# Crypto Payments

Use the Crypto API to collect cryptocurrency into a merchant wallet or send cryptocurrency to a blockchain wallet. Authenticate every request as described in Authentication.

Before initiating a payment, call Active Channels with the target MerchantCode. Confirm that all_channels.crypto contains the required channel, such as USDT TRC20.

# Collect crypto

POST https://api.sandbox.pesaway.com/api/v1/crypto/receive-payment/

This endpoint creates a collection and returns a provider-generated deposit address. The transaction remains processing until the on-chain payment is confirmed and reconciled.

# Request fields

Field	Required	Description
`Amount`	Yes	Amount in the merchant account currency, or the pricing amount when using an FX quote.
`MerchantCode`	Yes	Active Internal account number to credit.
`Channel`	Yes	Active configured crypto method, for example `USDT TRC20`.
`Currency`	Yes	Merchant account currency. Must match the account when no FX quote is used.
`ExternalReference`	Yes	Your unique payment reference. Reuse it only to retry the same request.
`ResultsUrl`	Yes	HTTPS endpoint for the terminal transaction callback.
`Reason`	No	Purpose of the collection. Defaults to `Collection`.
`description`	No	Optional merchant description.
`FxQuoteID`	Conditional	Required when a fiat merchant account is being paid in crypto. Use the ID from FX Quotes.
`PricingCurrency`	Conditional	Required with `FxQuoteID`; must match the quote.

# Crypto wallet to crypto wallet

For a USDT merchant wallet, no FX quote is needed:

{
  "Amount": "10.50",
  "Channel": "USDT TRC20",
  "Currency": "USDT",
  "MerchantCode": "PHY000000001ZC6",
  "ExternalReference": "CRYPTO-USDT-001",
  "ResultsUrl": "https://merchant.example/payments/callback",
  "Reason": "Wallet top-up"
}

# Crypto payment into a fiat merchant wallet

First create a crypto collection FX quote with PricingCurrency equal to the merchant wallet currency and PaymentCurrency equal to the crypto asset. The API derives PayableCurrency from the merchant account. Then use the returned quote in the collection request:

{
  "Amount": "1300.00",
  "Channel": "USDT TRC20",
  "Currency": "KES",
  "MerchantCode": "PHY000000001ZC6",
  "ExternalReference": "CRYPTO-KES-001",
  "ResultsUrl": "https://merchant.example/payments/callback",
  "Reason": "Invoice payment",
  "FxQuoteID": "<quote-id>",
  "PricingCurrency": "KES"
}

Send the quote response's PaymentAmount in USDT to the returned DepositAddress. Do not send the fiat Amount on-chain.

# Immediate response

Crypto collection response keys use PascalCase except code and status.

{
  "code": "200.001",
  "OriginatorReference": "CRYPTO-USDT-001",
  "TransactionID": "PHYE1B82D30F6",
  "ResponseDescription": "Success. Request accepted for processing",
  "DepositAddress": "TDY5seykLPdmrTPehZyfue9Azn64Mkhq8o",
  "Asset": "USDT",
  "Network": "TRC20",
  "status": "processing"
}

Field	Description
`DepositAddress`	Address to which the customer sends the crypto payment.
`Asset`	Crypto asset being collected, for example `USDT`.
`Network`	Blockchain network required for the transfer, for example `TRC20`.
`TransactionID`	PesaWay transaction reference; retain this for support and status queries.
`status`	Immediate transaction state. `processing` is not a successful on-chain settlement.

# Send crypto

POST https://api.sandbox.pesaway.com/api/v1/crypto/send-payment/

Use this endpoint to send crypto from the merchant's Internal account to a customer blockchain wallet. The request is accepted for processing, not immediately settled. Wait for the terminal callback or query its status before treating it as complete.

