Creating a Cryptocurrency Payment

Create a card payment for a cryptocurrency transaction.

Note

The cryptocurrency feature is in beta testing. To enable this feature, contact Rapyd Client Support.

Relevant to payment method types that support this feature.

The Create Payment request for cryptocurrency must include the fields required for an account funding transaction (AFT). See Creating an AFT Payment.

The purchase of cryptocurrency is considered a high risk activity by card networks. For cryptocurrency transactions, card networks require additional monitoring and risk controls to improve security and compliance with anti-money laundering (AML) regulations.

Each cryptocurrency purchase transaction in Rapyd requires a special indicator and additional required fields related to the cardholder.

You can transfer cryptocurrency from a card:

Indirectly through the company wallet of a licensed business entity that manages the customer’s wallet, to top up the wallet for later purchase of cryptocurrency. The business forwards the cryptocurrency to the customer’s wallet. In the payment request, you specify the customer object.
Directly to the cardholder’s own wallet. In the payment request, you include the person ewallet.

Transferring Cryptocurrency Indirectly

Use the following Create Payment request parameters:

Set payment_method_options.special_condition_indicator to cryptocurrency.
Set payment_method_options.aft to true.
Set payment_method_options.purpose_code to crypto_currency.
Set the ID of the customer object or create a customer. See Create Customer.
In the customer object:
- date_of_birth is required.
- The following fields are recommended:
  - birth_country
  - email
  - nationality
  - occupation
- The following customer address fields are required. See Create Address.
  - city
  - country
  - line_1 of the address
  - phone_number
  - zip

Cryptocurrency for customer: Request

curl -X post
https://sandboxapi.rapyd.net/v1/payments/
-H 'access_key: your-access-key-here'
-H 'Content-Type: application/json'
-H 'idempotency: your-idempotency-parameter-here'
-H 'salt: your-random-string-here'
-H 'signature: your-calculated-signature-here'
-H 'timestamp: your-unix-timestamp-here'
-d '{
    "amount": 4,
    "currency": "GBP",
    "description": "Cryptocurrency payment - customer",
    "capture": true,	
    "complete_payment_url": "https://complete.example.net",    
    "error_payment_url": "https://error.example.net",
    "payment_method": {
        "type": "at_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "31",
            "cvv": "456",
            "name": "John Doe"
        }
    },	
    "payment_method_options": {
        "special_condition_indicator": "cryptocurrency",
        "aft": true,
        "purpose_code": "crypto_currency"
    },
    "customer": {
        "name": "John Doe",
        "email": "johndoe@rapyd.net",
        "business_vat_id": "12345678915",
        "occupation": "developer",
        "birth_country": "US",
        "date_of_birth": "09/12/1997",
        "nationality": "US",
        "phone_number": "+19175551234",
        "addresses": [{
                "name": "John Doe",
                "line_1": "123 State Street",
                "line_2": "Apt.34",
                "line_3": "",
                "city": "Anytown",
                "state": "NY",
                "country": "US",
                "zip": "12345",
                "phone_number": "12125559999"
            }
        ]
    }
}
'

Cryptocurrency for customer: Response

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "b4e297ad-ba06-46c4-b026-f0313c752196"
    },
    "data": {
        "id": "payment_71fbb2bf0ffeca6029cc0748dfb0d76e",
        "amount": 4,
        "original_amount": 4,
        "is_partial": false,
        "currency_code": "GBP",
        "country_code": "AT",
        "status": "CLO",
        "description": "Cryptocurrency payment - customer",
        "merchant_reference_id": "",
        "customer_token": "cus_e43c4977b914239bf46dcbc52a225183",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "at_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "CREDIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "VISA EUROPE LIMITED",
                "country": "GB",
                "bin_number": "411111"
            },
            "expiration_year": "31",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_67f3a5bc9766b181f1624a6260174345",
            "network_reference_id": "000000564531014",
            "payment_account_reference": "V0010013018036782991622965076"
        },
        "auth_code": "663915",
        "expiration": 1748504528,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://complete.example.net",
        "error_payment_url": "https://error.example.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1747899728,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1747899729,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_5efc4cbe901b903df7bb3f26eb769331",
        "ewallets": [
            {
                "ewallet_id": "ewallet_5efc4cbe901b903df7bb3f26eb769331",
                "amount": 4,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "aft": true,
            "purpose_code": "crypto_currency",
	    "special_condition_indicator": "cryptocurrency"	
        },
        "payment_method_type": "at_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "mid_0f15e88b73d11e3eab39f5bad87e0759",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Transferring Cryptocurrency Directly

