Coinflow
Payment processor for card, bank and wallet pay-ins and payouts, with USDC settlement to Solana, EVM or Stellar.
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Coinflow key facts
| Category | Crypto payments |
|---|---|
| Platforms | Web, API, SDK |
| US availability | US pay-ins by card, ACH, wire transfer and Cash App Pay |
| Chains | USDC settlement to Solana, EVM and Stellar wallets or contracts |
What is Coinflow?
Coinflow is a payment processor that lets businesses take cards, ACH, Apple Pay, Google Pay and bank transfers and pay out to users. Its docs list ACH, wire and Cash App Pay for US customers, and merchants can settle in USDC to their own Solana, EVM or Stellar wallets or contracts. Pricing is not published.
How Coinflow works
Each Coinflow Checkout payment moves through five stages.
Your app opens a session through the hosted SDK or iframe, a Checkout Link, or the API, and the session is bound to signed parameters (amount, currency, payer and settlement destination) so the client cannot change them. Card data is captured in a PCI-compliant iframe and swapped for a single-use token, so raw card numbers never reach your servers. Coinflow then authorizes the payment, runs 3D Secure, AVS and chargeback scoring in parallel, and sends signed webhooks as the status changes.
Settled funds land in the Coinflow Wallet by default, a balance inside your merchant account that you can pay users out from, withdraw, or sweep to your bank by daily ACH. Technical teams can instead settle directly to a wallet or a whitelisted contract they control on EVM networks, Solana or Stellar, and in that case Coinflow does not hold the funds after settlement. Merchants can add their own fee lines, such as VAT or a service fee, as fixed USD amounts or percentages.
How to start with Coinflow
- Start with a sandbox merchant account, generate a sandbox API key and invite your team.
- Checkout integrations then set a settlement destination and add Coinflow's chargeback protection script to every page of the app, which Coinflow requires for fraud detection.
- Payout integrations configure and fund the Coinflow Wallet, using a sandbox faucet for testing.
- SDKs cover the web, iOS (Swift), Android, Flutter and React Native, with a browser redirect option for mobile apps.
Coinflow fees and limits
Coinflow does not publish processing rates. Chargeback protection fees vary with each merchant's risk profile and are quoted by the sales team. Coinflow says it does not profit from those fees, and merchants can pay them or pass them on to customers. Chargeback indemnification, which covers the original payment amount and chargeback fees, applies only to card purchases.
Risks to know before using Coinflow
- Coinflow Labs Limited and its affiliates provide the service under terms effective September 1, 2026 (version 3.0).
- The terms let Coinflow set new processing fees, create a reserve sized to cover expected chargebacks, or suspend service, and they authorize Coinflow to debit any bank account you identify to it, without separate notice, to collect amounts you owe.
- Money in the Coinflow Wallet is a Coinflow-managed balance, so direct settlement to your own wallet is the option that keeps funds out of Coinflow custody.
Coinflow alternatives
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Where Coinflow ranks on DappAtlas
Coinflow pros and cons
- US pay-ins by card, ACH, wire and Cash App Pay
- Direct USDC settlement to a merchant wallet or contract on Solana, EVM or Stellar
- Homepage states fraud and chargeback liability is shifted to Coinflow
- No public pricing page
- Built for merchants, not individual users
- Crypto pay-ins are an optional advanced rail, not the default
Coinflow FAQ
What is Coinflow?
Coinflow is a payment processor that lets businesses take cards, ACH, Apple Pay, Google Pay and bank transfers and pay out to users. Its docs list ACH, wire and Cash App Pay for US customers, and merchants can settle in USDC to their own Solana, EVM or Stellar wallets or contracts. Pricing is not published.
Is Coinflow available in the US?
US pay-ins by card, ACH, wire transfer and Cash App Pay, according to Coinflow’s own page (checked Sep 26, 2026).
Sources
How this page works
Sources: Coinflow: official site, Coinflow: Docs, Products and features, Coinflow: Docs. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.