---
title: "Coinflow Card Processing"
slug: "coinflow"
updated: 2026-02-27T08:21:44Z
published: 2026-02-27T08:21:44Z
canonical: "docs.apcopay.com/coinflow"
---

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

# Coinflow Card Processing

**Coinflow** is a next-generation global payments infrastructure that enables businesses to accept and send money worldwide with instant settlement, unified pay-ins and payouts, and built-in fraud and chargeback protection.

## Supported Transaction Types

- [ ] Authorisation
- [ ] Capture
- [x] Purchase
- [ ] Refund
- [x] Withdrawal

## Integrations Supported

**Deposit**

- [x] Hosted Payment Page
- [ ] Direct Connect ( server-to-server)

**Withdrawal**

- [ ] Hosted Payment Page
- [x] Direct Connect ( server-to-server)

## Supported Wallet

- [ ] GooglePay
- [ ] Applepay

## Deposit - Additional attributes to process via Coinflow

The following JSON attributes need to be included in the payload for Deposits.

| Description | Hosted Payment Page |
| --- | --- |
| **Force Transaction Routing”** | "Routing": { "ForceBank": "COINFLOW" |
| **Client Information** | "Client":{ "FirstName": "APCO", "LastName": "Test", "MobileNo": "77777777", "Profile": "termsandconditions", "DateOfBirth": "1900-12-12", "City": "Virtu", "Street": "Street", "IPAddress": "212.152.12.12", "Country": "USA", "Email": "[user@apcopay.com](mailto:apcopayintegrations@apcopay.com)", "State": "CO", "ZIPCode": "12345", "ClientAccount":"Username_Test_CF" |
| **Test Indicator** (required in Sandbox Environment only) | "isTest": true |

**Sample Deposit Request**

```json
{
  "TransactionType": "PURC",
  "Amount": "5.00",
  "Currency": "USD",
  "ClientAccount": "testing",
  "OrderReference": "CoinFlow-ORDER123",
  "Email": "users@apcopay.com",
  "RedirectionURL": "https://yoururl.com/Redirect/",
  "CallBackURL": "https://yoururl.com/Listener",
  "FailRedirectionURL": "https://yoururl.com/Redirect/",
  "UDF": {
    "Extra1": "Value1",
    "Extra2": "Value2"
  },
  "Routing":{
     "ForceBank": "COINFLOW"
  },
  "IsTest": "True",
  "Is3DS": "True",
  "Client":{
    "FirstName": "APCO",
    "LastName": "Test",
    "MobileNo": "77777777",
    "Profile": "termsandconditions",
    "DateOfBirth": "1900-12-12",
    "City": "Virtu",
    "Street": "Street",
    "IPAddress": "212.152.12.12",
    "Country": "USA",
    "Email": "user@apcopay.com",
    "State": "CO",
    "ZIPCode": "12345",
    "ClientAccount":"Username_Test_CF"
  }
}
```

## Withdrawal - Additional attributes to process via Coinflow

Refer to our API Reference Document [here](https://apcopay.redoc.ly/#tag/Hosted-Payment-Page) to create a server-to-server call, and use the below mandatory attributes to process a withdrawal.

| Description | Hosted Payment Page |
| --- | --- |
| **Force Transaction Routing** | " "Routing": { "ForceBank": "COINFLOW" |
| **Client Information** | Client": { "FirstName": "Apco", "LastName": "Test", "Email": "[apcotest@test.com](mailto:apcotest@test.com)", "IPAddress": "192.168.0.1", "ZIPCode":"12345", "DateOfBirth": "1900-12-12", "City": "Virtu", "Street": "Street", "Country": "USA", "State": "CO", "ClientAccount": "Username_Test_CF" |
| Additional Data | }, "PspId":"24639549" |
| **Test Indicator** (required in Sandbox Environment only) | "isTest": true |

**Sample Withdrawal Request**

```json
{
  "TransactionType": "ORIGINALCREDIT",
  "Amount": 5.90,
  "Currency": "USD",
  "IsTest": true,
  "OrderReference": "COINFLOW Direct Payout",
  "RedirectionURL": "https://yoururl.com/Redirect/",
  "CallBackURL": "https://yoururl.com/Listener",
  "Client": {
    "FirstName": "Apco",
    "LastName": "Test",
    "Email": "apcotest@test.com",
    "IPAddress": "192.168.0.1",
    "ZIPCode":"12345",
    "DateOfBirth": "1900-12-12",
    "City": "Virtu",
    "Street": "Street",
    "Country": "USA",
    "State": "CO",
    "ClientAccount": "Username_Test_CF"
  },
  "Routing": {
    "ForceBank": "COINFLOW"
  },
  "PspId":"24639549"
}
```

## Test Credentials

For testing purposes, please use the following test case scenarios:

| Card Number | Card Type / Scenario | CVV2 | Exp | ZIP Code | Expected Result |
| --- | --- | --- | --- | --- | --- |
| 4111111111111111 | Visa – Purchase / Authorization **success** | — | — | Any ≠ 99999 (e.g. 12345) | **PENDING** |
| 4111111111111111 | Visa – Purchase / Authorization **decline** | — | — | 99999 | **Declined** |
| 5431111111111111 | Mastercard – Purchase **success** | — | — | Any ≠ 99999 (e.g. 12345) | **PENDING** |
| 5431111111111111 | Mastercard – Purchase **decline** | — | — | 99999 | **Declined** |
| 6011111111111117 | Discover – Purchase **success** | — | — | Any ≠ 99999 (e.g. 12345) | **PENDING** |
| 6011111111111117 | Discover – Purchase **decline** | — | — | 99999 | **Declined** |
| 378282246310005 | Amex – Purchase **decline** | 1234 | — | 99999 | **Declined** |
| 2303779999000275 | 3DS Frictionless – Purchase | 275 | 08/26 | Any ≠ 99999 / 00000 (e.g. 12345) | **PENDING** |
| 4000020000000000 | 3DS Challenge – Purchase **success path** | 000 | 08/27 | 12345 | **Processed / Success** |
| 4055011111111111 | 3DS Challenge – Purchase **failure path** | 111 | 08/27 | 12345 | **Declined** |