Circle APIs Documentation

Learn how to integrate with Circle APIs to accept traditional and USDC payments, automate payouts, embed multi-asset accounts into your product or service, or power your internet marketplace.

Circle API Resources

List of resources used by Circle APIs.

Circle's APIs are built around several resources that represent payments, payouts, transfers, and their associated objects.

Primary Resources

Payment Object

A payment object represents a payment from a customer, and can be funded from a card, an incoming wire, or through ACH.

Example Payment Object

{
  "id": "e665ea6e-3a53-4f93-a85e-45178d48d9ea",
  "type": "payment",
  "merchantId": "c680d087-7b41-40aa-95a2-68febcdddb22",
  "merchantWalletId": "1000002853",
  "amount": {
    "amount": "1.0",
    "currency": "USD"
  },
  "source": {
    "id": "86461e9f-db1a-487f-915b-641138062e7c",
    "type": "card"
  },
  "description": "description",
  "status": "pending",
  "verification": {
    "avs": "not_requested",
    "cvv": "not_requested"
  },
  "cancel": { .. },
  "refunds": [],
  "fees": {
    "amount": "3.0",
    "currency": "USD"
  },
  "trackingRef": "74537600052007895984372",
  "errorCode": "payment_failed",
  "metadata": {
    "email": "[email protected]",
    "phoneNumber": "+14155555555"
  },
  "riskEvaluation": {
    "decision": "denied",
    "reason": "3000"
  },
  "createDate": "2020-04-10T02:29:53.888Z",
  "updateDate": "2020-04-10T02:32:19.421Z"
}

Payment Attributes


id string
A UUID for the payment.


type string
The type of payment object. Possible values: payment, refund, cancel.


merchantId string
The UUID of the merchant.


merchantWalletId string
The id of the merchant's wallet.


amount object
A Money object representing the total payment amount that is charged to the source.


source object
A Source object representing the payment source.


description string
Description of the payment.


status string
Enumerated status of the payment. pending means the payment is waiting to be processed. confirmed means the payment has been approved by the bank and the merchant can treat it as successful, but settlement funds are not yet available to the merchant. paid means settlement funds have been received and are available to the merchant. failed means something went wrong (most commonly that the payment was denied). Terminal states are paid and failed.


verification object
Status of verification checks. Attributes include avs and cvv.
For avs, the value represents the raw AVS response, expressed as an upper-case letter. not_requested indicates check was not made, and pending is pending/processing.
For cvv, not_requested indicates check was not made. pass indicates value is correct. fail indicates value is incorrect. unavailable indicates card issuer did not do the provided check. pending indicates check is pending/processing.


cancel object
A Cancel object if one exists.


refunds [object]
An array of Refund objects if they exist.


fees [object]
A Money object representing fees associated with this payment.


trackingRef string
Payment tracking reference.


errorCode string
Indicates the failure reason of a payment. Only present for payments in failed state. See Entity Errors for a full list of possible codes.


metadata object
The email and phoneNumber provided during payment creation.


riskEvaluation object
An object with two attributes, decision and reason.


createDate string
ISO-8601 UTC date/time format.


updateDate string
ISO-8601 UTC date/time format.

Payout Object

A payout object represents a payout to a customer, vendor, or supplier.

Example Payout Object

{
  "id": "df3b8e5f-9579-4c1f-9fa9-deac7f4be55c",
  "sourceWalletId": "1000038499",
  "destination": {
    "id": "4d260293-d17c-4309-a8da-fa7850f95c10",
    "type": "ach",
  },
  "amount": {
    "amount": "10.0",
    "currency": "USD"
  },
  "fees": {
    "amount": 3.0,
    "currency": "USD"
  },
  "status": "complete",
  "trackingRef": "95476600046382591768456",
  "errorCode": "insufficient_funds",
  "riskEvaluation": {
    "decision": "denied",
    "reason": "3000"
  },
  "return": { ... },
  "createDate": "2020-12-24T11:19:20.561Z",
  "updateDate": "2020-12-24T12:01:00.523Z",
  
}

Payout Attributes


id string
A UUID for the payout.


sourceWalletId string
The identifier of the source wallet used to fund a payout.


destination object
The Destination object the payout is being made to.


amount object
A Money object representing the total amount that is paid to the destination.


fees object
A Money object representing fees associated with this payment.


status string
Status of the payout. pending indicates that the payout is in process; complete indicates it finished successfully; failed indicates it failed.


trackingRef string
Payout tracking reference.


errorCode string
Indicates the failure reason of a payout. Only present for payouts in failed state. Possible values are insufficient_funds, transaction_denied, transaction_failed, and transaction_returned.


riskEvaluation object
An object with two attributes, decision and reason.


return object
A Return object if the payout was returned.


createDate string
ISO-8601 UTC date/time format.


updateDate string
ISO-8601 UTC date/time format.

