Introduction

A Payin is the process of accepting funds from a Payer on behalf of a Merchant, from creation through completion.

How It Works

Every Payin follows the same core flow:

1. Merchant creates a Payin Intent via the API
2. Yugo returns a redirect_url
3. Merchant redirects the Payer to the redirect_url
4. Payer authorizes the payment through Yugo's hosted checkout
5. Payer is redirected back to the Merchant
6. Settlement delivers funds to the Merchant

The specific behavior at each step depends on the chosen payment method and settlement method.

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Choose Your Solution

I want to...	Solution
Receive fiat payments directly into my bank account	Direct Payins
Receive fiat payments and settle as crypto in a Yugo wallet	On-Ramp Payins

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Building Blocks

Each solution is composed of modular building blocks. You can explore them independently:

Block	What it covers
Open Banking	Bank authorization flow, processing times
Cards	Card authorization, 3DS, dispute behavior
Apple Pay	Apple Pay flow, dispute behavior
Google Pay	Google Pay flow, dispute behavior
Bank Account Settlement	IBAN settlement timing, fund flow
Yugo Balance Settlement	Crypto conversion, release schedules
Status Lifecycle	Canonical status definitions per flow