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The Create Payment endpoint initiates a cross-border stablecoin payment to a recipient bank account. You supply the source stablecoin amount, the destination currency, the corridor identifier, and your recipient’s banking details — RemitFlex then orchestrates on-chain settlement and fiat delivery on your behalf. Optionally, you can lock in an exchange rate by attaching a quote_id from the Conversions Quote endpoint before submitting.

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Request

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amount
number
required
Payment amount denominated in the source currency. Must be a positive number with up to 6 decimal places.
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currency
string
required
Source stablecoin to send. Accepted values: USDC, USDT, EURC, PYUSD.
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destination_currency
string
required
Target currency the recipient will receive. Accepts fiat ISO 4217 codes (e.g., EUR, MXN, GBP) or a supported stablecoin symbol.
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corridor
string
required
Payment corridor identifier that defines the source-to-destination routing path (e.g., US-EU, US-MX). Corridors determine available currencies, cut-off times, and delivery SLAs.
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recipient
object
required
Details of the individual or entity receiving the payment.
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reference
string
Your internal payment reference, such as an invoice number or order ID. Maximum 255 characters. Passed through to the recipient bank where supported.
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quote_id
string
ID of a pre-fetched conversion quote (prefix qt_). When provided, the locked exchange rate from that quote is applied. If omitted, RemitFlex applies the live market rate at the time of processing. Quotes expire after 30 seconds — see Get a Quote.
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metadata
object
Arbitrary key-value pairs you can attach to the payment for your own tracking or reconciliation. Values must be strings. Not forwarded to the recipient or their bank.

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Response

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id
string
Unique payment identifier with prefix pmt_. Use this ID to retrieve, monitor, or cancel the payment.
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status
string
Current lifecycle status of the payment. Possible values:
ValueDescription
pendingPayment received and queued for processing.
processingOn-chain settlement is in progress.
settledStablecoin settlement confirmed on-chain.
deliveredFunds delivered to the recipient’s bank account.
failedPayment could not be completed.
cancelledPayment was cancelled before processing began.
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amount
number
The source payment amount you submitted.
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currency
string
Source stablecoin used for the payment.
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destination_currency
string
Target currency the recipient receives.
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converted_amount
number
Amount delivered to the recipient in destination_currency, after applying the exchange rate and deducting fees.
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exchange_rate
number
The applied conversion rate from currency to destination_currency.
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fee
number
Total RemitFlex fee deducted from the payment, denominated in currency.
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recipient
object
Recipient details associated with the payment.
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reference
string
The internal reference you provided at creation, if any.
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corridor
string
The corridor identifier used to route the payment.
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created_at
string
ISO 8601 timestamp of when the payment was created.
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updated_at
string
ISO 8601 timestamp of the most recent status update.
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estimated_delivery
string
ISO 8601 timestamp of the projected delivery time to the recipient’s bank account. This is an estimate and may vary based on corridor SLAs and banking cut-off times.

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Examples

curl -X POST https://api.remitflex.com/v1/payments \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 500,
    "currency": "USDC",
    "destination_currency": "EUR",
    "corridor": "US-EU",
    "recipient": {
      "name": "Maria Garcia",
      "account_number": "ES9121000418401234567891",
      "bank_code": "CAIXESBBXXX",
      "bank_country": "ES"
    },
    "reference": "Invoice #INV-2024-001"
  }'

{
  "id": "pmt_01HX4N3RABCDEF",
  "status": "pending",
  "amount": 500,
  "currency": "USDC",
  "destination_currency": "EUR",
  "converted_amount": 461.25,
  "exchange_rate": 0.9225,
  "fee": 2.50,
  "corridor": "US-EU",
  "recipient": {
    "name": "Maria Garcia",
    "account_number": "ES9121000418401234567891",
    "bank_country": "ES"
  },
  "reference": "Invoice #INV-2024-001",
  "created_at": "2024-01-15T10:30:00Z",
  "updated_at": "2024-01-15T10:30:00Z",
  "estimated_delivery": "2024-01-15T14:30:00Z"
}