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The PointZero Fiat Operations API lets you collect fiat from your customers (payins), send funds to their existing bank cards (payouts) and track every operation on a single organization balance. One API key covers all endpoints: payments, payouts, cards, balances, transactions, events and limits.
Your first request

Quickstart

Register a test card and send your first payout in the sandbox.

Integration guide

Scenarios, statuses, fees, webhooks, sandbox testing and the go-live checklist.

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How it works

1

Register the customer's card

The customer enters their own bank card in your app. You send it to POST /cards and store the returned card_id.
2

Collect fiat (optional)

Create a payin with POST /payments. The customer pays by bank transfer or card and the net amount is credited to your balance.
3

Send a payout

Create a payout with POST /payouts to the stored card_id, or pass card_id on the payment to trigger the payout automatically.
4

Track the result

Receive webhooks for every status change and reconcile with GET /transactions. Payouts to cards complete within 15 minutes.

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What you can build

  • Payouts of sale proceeds to a customer’s card
  • Fiat payments that end up on a customer’s card in one flow
  • Fiat payins that fund your organization balance
  • Repeat payouts to cards your customers already registered

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Core objects

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Environments

Fiat Operations keys are separate from Card Program keys. PointZero does not issue cards for fiat operations: payouts go to cards your customers already own.
Questions about your fiat contract or production access? Write to hi@pointzero.io.