PayPal

Overview

PayPal payouts allow users to receive instant payments directly to their PayPal account. This payout method is available for US-based users and provides a familiar, convenient payment experience.

UI Implementation

If you’re using Coinflow’s Bank Authentication UI, PayPal support is automatically included once enabled on your merchant account.

For Merchant-Initiated Payouts:

• Users can link their PayPal account directly through the UI
• Retrieve the PayPal token using the Get Withdrawer Endpoint
• Pass the token to your payout endpoint just like bank account or card tokens

For User-Custodial Payouts via SDKs:

• No additional implementation required
• Contact your Coinflow integration specialist to enable PayPal for your account
• PayPal will automatically appear as a payout option in the SDK

API Implementation

After following your usual KYC verification flow, follow these steps to allow linking a PayPal payout destination:

1. Link PayPal Account This allows the withdrawer to add a PayPal account associated with their email address as a payout destination.
   Request

   1
   curl --request POST \
   2
        --url https://api-sandbox.coinflow.cash/api/withdraw/paypal \
   3
        --header 'Authorization: YOUR_API_KEY' \ # gitleaks:allow
   4
        --header 'accept: application/json' \
   5
        --header 'content-type: application/json' \
   6
        --header 'x-coinflow-auth-user-id: user1234' \
   7
        --data '
   8
   {
   9
     "email": "user@example.com"
   10
   }
   11
   '

2. Call Get Withdrawer This allows you to get the tokenized PayPal account details.
   Request

   1
   curl --request GET \
   2
        --url https://api-sandbox.coinflow.cash/api/withdraw \
   3
        --header 'Authorization: YOUR_API_KEY' \ # gitleaks:allow
   4
        --header 'accept: application/json' \
   5
        --header 'x-coinflow-auth-user-id: user1234'

   Response

   {
     "withdrawer": {
       "_id": "68aa405463dc197a7d9410cc",
       "__v": 0,
       "availability": {
         "status": "Functional",
         "reason": "Initial",
         "editor": "system",
         "updatedAt": "2025-08-23T22:27:31.970Z"
       },
       "currency": "USD",
       "email": "shdhdj@gmail.com",
       "merchant": "6840bca9c7cb21ee5baaae76",
       "originalCurrency": "USD",
       "riskScoreOverride": false,
       "user": true,
       "verification": {
         "hash": "8279804db6754cd1bf3d21b81eea4fa630321e1a",
         "vendor": "persona",
         "reference": "ver_sjrs9QqtDujv9kv4oKdgP8zo81Nn",
         "status": "approved",
         "attested": false
       },
       "wallets": [
         {
           "wallet": "user1234",
           "blockchain": "user"
         }
       ],
       "watchlistExempt": "Unknown",
       "bankAccounts": [],
       "cards": [],
       "ibans": [],
       "pixes": [],
       "efts": [],
       "rtpDisabled": false,
       "cardDisabled": false,
       "paypal": {
         "type": "paypal",
         "alias": "user@example.com",
         "token": "b4c6d82c-9843-53c1-93ea-bgbe25g62464" // gitleaks:allow
       }
     }
   }

3. Initiate Payout This allows the withdrawer to request a payout and receive funds directly to their PayPal account.
   Request

   1
   curl --request POST \
   2
        --url https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated \
   3
        --header 'Authorization: YOUR_API_KEY' \ # gitleaks:allow
   4
        --header 'accept: application/json' \
   5
        --header 'content-type: application/json' \
   6
        --data '
   7
   {
   8
     "amount": {
   9
       "cents": 400
   10
     },
   11
     "speed": "paypal",
   12
     "account": "b4c6d82c-9843-53c1-93ea-bgbe25g62464", // PayPal token (Get from calling get withdrawer)
   13
     "userId": "user1234",
   14
     "idempotencyKey": "123-abc-456-def" // gitleaks:allow
   15
   }
   16
   '

   Response

   {
     "signature": "47pMMVtHceA8CiJwhuwM9E49Bysgaw5L5YtaBAzTiSotPy2zqBm3Eeg43KE9cnt5jdjMusfrUwEd4BPno36je1Jj"
   }