Instant Collections

✅ What this does

A payer pays you, and the value is delivered straight to your external bank account or wallet — in the currency you choose — without sitting on your TransFi balance first.

📘 Use this when

You want each collection to reach your own account as it settles, rather than accumulating on a balance and being paid to you in batches. Common for trade collections where the receiving side is a wallet you already hold.

How the money moves

Payer's local currency → converted → your external account

If you are collecting EUR and want USDT in your treasury wallet, that is Flow 1. Same currency in and out is Flow 3.

Before you start

• The payer must be registered as a sender — see Senders & Recipients
• Your receiving account or wallet address must be registered — see Settlement Accounts
• Check the payer's method with List Payment Methods

Create the Order

curl -X POST 'https://sandbox-api.transfi.com/v3/orders' \
  -H 'Authorization: Basic YOUR_BASE64_CREDENTIALS' \
  -H 'mid: YOUR_MID' \
  -H 'Content-Type: application/json' \
  -d '{
    "userId": "UX-250930062608488",
    "orderType": "payin",
    "purposeCode": "invoice_payment",
    "partnerId": "inst-col-5001",
    "source": { "currency": "EUR", "amount": "10000",
                "paymentType": "bank_transfer", "paymentCode": "SEPA" },
    "destination": { "currency": "USDT",
                     "walletAddress": "0xYOUR_TREASURY_WALLET",
                     "network": "polygon" }
  }'

{
  "status": "success",
  "data": {
    "orderId": "OR-2509291454262384294",
    "payUrl": "https://sandbox-pay-widget.transfi.com/pay?paytoken=..."
  }
}

Send the payer to payUrl. On the terminal success status, the USDT is in your wallet.

📘 What makes this instant rather than a collection to your balance

The destination names an external account. Leave it out and name only a currency, and the same payin order settles to your TransFi balance instead — that is Flow 8, documented under Collections.

Statuses

See Instant Flows → Order statuses. Act only on the terminal status; the payer returning from payUrl is not confirmation.

Related

Instant Flows · Collect with a Local Payment Method — the balance-settled version · B2B & Trade — Collections & Payments