> ## 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.

# Accept the payment

> Lock in the exchange rate and generate the blockchain payment link.

# Step 3: Accept the payment

Accepting a payment locks in the USDC-to-USD exchange rate for **one hour**. During this time, your customer can complete the blockchain transfer at the agreed rate.

After accepting the payment, share the `link.url` from the response with your customer so they can send the USDC.

## Make the request

Replace `{accountId}`, `{apiKey}`, and `{paymentId}` with your own values. The `paymentId` is the `id` returned when you created the payment in the previous step.

<CodeGroup>
  ```bash Sandbox theme={null}
  curl -i -X POST \
    'https://api-sandbox.equalsmoney.com/stablecoins/payments/{paymentId}/accept?accountId={accountId}' \
    -H 'Authorization: ApiKey {apiKey}' \
    -H 'Content-Type: application/json' \
    -d '{}'
  ```

  ```bash Production theme={null}
  curl -i -X POST \
    'https://api.equalsmoney.com/stablecoins/payments/{paymentId}/accept?accountId={accountId}' \
    -H 'Authorization: ApiKey {apiKey}' \
    -H 'Content-Type: application/json' \
    -d '{}'
  ```
</CodeGroup>

<Info>
  The request body is an empty object `{}`. The exchange rate is determined automatically at the time of acceptance.
</Info>

## Expected response

If your request is successful, you'll receive a `200` response. The payment remains in `PENDING` status until the remitter's USDC transfer is detected on the blockchain.

```json 200 OK 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"
}
```

Share `link.url` with your customer. They can use this URL to complete the payment, or they can send USDC directly to one of the wallet addresses listed in `link.chains`.