Payins (onramp)

A payin turns a user’s fiat bank transfer into stablecoins. The user pays Zapyd’s collection account, and Zapyd delivers USDT or USDC on the network you choose. Base URL: https://sandbox.zapyd.com/pis/api/v1. Customer calls use /cms/api/v1 and limit calls use /ren/api/v1.

Before you start

The customer is VERIFIED. See Onboard customers.
Your webhook URL is registered.
Your organization has a delivery wallet for each asset and network you use. Zapyd sets this up during onboarding.

Flow

1. Read the configuration

GET /payin/configuration returns, for each fiat, the supported assets and networks, the crypto minimum and maximum per network and payment method, settlement times, and the risk parameters you must send. Cache it and refresh it daily.

{
  "inr": {
    "supported_assets": ["usdt", "usdc"],
    "supported_networks": { "usdt": ["tron", "polygon"], "usdc": ["polygon"] },
    "coin_limits": {
      "usdt": {
        "tron": { "imps": { "min": 28, "max": 5563 }, "upi": { "min": 28, "max": 1113 } }
      }
    },
    "required_risk_parameters": ["ip_address", "device_id", "suspicious_activity_report", "law_enforcement_agency_report"],
    "payment_methods": {
      "imps": { "min_settlement_time": 1, "max_settlement_time": 30 },
      "upi": { "min_settlement_time": 1, "max_settlement_time": 30 }
    }
  }
}

2. Check the customer’s limit

GET /ren/api/v1/payin/limits/{customer_id} returns the customer’s daily limit, how much is left, and whether they need Enhanced Due Diligence.

Result	What to do
`available_limit` covers the amount	Continue
Not enough limit, `is_edd_required: true`	Ask the user to complete EDD, then check again
Not enough limit, `is_edd_required: false`	Block the order until `full_limit_reset_timestamp`

3. Create a quotation

Optionally show a live rate first with GET /payin/fetch-rate. When the user confirms, create a quotation with POST /payin/quotation. It locks the rate until expiry_time.

{
  "customer_id": "8da49e5e-33d1-48b2-b107-eb34f851b2fd",
  "asset": "USDC",
  "fiat": "INR",
  "network": "polygon",
  "payment_method": "IMPS",
  "sending_amount": "10000",
  "risk_parameters": {
    "ip_address": "203.0.113.10",
    "device_id": "device-123",
    "suspicious_activity_report": "False",
    "law_enforcement_agency_report": "False"
  }
}

{
  "status": true,
  "message": "Success",
  "data": {
    "id": "da43453c-f854-42ac-9a1e-619b37060bbc",
    "asset": "USDC",
    "fiat": "INR",
    "network": "polygon",
    "payment_method": "IMPS",
    "sending_amount": "10000.00",
    "rate": "91.91",
    "receiving_amount": "108.80",
    "fees": { "zapyd_fee": "0.00", "client_fee_fiat": "0.00", "tds": "0.00" },
    "deposit_instructions": {
      "account_number": "1234567890",
      "ifsc": "YESB0000001",
      "account_name": "Sandbox Technologies Pvt Ltd",
      "deep_link": "upi://pay?pa=testing-payin@ybl&am=10000"
    },
    "expiry_time": "2026-09-30T10:10:00Z"
  }
}

Field	Notes
`payment_method`	INR: `IMPS` or `UPI`. USD: `ACH_PULL`, `WIRE`, `DEBIT_CARD` or `RTP`
`network`	Required. The network the crypto is delivered on, from `supported_networks`
`bank_id`	Optional. The customer’s bank account the money comes from
`deposit_instructions`	Where the user pays. For UPI it includes a `deep_link`. See UPI QR codes

4. Collect the fiat

Show the user deposit_instructions, the exact sending_amount and the time left before expiry_time.

Payins are rejected or refunded when the user pays from an account that isn’t in their own KYC name, pays a different amount, or splits the payment. Tell the user this before they pay.

After the transfer, the user’s bank gives them a reference. In India this is the 12-digit UTR for IMPS and UPI. See Understanding UTR numbers.

5. Initiate the payin

Call POST /payin/initiate before the quotation expires.

{
  "quotation_id": "da43453c-f854-42ac-9a1e-619b37060bbc",
  "customer_id": "8da49e5e-33d1-48b2-b107-eb34f851b2fd",
  "client_reference_id": "payin-001",
  "transaction_reference_id": "412345678901"
}

transaction_reference_id is required for INR: 12 or 16 characters, not used by any other payin. It’s optional for other fiats. The payin starts as PROCESSING.

6. Track the result

Zapyd matches the transfer, then delivers the crypto and sends a PAYIN webhook.

Event	Meaning	Your action
`SUCCESS`	Fiat received and crypto delivered	Credit the user. Store `metadata.transaction_hash`
`FAILED`	The transfer couldn’t be matched, for example `INCORRECT_UTR` or `PAYMENT_NOT_RECEIVED`	Don’t credit. Show the reason
`REFUND_INITIATED`, `REFUNDED`	Zapyd is returning the fiat, for example `THIRD_PARTY_PAYMENT` or `INCORRECT_AMOUNT`	Don’t credit. Tell the user the money is coming back
`ON_HOLD`	Held for review	Don’t credit. Contact support with the payin `id`

To poll instead, call GET /payin/{payin_id} no more than once a minute. GET /payin/history lists orders with filters.

Where the crypto goes

Zapyd delivers the crypto to your organization’s delivery wallet for that asset and network, set up during onboarding. The address is wallet_address on the payin. If no wallet is set up for the pair, the quotation fails with Not configured for asset: X & network: Y. Credit the user from that wallet in your own ledger.

Test it in sandbox

Create a quotation, then initiate with any 12-digit transaction_reference_id.
Move the payin with Mock Payin Status: SUCCESS, ON_HOLD, REFUNDED or FAILED.
Check that your webhook handler credits the user only on SUCCESS.

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Payins (onramp)

Before you start

Flow

1. Read the configuration

2. Check the customer’s limit

3. Create a quotation

4. Collect the fiat

5. Initiate the payin

6. Track the result

Where the crypto goes

Test it in sandbox

​Before you start

​Flow

​1. Read the configuration

​2. Check the customer’s limit

​3. Create a quotation

​4. Collect the fiat

​5. Initiate the payin

​6. Track the result

​Where the crypto goes

​Test it in sandbox

Before you start

Flow

1. Read the configuration

2. Check the customer’s limit

3. Create a quotation

4. Collect the fiat

5. Initiate the payin

6. Track the result

Where the crypto goes

Test it in sandbox