Transfer Object

A transfer object represents a transfer of funds from a Circle wallet to a blockchain address, from a blockchain address to a Circle wallet, or between two Circle wallets.

Example Transfer Object

{
  "id": "0d46b642-3a5f-4071-a747-4053b7df2f99",
  "source": {
    "type": "blockchain",
    "chain": "ETH",
    "address": "0x8381470ED67C3802402dbbFa0058E8871F017A6F"
  },
  "destination": {
    "type": "wallet",
    "id": "12345",
  },
  "amount": {
    "amount": "3.14",
    "currency": "USD"
  },
  "transactionHash": "0x4cebf8f90c9243a23c77e4ae20df691469e4b933b295a73376292843968f7a63",
  "status": "running",
  "riskEvaluation" : {
    "decision": "approved",
    "reason": "Circle approved credit card"
  },
  "createDate": "2020-04-10T02:29:53.888Z"
}

Transfer Attributes


id string
A UUID for the transfer.


source object
A Source object representing the source of the transfer.


destination object
A Destination object representing the destination of the transfer.


amount object
A Money object representing the amount transferred between source and destination.


transactionHash string
A hash that uniquely identifies an on-chain transaction. This is only available when either source or destination are of type blockchain.


status string
Status of the transfer. Status pending indicates that the transfer is in the process of running; complete indicates it finished successfully; failed indicates it failed.
createDate string
ISO-8601 UTC date/time format.


Methods and Instruments

Card Object

{
  "id": "0d46b642-3a5f-4071-a747-4053b7df2f99",
  "billingDetails": {
    "name": "Sam L. Cleary",
    "city": "New York City",
    "country": "US",
    "line1": "123 5th Avenue",
    "line2": "Suite 5A",
    "district": "NY",
    "postalCode": "10000"
  },
  "expMonth": 10,
  "expYear": 2025,
  "network": "VISA",
  "last4": "1239",
  "verification": {
    "cvv": "pass",
    "avs": "pass"
  },
  "riskEvaluation" : {
    "decision": "approved",
    "reason": "Circle approved credit card"
  },
  "metadata": {
    "phone": "+19607059870",
    "email": "[email protected]"
  }
}

Wire Account Object

{
  "id": "e5e5109d-5a3c-47cd-93ee-9cfe054691bf",
  "description": "WELLS FARGO BANK, NA ****1111",
  "trackingRef": "CIR3EDXL6M",
  "fingerprint": "6177934f-0830-45ed-beb7-c67d225327a1",
  "billingDetails": {
    "name": "Satoshi Nakamoto",
    "line1": "100 Money Street",
    "line2": "Suite 1",
    "city": "Boston",
    "postalCode": "01234",
    "district": "MA",
    "country": "US"
  },
  "bankAddress": {
    "bankName": "WELLS FARGO BANK, NA",
    "city": "SAN FRANCISCO",
    "district": "CA",
    "country": "US"
  },
  "createDate": "2021-01-12T10:05:54.815Z",
  "updateDate": "2021-01-12T10:05:54.815Z"
}

ACH Account Object

{
  "id": "4d260293-d17c-4309-a8da-fa7850f95c10",
  "status": "complete",
  "accountNumber": "****1679",
  "routingNumber": "011000028",
  "fingerprint": "bf91152b-9681-4067-a808-006084b4e621",
  "billingDetails": {
    "name": "2 Smokebox Merchant 2",
    "line1": "123 Money Street",
    "city": "Long Island City",
    "postalCode": "11101",
    "district": "NY",
    "country": "US"
  },
  "bankAddress": {
    "bankName": "STATE STREET BANK AND TRUST COMPANY",
    "line1": "JAB2NW",
    "city": "N. QUINCY",
    "district": "MA",
    "country": "US"
  },
  "errorCode": "bank_account_unauthorized",
  "riskEvaluation": {
    "decision": "denied",
    "reason": "3200"
  },
  "createDate": "2020-12-22T12:43:13.237Z",
  "updateDate": "2021-01-15T13:55:00.324Z"
}

Wallet Object

Wallets represent balances managed by Circle. A single wallet is designed to hold multiple balances, but only one balance per currency. As the only supported currency is "USD", all wallets today have a single balance.