Use the following Create Payment request parameters:

Set payment_method_options.special_condition_indicator to cryptocurrency.
Set payment_method_options.aft to true.
Set payment_method_options.purpose_code to crypto_currency.
Set the ID of the cardholder’s person ewallet. See Create Wallet.
The cardholder’s first name, last name, and country must match the values of the wallet contact.
The following wallet contact fields are required. See Add Contact to Wallet.
- first_name
- last_name
- country
- The following wallet contact address fields are required. See Create Address.
  - city
  - line_1 of the address
  - zip

Cryptocurrency for person wallet: Request

curl -X post
https://sandboxapi.rapyd.net/v1/payments/
-H 'access_key: your-access-key-here'
-H 'Content-Type: application/json'
-H 'idempotency: your-idempotency-parameter-here'
-H 'salt: your-random-string-here'
-H 'signature: your-calculated-signature-here'
-H 'timestamp: your-unix-timestamp-here'
-d '{
    "amount": 1.07,
    "currency": "EUR",
    "description": "Cryptocurrency payment - person wallet",
    "capture": true,
    "ewallet": "ewallet_4d4b74f67ddf7cd8fd9ea33bf72aa3bd",
    "complete_payment_url": "https://complete.example.net",
    "error_payment_url": "https://error.example.net",
    "payment_method": {
        "type": "nl_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "11",
            "expiration_year": "31",
            "cvv": "123",
            "name": "John Doe"
        }
    },
    "payment_method_options": {
        "special_condition_indicator": "cryptocurrency",
        "aft": true,
        "purpose_code": "crypto_currency"
    }
}
'

Cryptocurrency for person wallet: Response

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "851d1197-b7b0-43b2-a3c1-1353e227cf75"
    },
    "data": {
        "id": "payment_bafcc78a0542ef64f3bbd145c130690c",
        "amount": 1.07,
        "original_amount": 1.07,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "NL",
        "status": "CLO",
        "description": "Cryptocurrency payment - person wallet",
        "merchant_reference_id": "",
        "customer_token": "cus_77dbcd9f07c1d78a7702a46a3d8c1d4e",
        "payment_method": "card_38f74ed0a42211b2c9a08aa945074875",
        "payment_method_data": {
            "id": "card_38f74ed0a42211b2c9a08aa945074875",
            "type": "nl_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "CREDIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "country": "NL",
                "bin_number": "411111"
            },
            "expiration_year": "31",
            "expiration_month": "11",
            "fingerprint_token": "ocfp_c6abbccb3440fcb0fc34ae14126607fa",
            "network_reference_id": "000000111222999",			
            "payment_account_reference": "V0010013018036782991622965076"
        },
        "auth_code": "003603",
        "expiration": 1748504528,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://complete.example.net",
        "error_payment_url": "https://error.example.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1747899728,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1747899729,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": ""
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_4d4b74f67ddf7cd8fd9ea33bf72aa3bd",
        "ewallets": [
            {
                "ewallet_id": "ewallet_4d4b74f67ddf7cd8fd9ea33bf72aa3bd",
                "amount": 1.07,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "aft": true,
            "purpose_code": "crypto_currency",
	    "special_condition_indicator": "cryptocurrency"
        },
        "payment_method_type": "nl_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "mid_7b624b32f161313347d554138d81858",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},		
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

In this section:

Documentation

Creating a Cryptocurrency Payment

Note

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