Time limits

Prices move, and bank accounts for deposits don’t stay open forever. These are the time limits to plan for.

At a glance

What	How long	What happens after
A quote	20 seconds	You can’t create a payment with it. Refresh it or get a new one.
An unused, expired quote	10 minutes after it expires	It’s deleted. Its ID no longer works.
Your customer sending the money (onramp or offramp)	30 minutes	The payment fails if no money arrives.
A webhook delivery to your server	10 seconds	We treat it as failed and try again later.
An idempotency key	24 hours	The key can be used again for a new request.

The quote time is the one you’ll notice most. Create the payment as soon as your customer confirms the price. The exact expiry time is always in the quote’s expires_at field.

Quotes

A quote holds a price for a short time. Always read expires_at instead of assuming a fixed time.

Before you create a payment: if the quote has expired, call Refresh a quote to get a fresh price with the same quote ID, or get a new quote.
After you create a payment: the quote is locked to that payment. While the payment is still waiting for your customer’s money (initiated, quote_locked, fiat_pending, or stable_pending), you can still refresh it to update the price. After the money arrives, the price is final.

Trying to create a payment with an expired quote fails with:

{
  "error": {
    "type": "invalid_request_error",
    "code": "quote_expired",
    "message": "Quote qte_9xLp3VnR7tY1wZ4cB6dE8fK2mQ has expired",
    "request_id": "req_3VnR7tY1wZ4cB6dE8fK2mQ9xLp",
    "status": 400
  }
}

Deposits

After you create a payment, your customer has 30 minutes to send the money:

Onramp: the fiat, by bank transfer or mobile money. For mobile money, ask them to approve the payment on their phone straight away.
Offramp: the stablecoin, to the deposit address.

If nothing arrives in that time, the payment moves to failed and you receive a payment.onramp.failed or payment.offramp.failed webhook. To try again, start with a new quote.

Your webhook endpoint

Your server must reply within 10 seconds. If your work takes longer, reply with 200 first and do the work afterwards. See How webhooks work.

Your requests

Most requests return in under a second. Creating a payment calls our payment partners, so it can take longer. If a partner doesn’t respond in time, you get a 504 error. See Status codes.

Always send an Idempotency-Key when you create a payment. Then if a request times out on your side, you can safely send it again.

Get started

Set up your account

Before you build

Core flows

Webhooks

Errors

At a glance

Quotes

Deposits

Your webhook endpoint

Your requests

​At a glance

​Quotes

​Deposits

​Your webhook endpoint

​Your requests

At a glance

Quotes

Deposits

Your webhook endpoint

Your requests