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Deposit Flow

With deposit flow, you can let your users deposit money into their accounts, keep track of user balances, and charge them for your services later.

Note that repaya is not at any time in control or has any possession of your or your customer's funds. You are fully responsible and in control of your users' funds handling and custody.

The algorithm of user deposits generally consists of two steps

1. Payment processing

At this step, you set up a payment request integration with repaya to let your customer make a payment to their balance.

2. Getting user balance

After you have successfully received payment, you can request user balances from repaya. From now on, repaya is only tracking the number of funds deposited, so you will need to set up some further billing processes to deduct from the user balance when the user performs a purchase or pays for a service in your app.

Payment Form

Set up a Payment Request form and fill in the necessary details:

  • Title (for example, "Deposit to App")

  • Coins that you accept for payment

  • Your receiving blockchain address

  • Your return URL. This is the address on your website to redirect customers after they complete the payment.

Backend Integration

To build the deposit flow on your site, you will need to make three things happen from your server:

  1. Create a payment session and redirect users by the URL you get from repaya API

  2. Check payment status

  3. Request user balance and display it to the user

1. Create a payment session

Perform a request to repaya's Rest API to create a payment session. Set the id of the customer field to the corresponding user ID in your own database to be able to match them after the payment is complete. Use the checkoutUrl field from the response to redirect your user.

Create payment session

post

Create a payment session to initiate the checkout flow

Authorizations
Body
formLinkIdstringRequiredExample: jAY7k
clientIdstringOptionalExample: key_1432
Responses
200

Payment session created

application/json
post
POST /api/public/1/session HTTP/1.1
Host: repaya.io
Authorization: Bearer YOUR_SECRET_TOKEN
Content-Type: application/json
Accept: */*
Content-Length: 194

{
  "formLinkId": "jAY7k",
  "customer": {
    "id": "user_123141",
    "data": "text"
  },
  "product": {
    "id": "product_123141",
    "name": "Awesome product",
    "data": "text"
  },
  "price": {
    "USD_MULTI_1": "15.0"
  },
  "clientId": "key_1432"
}
200

Payment session created

{
  "checkoutUrl": "https://repaya.io/checkout/id_124124",
  "id": "id_124124",
  "formLinkId": "jAY7k",
  "receiver": "0x0000000000000000000000000000000000000000",
  "customer": {
    "id": "user_123141"
  },
  "product": {
    "id": "product_123141",
    "name": "Awesome product"
  },
  "price": {
    "USD_MULTI_1": "15.0"
  },
  "clientId": "key_1432"
}

2. Verify payment

When the payment is completed, the customer will be redirected to your website on the return URL you provided during the payment form setup. Verify the payment status at this step by requesting it via the API. The sessionId for the request will be provided to you in the query parameter of the return URL.

Save the resulting payment in your DB if you want to enumerate all the customer payments later or use them another way.

Get customer's payment in the given session

get
Authorizations
Query parameters
sessionIdstringRequired

Payment session ID

Example: id_124124
Responses
200

A payment associated with a given session, null if missing

application/json
get
GET /api/public/1/payment HTTP/1.1
Host: repaya.io
Authorization: Bearer YOUR_SECRET_TOKEN
Accept: */*
200

A payment associated with a given session, null if missing

{
  "id": "pid_3251",
  "customer": {
    "id": "user_123141",
    "data": "text"
  },
  "product": {
    "id": "product_123141",
    "name": "Awesome product",
    "data": "text"
  },
  "sender": "0x0000000000000000000000000000000000000000",
  "receiver": "0x0000000000000000000000000000000000000000",
  "amount": "15.0",
  "paidAmount": "5.0",
  "status": "pending",
  "coin": {
    "code": "USD_MULTI_1",
    "name": "USD Stablecoins"
  }
}

3. Request user balances

After the payment, you can finally request the user balance from repaya.

Get customer balances

get
Authorizations
Query parameters
formLinkIdstringRequired

Payment form ID

Example: jAY7k
customerIdstringOptional

Filter by customer, pass an empty string to get the total balance

Example: user_123141
productIdstringOptional

Filter by product, pass an empty string to get the total balance

Example: product_123141
coinstringOptional

Filter by coin

Example: USD_MULTI_1
Responses
200

List of customer balances

application/json
get
GET /api/public/1/balance HTTP/1.1
Host: repaya.io
Authorization: Bearer YOUR_SECRET_TOKEN
Accept: */*
200

List of customer balances

[
  {
    "customerId": "user_123141",
    "productId": "product_123141",
    "balance": "123.08",
    "coin": {
      "code": "USD_MULTI_1",
      "name": "USD Stablecoins"
    }
  }
]

To let your users purchase products in your app or pay for services, you need to establish some billing process and keep track of the number of funds you deducted from user balances. Then the final user balance will be the sum of balances from repaya and the ones from your backend or database.

See also

Check out the full Rest API Reference and Client libraries section to find out more.

You can also find the complete working example for this flow on Github.

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