Unlike other resources in our APIs, wallet IDs are shorter numerical strings and are not represented as longer UUIDs.

{
  "walletId": "434000",
  "entityId": "fc988ed5-c129-4f70-a064-e5beb7eb8e32",
  "type": "end_user_wallet",
  "description": "Treasury Wallet",
  "balances": [
    {
      "amount": "3.14",
      "currency": "USD"
    }
  ]
}

Additional Resources

Below is a list of resources that relate to an original payment or payout. They represent subsequent events that happen after the initial creation or settlement of the payment/payout.

Settlement Object

When one or more payments in a batch settle, it means that the funds have cleared, USDC has been minted, and your funds have been made available at the specified merchantWalletId. Generally, payments made on the same business day are batched and settle together. Payments that have settled will have a status of paid.

Settlements can also include debits caused by refunds, reversals, and chargebacks.

The total credits, debits, and fees are all summed into a single settlement object.

{
  "id": "ed02c1a9-1df6-441d-bdab-06beb6a6a528",
  "merchantWalletId": "1000008032",
  "totalDebits": {
    "amount": "0.00",
    "currency": "USD"
  },
  "totalCredits": {
    "amount": "1.35",
    "currency": "USD"
  },
  "paymentFees": {
    "amount": "0.06",
    "currency": "USD"
  },
  "chargebackFees": {
    "amount": "0.00",
    "currency": "USD"
  },
  "createDate": "2020-04-10T02:29:53.888Z",
  "updateDate": "2020-04-10T02:29:53.888Z"
}

Chargeback Object

Chargebacks apply only to card payments, and occur when a customer requests their bank to return the funds for a purchase or when a customer's bank detects a problem with the transaction.

The paymentId points to the original payment that is being charged back, and the merchantId is the merchant that the original payment was paid to.

{
  "id": "b7b27919-25e6-4667-8503-a988cc94d788",
  "paymentId": "8f44238d-fdfc-40ae-b9d7-03b2cb979308",
  "merchantId": "28d8765b-9b82-406e-bfbb-6dfdff66279b",
  "history": [
    {
      "type": "Chargeback Settlement",
      "chargebackAmount": {
        "amount": "5.00",
        "currency": "USD"
      },
      "fee": {
        "amount": "0.00",
        "currency": "USD"
      },
      "description": "Reason for chargeback settlement",
      "settlementId": "bfb64c54-712b-4cf9-9abf-bbd880d37de5",
      "createDate": "2020-05-11T20:36:59.441Z"
    },
    {
      "type": "1st Chargeback",
      "chargebackAmount": {
        "amount": "5.00",
        "currency": "USD"
      },
      "fee": {
        "amount": "15.00",
        "currency": "USD"
      },
      "description": "Reason for chargeback",
      "settlementId": "bfb64c54-712b-4cf9-9abf-bbd880d37de5",
      "createDate": "2020-05-10T14:32:22.531Z"
    }
  ]
}

Cancel Object

A cancel object represents an attempt at canceling a payment. Cancellations apply only to card payments, and its presence doesn't necessarily mean that the cancellation was successful. A successful cancellation has a status of paid.

{
  "id": "b783ad5e-1ace-4b41-8c0d-5bce31ae971b",
  "type": "cancel",
  "merchantId": "b3528f9f-e381-46d0-9405-31d709f95360",
  "merchantWalletId": "1000038499",
  "source": {
    "id": "619c7e7a-f406-427f-bd38-e885895f280a",
    "type": "card"
  },
  "description": "Cancel Payment",
  "amount": {
    "amount": "250.00",
    "currency": "USD"
  },
  "fees": {
    "amount": "0.00",
    "currency": "USD"
  },
  "status": "paid",
  "originalPayment": {
    "id": "765fb559-394b-4d21-972c-0423e937b0d3",
    "type": "payment",
    "status": "paid",
    "createDate": "2020-12-17T15:29:33.701Z",
    "updateDate": "2020-12-17T16:13:11.043Z"
  },
  "reason": "requested_by_customer",
  "createDate": "2020-12-22T19:58:20.722Z",
  "updateDate": "2020-12-22T20:02:15.382Z"
}

Refund Object

A refund object represents an attempt at refunding a payment. Its presence doesn't mean that the refund was successful. A successful refund has a status of paid.

