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Accept Crypto + Card via Unified Payments

You are integrating CoinPay's unified payments endpoint, which lets a customer choose between paying in crypto or by credit card from a single hosted checkout.

Goal

One API call creates a payment that the customer can fulfill with either crypto (any supported coin/chain) or a card. You receive a single webhook on completion regardless of method.

Environment variables

COINPAY_API_KEY=sk_live_...
COINPAY_WEBHOOK_SECRET=whsec_...
COINPAY_API_URL=https://coinpayportal.com

Where to find them:

  • COINPAY_API_KEY — https://coinpayportal.com/businesses/<your-business-id> → API Keys tab → Create API Key. Shown once.
  • COINPAY_WEBHOOK_SECRET — same business page → Webhooks tab (or ?mode=webhooks) → create an endpoint → Signing Secret.
  • Card payments require Stripe to be enabled on the business. Connect it from https://coinpayportal.com/businesses/<your-business-id> → Stripe tab; no extra env vars on your side — CoinPay routes the card flow.

Steps

  1. Create the payment server-side:

``bash curl -X POST https://coinpayportal.com/api/payments/unified \ -H "Authorization: Bearer $COINPAY_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "amount": 99.00, "currency": "USD", "methods": ["crypto", "card"], "order_id": "order_456", "redirect_url": "https://example-business.com/checkout/success", "webhook_url": "https://example-business.com/api/coinpay/webhook" }' ``

Returns payment_url — redirect the customer there.

  1. Customer chooses crypto or card on the hosted page. CoinPay handles both flows.
  1. Webhook — payment.confirmed arrives the same way for both methods. The payload includes a method field ("crypto" or "card") and method-specific details.

Rules

  • Always create the payment server-side from your authoritative order total.
  • Verify webhook signatures (see WEBHOOKS prompt).
  • Card refunds and crypto refunds use the same POST /api/payments/$ID/refund endpoint — your code does not need to branch.
  • Use example-business.com for placeholder URLs.

Deliverable

  • A checkout endpoint that creates a unified payment and redirects to payment_url.
  • A webhook handler that fulfills the order and stores method for reporting.
  • A refund endpoint that works for both methods.