Integration flows

This page connects the products into complete business flows: what to call, what to expect and which webhook closes each cycle. Every flow links to its product’s detailed guide.

1. Funding the account

Three paths for money to come in; all end with a USDT credit and a webhook:

Path	Endpoint	Closing webhook
Fiat collection (QR, transfer, payment page, pull)	`POST /v1/payins` / `/collect`	`payin_credited`
On-chain USDT deposit	`POST /v1/crypto/wallets` (fixed address)	`crypto_deposit_credited`
Internal transfer from another account	— (the sender initiates it)	`transfer_received`

Details: payins · crypto · transfers.

2. Dispersing (payout)

QR variant (Bolivia, Brazil PIX): POST /v1/payouts/qr/scan (free, decodes) → show the data → POST /v1/payouts/qr/confirm (charged like a normal payout). Details: payouts · QR payout.

3. Collecting from a customer

Pick the mode based on the country and the experience you want:

Mode	Countries	Payer experience	Confirmation
Hosted payment page	CL	Opens a URL and pays from their bank	Automatic
QR	BO, BR (PIX)	Scans with their banking app	Automatic
Announced transfer	CL, PE, MX, BR	Transfers including the reference	Automatic by reference (or amount)
Dedicated CLABE / CVU	MX, AR	Transfers to a fixed account of yours	Automatic, no references
Pull collection (c2p / debit)	VE	Authorizes with OTP and you execute the charge	Synchronous in the same call
Card payment	BO (BOB/USD)	Enters their card on a secure hosted page (3DS)	Automatic
Universal checkout link	Every live country + crypto + cards	Opens one link and picks how to pay	Automatic

All close with payin_credited and the net credit in your balance. Details: payins · checkout.

4. Checkout end-to-end

One link, every rail, settled in the balance you choose: Details: checkout.

5. Saved cards and subscriptions

Save the card once (with the payer’s consent) and charge it later — one-click, merchant-initiated (MIT) or on a recurring schedule: Details: stored cards & subscriptions.

6. QR POS charge (processors)

For companies operating physical points of sale: Details: QR POS.

7. Converting balances (swaps)

One call converts between USDT, USDC, BTC and GOLD at your account’s rate — no money leaves the account, so no OTP is required. Details: swaps.

8. Reconciling

Full recipe in movements and reconciliation and statement.

9. End-to-end international banking

Banking balances live in your bank accounts (separate from USDT); CBPay only charges the configured fixed fees. Details: banking.

First integration? Follow the quickstart (fund → payout → webhook) and come back here as you add products.

Getting Started

Concepts