": "PHP",
  "amountIn": 100
}

{
  "fiatIn": "CAD",
  "fiatOut": "PHP",
  "amountIn": 100,
  "amountOut": 100,
  "rate": 1,
  "code": "APIWQRQWKZXV",
  "expirationDate": "2024-04-15T12:37:34.794Z"
}

Now, the order can be created.

Create a new Order

post

Authorizations

Body

rateCodestringRequired

The Rate code that contains the currencies and amounts of the order

Example: AHOQWIRTZXV12

senderDetailsall ofRequired

Details of the sender

receiverDetailsall ofRequired

Details of the Receiver

Responses

post

HTTPcURLJavaScriptPython

POST /order HTTP/1.1
Host: 
Authorization: Bearer JWT
Content-Type: application/json
Accept: */*
Content-Length: 1040

{
  "rateCode": "AHOQWIRTZXV12",
  "senderDetails": {
    "personDetails": {
      "firstName": "John",
      "lastName": "Doe",
      "address": "123 Main Street",
      "city": "Toronto",
      "stateOrProvince": "Ontario",
      "idCountryCode": "CAN",
      "country": "Canada",
      "postalCode": "18934"
    },
    "financialDetails": {
      "bankCountryId": "CAN",
      "bankName": "BBVA",
      "holderName": "John Doe",
      "bankRoutingNumber": "123-45678",
      "bankAccountNumber": "3456789",
      "achCode": "ACH",
      "swiftBicCode": "SWIFT"
    },
    "orderDetails": {
      "purpose": "Gift",
      "relationshipWithBeneficiary": "Colleague",
      "method": "PAY-TO-ACCOUNT-REAL-TIME"
    }
  },
  "receiverDetails": {
    "personDetails": {
      "firstName": "John",
      "lastName": "Doe",
      "address": "123 Main Street",
      "city": "Toronto",
      "stateOrProvince": "Ontario",
      "idCountryCode": "CAN",
      "country": "Canada",
      "postalCode": "18934"
    },
    "financialDetails": {
      "bankCountryId": "CAN",
      "bankName": "BBVA",
      "holderName": "John Doe",
      "bankRoutingNumber": "123-45678",
      "bankAccountNumber": "3456789",
      "achCode": "ACH",
      "swiftBicCode": "SWIFT"
    },
    "orderDetails": {
      "purpose": "Gift",
      "relationshipWithBeneficiary": "Colleague",
      "method": "PAY-TO-ACCOUNT-REAL-TIME"
    }
  }
}

{
  "id": 1,
  "userId": 1,
  "amountIn": 100,
  "amountOut": 100,
  "fiatIn": "CAD",
  "fiatOut": "PHP",
  "serviceFee": 10,
  "status": "PENDING USER"
}

Once the user completes the payment with their bank, we will proceed to transfer the agreed-upon funds to the receiver's bank.

---

Please refer to our Webhooks reference to receive orders and KYC notifications. We will notify you when a user has successfully validated their identity and when an order has been paid and processed.

Webhooks