API reference/Payment collection and payment links

Payment collection and payment links

Get paid into your balance by a public payment link with bank transfer, card and crypto methods, by a fixed-amount payment request tied to an invoice, or by a virtual account in your company’s name in USD, EUR or MXN. A request is marked paid only when an incoming payment matches amount, currency, timing and owner unambiguously; unmatched bank transfers still credit your balance.

Create a payment link

POST/payment-links

Field	Type	required
name	string	optional
methods	array	optional
published	boolean	optional

Request

{
  "name": "Invoices",
  "methods": [
    "bank_transfer",
    "card",
    "crypto"
  ],
  "published": true
}

Response 201

{
  "id": "pl_7a2c",
  "name": "Invoices",
  "url": "https://decaf.so/pay/cargo-ledger",
  "methods": [
    {
      "type": "bank_transfer",
      "ready": true
    },
    {
      "type": "card",
      "ready": true
    },
    {
      "type": "crypto",
      "ready": true
    }
  ],
  "published": true
}

List payment links

GET/payment-links

Get a payment link

GET/payment-links/{id}

Parameters

idpathstringrequired

Update methods or publication

PATCH/payment-links/{id}

Parameters

idpathstringrequired

Field	Type	required
name	string	optional
methods	array	optional
published	boolean	optional

Create a fixed-amount payment request

POST/payment-requests

Marked paid only when an incoming payment matches amount, currency, timing and owner unambiguously. Unmatched bank transfers still credit your balance as deposits.

Field	Type	required	Notes
payment_link_id	string	required
amount	Amount	required	Decimal string. Up to two decimals for fiat, six for USDC.
currency	string	required
reference	string	optional
expires_at	string	optional

Request

{
  "payment_link_id": "pl_7a2c",
  "amount": "1250.00",
  "currency": "USD",
  "reference": "INV-0912",
  "expires_at": "2026-09-30T00:00:00Z"
}

Response 201

{
  "id": "pr_31aa",
  "url": "https://decaf.so/pay/cargo-ledger/pr_31aa",
  "amount": "1250.00",
  "currency": "USD",
  "reference": "INV-0912",
  "status": "open",
  "expires_at": "2026-09-30T00:00:00Z"
}

Examples: Create a fixed-amount payment request

curl -X POST https://sandbox.api.decaf.so/v1/payment-requests \
  -H "Authorization: Bearer $DECAF_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"payment_link_id":"pl_7a2c","amount":"1250.00","currency":"USD","reference":"INV-0912","expires_at":"2026-09-30T00:00:00Z"}'

Open a virtual account

POST/virtual-accounts

Requires business verification and the corridor. Details are returned masked.

Field	Type	required	Notes
currency	enum: USD, EUR, MXN	required

Request

{
  "currency": "EUR"
}

Response 201

{
  "id": "va_1f3e",
  "currency": "EUR",
  "rail": "sepa",
  "status": "active",
  "details": {
    "iban": "DE•• •••• 3310",
    "bic": "•••",
    "beneficiary_name": "Cargo Ledger GmbH"
  },
  "reference_required": true
}

Errors: 403 verification_required

Examples: Open a virtual account

curl -X POST https://sandbox.api.decaf.so/v1/virtual-accounts \
  -H "Authorization: Bearer $DECAF_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"currency":"EUR"}'

List virtual accounts

GET/virtual-accounts

Get access

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