Capability
Pay-ins Live
Collect from clients across the Americas via local instant rails — accepted, reconciled, and settled in real time.
Accept local. Settle global.
Collect across PIX, SPEI, SEPA, ACH, and Wire, and settle into multi-currency or stablecoin balances automatically.
Local collection
Accept PIX, SPEI, SEPA, ACH, and Wire.
Real-time settlement
Funds available in seconds.
Auto-conversion
Settle into USD or stablecoin automatically.
Reconciliation
Every pay-in matched and auditable.
Supported rails
What your clients build
Concrete flows you can ship on Pay-ins.
Local collection
Accept PIX, SPEI, and more — funds available in seconds.
Virtual accounts
Issue a dedicated pay-in account per client for clean reconciliation.
Auto-settle
Settle incoming funds into USD or stablecoin automatically.
Matched & auditable
Every pay-in reconciled to the payer.
Built for developers
Pay-ins is one POST /pay-ins/virtual-account call — idempotent, typed, and webhook-backed. Sandbox, TypeScript SDK, and docs from day one.
Read the docs# Create a local pay-in account POST /pay-ins/virtual-account { "customer": "cus_8f2a…", "rail": "pix" } → 200 OK { "id": "va_6e3…", "pix_key": "ozv-9f2a…", "status": "active" }
Security & controls
Every action on Pay-ins runs on regulated infrastructure, with controls that satisfy compliance from day one.
Authorization required
No unilateral movement of funds — every privileged action is explicitly approved.
Expiring approval sessions
Approvals expire by default, limiting blast radius, with instant revocation.
Approval & per-transaction limits
Approval workflows plus per-transaction limits on external crypto transfers.
Tenant data isolation
Each client's data is isolated end to end with row-level security.
Build in hours. Go live in weeks.
Build with Pay-ins in hours; go live on your brand in weeks — not a multi-quarter banking project.
Build in hours, live in weeks
Your brand & product
You own the relationship
Hosted or bring-your-own KYC/KYB
Custom model
Compliance built in, not bolted on.
Compliance for Pay-ins is part of the flow — KYC, KYB, AML screening, transaction monitoring, and Travel Rule support come standard, so you grow without owning the regulatory overhead.