{
  "id": "b937c833-b7f3-48fc-bc6f-09d492eb4a47",
  "type": "refund",
  "merchantId": "aef0d056-6119-4fc1-a13a-c7ecd8682999",
  "merchantWalletId": "1000038499",
  "source": {
    "id": "94705f9a-0ae4-4fb1-b77f-6e6042150ce1",
    "type": "card"
  },
  "description": "Refund Payment",
  "amount": {
    "amount": "1.00",
    "currency": "USD"
  },
  "fees": {
    "amount": "0.00",
    "currency": "USD"
  },
  "status": "paid",
  "originalPayment": {
    "id": "5adf260a-c54b-4a4d-a548-4a51ce2280b7",
    "type": "payment",
    "status": "paid",
    "createDate": "2020-12-17T15:27:17.300Z",
    "updateDate": "2020-12-17T15:40:10.455Z"
  },
  "reason": "requested_by_customer",
  "createDate": "2021-01-05T10:34:25.797Z",
  "updateDate": "2021-01-05T10:38:16.676Z"
}

Reversal Object

Reversals apply only to ACH payments, and can occur after a payment is initially settled. A common reason for this is a customer contacting their bank and claiming the transaction is unauthorized.

{
  "id": "b937c833-b7f3-48fc-bc6f-09d492eb4a47",
  "paymentId": "0317d0bf-cff2-4679-979b-3a727a2fd4dd",
  "status": "paid",
  "description": "Merchant Payment Reversal",
  "amount": {
    "amount": "7.19",
    "currency": "USD"
  },
  "fees": {
    "amount": "10.00",
    "currency": "USD"
  },
  "reason": "payment_returned",
  "createDate": "2021-01-14T12:48:22.384Z",
  "updateDate": "2021-01-14T13:12:05.021Z"
}

Return Object

Returns apply to payouts (ACH and wires), and represent instances where a payout was subsequently rejected/returned by the receiving bank.

{
  "id": "b937c833-b7f3-48fc-bc6f-09d492eb4a47",
  "payoutId": "df3b8e5f-9579-4c1f-9fa9-deac7f4be55c",
  "status": "complete",
  "amount": {
    "amount": "50.0",
    "currency": "USD"
  },
  "fees": {
    "amount": "10.0",
    "currency": "USD"
  },
  "reason": "payout_returned",
  "createDate": "2020-12-24T11:19:20.561Z",
  "updateDate": "2020-12-24T12:01:00.523Z"
}

Nested Resources

Below is a list of resources that are commonly used in other objects.

Source and Destination Objects

Payments, payouts, and transfers reference source and destination objects, which as the names suggest, tell you where the funds are coming from and where they're going.

Sources and destinations can have the following types:

  • card for card payments
  • ach for ACH payments and payouts
  • wire for wire payments and payouts
  • blockchain for transfers to/from blockchain addresses
  • wallet for transfers to/from a Circle wallet
// "card", "ach",  "wire"
// The "id" represents the UUID of the Card, ACH, or Wire object.
{
  "type": "ach",
  "id": "4d260293-d17c-4309-a8da-fa7850f95c10"
}

// "blockchain"
// A "chain" and "address" together represent the blockchain location.
{
  "type": "blockchain",
  "address": "0x8381470ED67C3802402dbbFa0058E8871F017A6F",
  "chain": "ETH"
}

// "wallet"
// The "id" is the id of the Circle wallet.
{
  "type": "wallet",
  "id": "12345"
}

Money Object

Monetary amounts across our APIs are represented as Money objects, which consist of an amount and a currency. The only supported currency at the moment is USD, and the amount is denominated in dollars as a string with fractional cents. In the example below, the amount being represented is $3.14.

{
  "amount": "3.14",
  "currency": "USD"
}

Blockchain Addresses

{
  "address":"0x8381470ED67C3802402dbbFa0058E8871F017A6F",
  "currency":"USD",
  "chain":"ETH"
}

Merchants

{
  "marketplaceId": "1e38dcef-a947-493a-a674-f623e4418ace",
  "merchantId": "fc988ed5-c129-4f70-a064-e5beb7eb8e32",
  "merchantWalletId": "212000",
  "name": "Merchant Inc",
  "createDate": "2020-04-10T02:13:30.000Z"
}

Updated 7 months ago


Circle API Resources


List of resources used by Circle APIs.

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