> ## Documentation Index
> Fetch the complete documentation index at: https://docs.equalsmoney.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Create a payment

> Generate a new inbound payment request for the remitter.

# 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.

<CodeGroup>
  ```bash Sandbox theme={null}
  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
    }'
  ```

  ```bash Production theme={null}
  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
    }'
  ```
</CodeGroup>

<Info>
  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.
</Info>

## 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.

```json 201 Created theme={null}
{
  "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.