# Request fields

Field	Required	Description
`Amount`	Yes	Amount to send from a crypto-denominated wallet, or the pricing amount when using an FX quote.
`WalletAddress`	Yes	Customer wallet address. It must belong to the selected blockchain network.
`MerchantCode`	Yes	Active Internal account number to debit.
`Channel`	Yes	Active configured crypto method, for example `USDT TRC20`.
`Currency`	Yes	Merchant account currency. Must match the account when no FX quote is used.
`ExternalReference`	Yes	Your unique payout reference. Reuse it only to retry the same payout request.
`ResultsUrl`	Yes	HTTPS endpoint to receive the terminal success or failure callback.
`Reason`	No	Payout purpose. Defaults to `Payment`.
`description`	No	Optional payout description.
`FxQuoteID`	Conditional	Required when a fiat merchant account is funding a crypto payout.
`PricingCurrency`	Conditional	Required with `FxQuoteID`; must match the FX quote.

# USDT TRC20 payout example

{
  "Amount": "10.50",
  "WalletAddress": "TDY5seykLPdmrTPehZyfue9Azn64Mkhq8o",
  "MerchantCode": "PHY000000001ZC6",
  "Channel": "USDT TRC20",
  "Currency": "USDT",
  "ExternalReference": "CRYPTO-PAYOUT-001",
  "ResultsUrl": "https://merchant.example/payments/callback",
  "Reason": "Customer withdrawal",
  "description": "USDT withdrawal"
}

Only send to an address on the network returned by the configured channel. For example, a USDT TRC20 payout must use a TRON/TRC20 address. An address can be syntactically valid but still belong to the wrong network; the merchant is responsible for verifying the customer's destination before submitting the request.

# Immediate response

Send X-API-Version: 2 to receive the canonical lowercase status shown below. Without that version header, existing integrations retain the legacy Status field for this inline-approved payout response.

{
  "code": "200.001",
  "TransactionID": "PHYE1B82D30F6",
  "OriginatorReference": "CRYPTO-PAYOUT-001",
  "ResponseDescription": "Success. Request accepted for processing",
  "status": "processing"
}

Keep TransactionID; it identifies the payout in both the status query and callback. An accepted request can still fail at the provider or blockchain stage.

# Payout callback

The API sends a signed JSON request to ResultsUrl only when the payout reaches a terminal state. Validate the Signature HTTP header with your API application's hash secret before acting on the payload.

{
  "ResultCode": 0,
  "ResultDesc": "The service request is processed successfully.",
  "OriginatorReference": "CRYPTO-PAYOUT-001",
  "TransactionID": "PHYE1B82D30F6",
  "TransactionAmount": "10.50",
  "TransactionReceipt": "<provider-receipt>",
  "WalletAddress": "TDY5seykLPdmrTPehZyfue9Azn64Mkhq8o",
  "TransactionCompletedDateTime": "2026-08-17T12:45:00+00:00"
}

ResultCode: 0 is successful; ResultCode: 2001 is failed. Store and process callbacks idempotently using TransactionID.

# Query transaction status

POST https://api.sandbox.pesaway.com/api/v1/crypto/transaction-query/

{
  "TransactionReference": "PHYE1B82D30F6"
}

Use the TransactionID returned at initiation. A completed transaction returns ResultCode: 0; a failed transaction returns ResultCode: 2001; any other result is still processing.

# Integration checks

# Collection checks

Use a unique ExternalReference for every payment intent.
Always transfer the exact payment_amount and use the returned Network; sending the correct asset on the wrong network cannot be reconciled.
Treat the immediate 200.001 response as acceptance, not settlement.
Configure and verify ResultsUrl; terminal success or failure is delivered there after provider reconciliation.

# Payout checks

Use a unique ExternalReference for every payout intent.
Channel defines the required blockchain network. Verify WalletAddress belongs to that network before sending the request.
Treat the immediate 200.001 response as acceptance, not settlement; use the callback or transaction-status query to determine the final outcome.
Configure and verify ResultsUrl; terminal success or failure is delivered there after provider reconciliation.

← FX Quotes Airtime →