Fiat Withdraw

The Paydify Fiat Withdraw API allows merchants to convert crypto assets (e.g. USDC/USDT) into fiat currency and withdraw to a designated bank account.

Key Features

• Quote Preview: Get real-time exchange rates, fees, and deduction plans with no side effects
• Apply Withdrawal: Create a withdrawal order based on a quote session, with idempotency support
• Order Query: Query withdrawal records by order ID, status, or time range with pagination
• Order Detail: Retrieve full details of a single withdrawal order
• Cancel Withdrawal: Cancel a withdrawal before processing, naturally idempotent

Integration Flow

A typical fiat withdrawal flow:

1. Quote Preview

Call POST /payout/v1/fiat-withdraw/quote to get a quote. Two quote modes are supported:

• ARRIVAL: Specify the arrival amount in fiat; the system calculates the crypto deduction
• DEDUCT_ASSET: Specify the crypto deduction amount; the system calculates the fiat arrival amount

The returned quoteId has an expiry (see expireAt field) and must be used before it expires.

2. Apply Withdrawal

Call POST /payout/v1/fiat-withdraw/apply with:

• mchOrderId: Merchant order ID, used as an idempotency key — the same mchOrderId will not create duplicate orders
• quoteId: The quote session ID returned from the quote preview

The order is created with PENDING status and processed asynchronously.

3. Query Order Status

• List Query: POST /payout/v1/fiat-withdraw/list — filter by status, time range, or order ID with pagination
• Detail Query: POST /payout/v1/fiat-withdraw/detail — query a single order by withdrawOrderId or mchOrderId

4. Cancel Withdrawal

Call POST /payout/v1/fiat-withdraw/cancel with withdrawOrderId. Only orders in PENDING status can be cancelled.

Order Status

Authentication

All fiat withdraw endpoints use the same authentication mechanism as Payin/Payout. See Signature Algorithm.

API Endpoints