--- title: "Ut" slug: "utpay" updated: 2026-04-28T12:03:41Z published: 2026-04-28T12:03:41Z canonical: "docs.apcopay.com/utpay" --- > ## 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. # Ut **Ut** is a legally compliant crypto product solution designed to facilitate online transactions for crypto enabled scenarios. It provides a secure and convenient method for users to manage their money, make purchases, and transfer funds. Ut is now available in 175 countries yet some countries are restricted. **Note:** - Every 24 hours you can make 12 transactions paid with the same credit, debit or virtual bank card. Note that the limit is counted for any 24-hour period following a purchase, not for a calendar day (00:00 - 23:59); - A single transaction is limited to €8,000 (or an equivalent in the payment currency). - The monthly limit depends on your verification level and is also counted as a 31-day period after a purchase (not as a calendar month). ## 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) ## Currencies & Countries Supported | Title | Description | | --- | --- | | **Currencies Supported** | **USD, EUR, GBP, AUD, CAD, CHF, NOK, SEK, DKK and others** | ## Additional attributes to process Ut You must include the following JSON Attributes to the payload. These attributes inform us to proceed with the redirection to Ut to finalize the payment process. | Description | Hosted Payment Page*1 | Direct Connect (Withdrawals)*2 | | --- | --- | --- | | **Transaction type** | "TransactionType": "PURC", | "TransactionType": "ORIGINALCREDIT", | | **Client** | "Client": { "Email": "test@email.com", "FirstName": "John", "LastName": "Doe", "Country": "PRT", "City": "Lisbon", "IPAddress": "127.0.0.1" }, | "Client": { "Email": "[info@utorg.pro](mailto:info@utorg.pro)", "FirstName": "John", "LastName": "Doe", "City": "Lisbon", "IPAddress": "127.0.0.1" }, | | **Force Transaction Routing** | "Routing": { "ForcePayment": "UTPAY" }, | | **Payment Method Data*3** | "PaymentMethodData" : { "CryptoCurrency": "BTC", "PaymentMethod": "PSC" }, | "PaymentMethodData" : { "PaymentMethod": "WLT" }, | | **Test Indicator** (required in Sandbox Environment only) | "IsTest": true | *1 Available Sandbox Payment Methods - Skrill, Neteller, Blik, Rapid Transfer, and Przelewy24 **List of Payment Methods** | **Code** | **Name** | | --- | --- | | WLT | Skrill | | NTL | Neteller | | OBT | Rapid transfer | | PSC | Paysafecard | | MUB_WLT | Multibanco | | SPX | PIX | | CHP | Latam Cash | | SPI | SPEI | | BLK_WLT | BLIK | | MBW_WLT | MBway | | KHP | Khipu | | ONB | Latam Online | | PGF | PagoEfectivo | | PWY_WLT | Przelewy24 | | MAH | MACH | | GLU_WLT | Trustly | | MCH_WLT | Mistercash | | GIR_WLT | Giropay | | EUT_WLT | Euteller | | OBI | Open Banking | *2 only “WLT” is supported which is linked to a Skrill Wallet since only Skrill is available for payouts for now. Amount should be greater or equal to 5 EUR *3 Kindly confirm with the onboarding team the Payment Methods that are enabled on you account **General Note:** If multiple options are available from UTPAY, using **ForceMID** is recommended as it allows redirecting the user directly to the selected option, bypassing the payment wall. More information about **ForceMID** can be found [[Here](https://apcopay.redoc.ly/#operation/CreateaHostedPaymentPageToken)]. **Deposit** Refer to our API Reference Document [here](https://apcopay.redoc.ly/#tag/Hosted-Payment-Page) to create a Hosted Payment Page, use the below mandatory attributes to process a deposit. Below is a sample deposit request. ```json {  "TransactionType": "PURC",  "Currency": "EUR",  "Amount": "10",  "OrderReference": "test"  "UniqueReference": "4b8da4f0-d3b4-44ae-8019-8c66905ffad7",  "RedirectionURL": "https://yoururl.com/Redirect/",  "CallBackURL": "https://yoururl.com/Listener",  "FailRedirectionURL": "https://yoururl.com/Redirect/",  "Language": "en",  "Client": {    "Email": "test@email.com",    "ClientAccount": "CliAcc01002",    "FirstName": "John",    "LastName": "Doe",    "Country": "PRT",    "MobileNo": "10449262289",    "Street": "Street Name, 1",    "City": "Lisbon",    "ZIPCode": "30342",    "State": "Portugal",    "DateOfBirth": "1977-12-31",    "IPAddress": "127.0.0.1"  },   "Routing": {    "ForcePayment": "UTPAY"  },  "PaymentMethodData" : {    "CryptoCurrency": "BTC",    "PaymentMethod": "PSC"  },  "IsTest": true } ``` **Deposit Testing Accounts** Please get in touch with Apcopay support at support@apcopay.com to assist you with the testing. **Withdrawals** Withdrawals are processed via Direct Connect. The API reference to request a payout can be found [here](https://apcopay.redoc.ly/#operation/PaymentOperationAUTHPURC). Below is a sample Withdrawal request. ```json {  "TransactionType": "ORIGINALCREDIT",  "Currency": "EUR",  "Amount": "5",  "OrderReference": "test"  "UniqueReference": "4b8da4f0-d3b4-44ae-8019-8c66905ffad7",  "RedirectionURL": "https://yoururl.com/Redirect/",  "CallBackURL": "https://yoururl.com/Listener",  "FailRedirectionURL": "https://yoururl.com/Redirect/",  "Language": "en",  "Client": {    "Email": "info@clientemail.pro",    "FirstName": "John",    "LastName": "Doe",    "City": "London",    "IPAddress": "127.0.0.1"  },  "Routing": {    "ForcePayment": "UTPAY"  },  "PaymentMethodData" : {    "PaymentMethod": "WLT"  },  "IsTest": true } ``` NOTE: If a NOT_ENOUGH_BALANCE message is received, kindly talk to our support team (if it’s not during office hours), or in our integration chat (if it’s during office hours) to top up your balance, and then orders in that currency can be processed.