Step 2: Create a payment

Now that you have a remitter, you can create an inbound payment request. This generates a payment record but doesn’t yet lock in the exchange rate — that happens when you accept the payment in the next step.

Make the request

Replace {accountId}, {apiKey}, {budgetId}, and {remitterId} with your own values. The remitterId is the id returned when you created the remitter in the previous step.

curl -i -X POST \
  'https://api-sandbox.equalsmoney.com/stablecoins/payments?accountId={accountId}' \
  -H 'Authorization: ApiKey {apiKey}' \
  -H 'Content-Type: application/json' \
  -d '{
    "budgetId": "{budgetId}",
    "remitterId": "{remitterId}",
    "amount": 100,
    "displayName": "Invoice #12345",
    "sourceCurrencyCode": "USDC",
    "destinationCurrencyCode": "USD",
    "returnUrl": "https://www.example.com/payment-complete",
    "expiryMinutes": 60
  }'

curl -i -X POST \
  'https://api.equalsmoney.com/stablecoins/payments?accountId={accountId}' \
  -H 'Authorization: ApiKey {apiKey}' \
  -H 'Content-Type: application/json' \
  -d '{
    "budgetId": "{budgetId}",
    "remitterId": "{remitterId}",
    "amount": 100,
    "displayName": "Invoice #12345",
    "sourceCurrencyCode": "USDC",
    "destinationCurrencyCode": "USD",
    "returnUrl": "https://www.example.com/payment-complete",
    "expiryMinutes": 60
  }'

The minimum payment amount is 10 USDC. The expiryMinutes field controls how long the payment remains valid before it expires. The returnUrl is optional — it’s the URL your customer will be redirected to if they click the Back button on the hosted payment page. This is not a post-payment redirect.

Expected response

If your request is successful, you’ll receive a 201 response. The payment is created with a PENDING status and includes a payment link. Save the payment id — you’ll need it in the next step.

201 Created

{
  "id": "e9293471-5eb3-4dbc-916c-dbaf9e2deefd",
  "accountId": "F50091",
  "budgetId": "775596ae-2624-40af-a9dc-9756110a4a03",
  "status": "PENDING",
  "remitterId": "a1111111-2222-3333-4444-555555555555",
  "amount": 100,
  "displayName": "Invoice #12345",
  "sourceCurrencyCode": "USDC",
  "destinationCurrencyCode": "USD",
  "returnUrl": "https://www.example.com/payment-complete",
  "link": {
    "url": "https://pay.sandbox.example.com/channel?uuid=9d1f67f2-a647-404b-9b02-247c77be81d0",
    "chains": [
      {
        "protocol": "ETH",
        "address": "0x0000000000000000000000000000000000000000"
      }
    ]
  },
  "expiresAt": "2025-01-30T10:00:00.000Z",
  "createdBy": "John Smith",
  "createdAt": "2025-01-30T09:00:00Z",
  "updatedAt": "2025-01-30T09:00:00Z"
}

The link.url is the payment page URL that you’ll share with your customer. The link.chains array lists the supported blockchain networks and wallet addresses for this payment.

Group placeholder

Group

Group

Create a payment

Step 2: Create a payment

Make the request

Expected response

​Step 2: Create a payment

​Make the request

​Expected response

Step 2: Create a payment

Make the request

Expected response