Referencia de la API/Primeros pasos

Paga a cualquiera, en cualquier lugar, desde código.

Pagos a cuentas bancarias en 40 monedas, dinero móvil, billeteras o un número de teléfono. Lotes con aprobaciones, links de pago, cuentas virtuales y webhooks firmados. Generada desde la especificación OpenAPI; comisiones, límites y tiempos de llegada llegan en cada canal y cada cotización.

Un solo saldo en USDC. Fondea por transferencia bancaria en USD, EUR o MXN, o en cadena. Paga a cuentas bancarias en 40 monedas, a una cuenta de pago móvil, a una billetera o a un teléfono o email. El primer pago son cinco llamadas: listar canales, guardar un destinatario con los campos del corredor, cotizar, enviar con una clave de idempotencia y consultar o suscribirse.

List channels

GET/channels

Every destination with status, coverage, recipient type, limits, typical arrival and your fee at your current tier.

Respuesta 200

{
  "data": [
    {
      "id": "spei_mxn",
      "status": "live",
      "country": "MX",
      "currency": "MXN",
      "rail": "spei",
      "recipient_type": "bank_account",
      "arrival": {
        "min": "PT0M",
        "max": "PT5M"
      },
      "limits": {
        "min": "30.12",
        "max": "300000.00",
        "currency": "USDC"
      },
      "fee": {
        "percent": "0.35",
        "flat": "0.50",
        "currency": "USDC"
      }
    },
    {
      "id": "claim_link",
      "status": "live",
      "country": null,
      "currency": "USDC",
      "rail": "claim_link",
      "recipient_type": "phone",
      "arrival": {
        "min": "PT0M",
        "max": "P30D"
      },
      "limits": {
        "min": "1.00",
        "max": "50000.00",
        "currency": "USDC"
      },
      "fee": {
        "percent": "0",
        "flat": "0",
        "currency": "USDC"
      }
    }
  ]
}

Create a recipient

POST/recipients

Parámetros

Idempotency-Keyheaderstringopcional

Campo	Tipo	obligatorio	Notas
type	RecipientType	obligatorio
country	string	opcional
currency	string	opcional
name	string	opcional
kind	enum: individual, business	opcional
external_id	string	opcional
bank_account	object	opcional	Fields from the channel requirements.
pagomovil	object	opcional
wallet	object	opcional
phone	object	opcional
email	object	opcional
decaf_user	object	opcional

Solicitud

{
  "type": "bank_account",
  "country": "HK",
  "currency": "HKD",
  "external_id": "vendor-4471",
  "name": "Brightway Electronics Ltd",
  "kind": "business",
  "bank_account": {
    "bank_name": "HSBC",
    "account_number": "123456789012",
    "swift": "HSBCHKHHHKH",
    "id_document_number": "12345678-000-01-23-4"
  }
}

Respuesta 201

{
  "id": "rcp_9d1a",
  "type": "bank_account",
  "country": "HK",
  "currency": "HKD",
  "name": "Brightway Electronics Ltd",
  "kind": "business",
  "external_id": "vendor-4471",
  "status": "ready",
  "channels": [
    "chats_hkd"
  ],
  "bank_account": {
    "bank_name": "HSBC",
    "account_number": "•••• 9012",
    "swift": "HSBCHKHHHKH"
  },
  "created_at": "2026-09-16T14:59:00Z"
}

Errores: 422 recipient_not_ready

Create a quote

POST/quotes

Price one payout on one channel. Provide source_amount or destination_amount. Valid 60 seconds.

Campo	Tipo	obligatorio	Notas
channel	string	obligatorio
source_amount	Amount	opcional	Decimal string. Up to two decimals for fiat, six for USDC.
destination_amount	Amount	opcional	Decimal string. Up to two decimals for fiat, six for USDC.

Solicitud

{
  "channel": "chats_hkd",
  "source_amount": "2500.00"
}

Respuesta 201

{
  "id": "qt_5m2n",
  "channel": "chats_hkd",
  "source_amount": "2500.00",
  "source_currency": "USDC",
  "destination_amount": "19491.72",
  "destination_currency": "HKD",
  "rate": "7.8280",
  "fees": {
    "provider": "1.25",
    "decaf": "8.75",
    "fx_spread": "3.90",
    "total": "13.90",
    "currency": "USDC"
  },
  "arrival": {
    "min": "PT1M",
    "max": "P3D"
  },
  "expires_at": "2026-09-16T15:04:05Z"
}

Errores: 400 validation_error, channel_unavailable, amount_out_of_range

Create a payout

POST/payouts

One transfer to one recipient on one channel. Pass a saved recipient_id or an inline recipient. Either source_amount or destination_amount. quote_id is optional; without it the payout is priced at execution.

Parámetros

Idempotency-Keyheaderstringopcional

Campo	Tipo	obligatorio	Notas
recipient_id	string	opcional
recipient	InlineRecipient	opcional
channel	string	obligatorio
quote_id	string	opcional
source_amount	Amount	opcional	Decimal string. Up to two decimals for fiat, six for USDC.
destination_amount	Amount	opcional	Decimal string. Up to two decimals for fiat, six for USDC.
reference	string	opcional
memo	string	opcional	Travels with the payment where the rail supports it.
message	string	opcional	Claim links only. Shown to the recipient.

Solicitud

{
  "recipient_id": "rcp_9d1a",
  "channel": "spei_mxn",
  "quote_id": "qt_5m2n",
  "source_amount": "1000.00",
  "reference": "INV-2026-0912",
  "memo": "Freight, week 37"
}

Respuesta 201

{
  "id": "po_1b7e",
  "status": "submitted",
  "channel": "spei_mxn",
  "recipient_id": "rcp_9d1a",
  "source_amount": "1000.00",
  "source_currency": "USDC",
  "destination_amount": "16865.35",
  "destination_currency": "MXN",
  "rate": "16.86535",
  "fees": {
    "provider": "0.50",
    "decaf": "5.00",
    "total": "5.50",
    "currency": "USDC"
  },
  "reference": "INV-2026-0912",
  "estimated_arrival": "2026-09-16T15:20:00Z",
  "provider_reference": null,
  "attempts": 1,
  "created_at": "2026-09-16T15:01:12Z"
}

Errores: 400 validation_error, channel_unavailable, amount_out_of_range; 402 insufficient_balance; 409 idempotency_conflict; 410 quote_expired

Ejemplos: Create a payout

curl -X POST https://sandbox.api.decaf.so/v1/payouts \
  -H "Authorization: Bearer $DECAF_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{"recipient_id":"rcp_9d1a","channel":"spei_mxn","quote_id":"qt_5m2n","source_amount":"1000.00","reference":"INV-2026-0912","memo":"Freight, week 37"}'

Get a payout

GET/payouts/{id}

Includes an attempts array with timing, status and provider error per attempt.

Parámetros

idpathstringobligatorio

Preguntas sobre la referencia

Preguntas sobre la referencia.

Obtén acceso

Construye contra el sandbox esta semana.

Cuéntanos los corredores que necesitas y a quién pagas. Las claves de sandbox las emite una persona.

Paga a cualquiera, en cualquier lugar, desde código.

List channels

Create a recipient

Parámetros

Create a quote

Create a payout

Parámetros

Ejemplos: Create a payout

Get a payout

Parámetros

Preguntas sobre la referencia.

¿Qué tan estable es la API?

¿Hay SDK?

¿Cómo obtengo una clave?

¿Dónde están las comisiones?

Construye contra el sandbox esta semana.