Collections

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What this does
Your customer pays you. The money lands on your TransFi balance, ready to pay out, swap, or settle to your bank.

Four ways to collect

Your customer pays with…	Guide
A local payment method — bank transfer, mobile money, cards, PIX, SEPA and 150+ more	Local Payment Method
Stablecoin or crypto, to an address you give them	Crypto
Any local method, through a wallet created in their name	Custodial Wallet
A normal bank transfer to an account number you give them	Virtual Account

Create the customer as a user first. You'll reuse their userId.
Create a payin order. You get back a payUrl (or a deposit address for crypto).
Send the customer to pay.
Wait for fund_settled (or asset_settled for crypto). Then deliver what they paid for.

No top-up is needed to collect.

📘
Want the money delivered straight to your bank or wallet instead of held on your balance?
See Direct Payments.

Payouts — send out what you've collected · Settlements — get collected money into your bank account