API docs

No-KYC Virtual Card API

Create crypto-funded one-time virtual card orders, collect payment to an assigned wallet, then redeem issued Visa or Mastercard details with a redeem_id.

Base URL

https://api.onramp-pay.com

This page documents one-time card orders. Reloadable cards use a separate lifecycle.

No API key is required for these public endpoints.

Onramp Pay charges 3%. Card issuer, load, network, or provider costs are separate.

Important notes

Save redeem_id immediately. It is the only way to track payment status and redeem the card.
Show a 10 minute payment timer to customers. Late payments should use a newly created order.
Send only the requested coin and network to address_in. Wrong-chain deposits can be lost.
Affiliate fee rule: 0.03 Onramp Pay fee + sub_affiliate_fee + merchant_fee must equal 0.99. The payment provider keeps the remaining 0.01.
Set sub_affiliate_fee between 0.00 and 0.03. Commissions above 3% may be blocked to prevent abusive or misleading customer charges.

GET

Provider Stock Status

GET

https://api.onramp-pay.com/crypto/cards/provider-status/

Returns available card products, stock status, allowed USD amounts, deposit methods, and required parameters for each provider.

Example response

OK 200

{
  "cards": {
    "mastercard": {
      "brand": "Swype Mastercard",
      "provider": "mastercard",
      "status": "available",
      "currency": "USD",
      "amount": {
        "min": 5,
        "max": 499
      },
      "required_parameters": ["provider", "amount"],
      "optional_parameters": {
        "ticker": {
          "default": "polygon/usdt",
          "supported": ["polygon/usdt", "polygon/usdc", "eth", "btc", "xmr", "sol/sol"]
        }
      }
    }
  }
}

GET

Create Card

GET

https://api.onramp-pay.com/crypto/cards/wallet.php?provider=mastercard&amount=150

Creates a one-time card order and returns the payment wallet, amount due, QR code, and redeem_id. Store redeem_id because it is required to track payment and redeem the card.

Parameters

provider: visa, mastercard, paypal, or supported provider

amount: desired card value in USD

paypal_email: required for paypal provider

ticker: optional deposit coin, defaults to polygon/usdt

Example response

OK 200

{
  "redeem_id": "_nK2qUzxf1EM4NnNjAGypJ2n",
  "amount": 159.92,
  "payment_coin": "USDT",
  "payment_instructions": "USDT Polygon/MATIC Network only",
  "network": "Polygon",
  "card_value": "150.00",
  "card_currency": "USD",
  "card_type": "mastercard",
  "address_in": "0x3D7AB5Ff706a00D4939Ada4C7d819B408BA104D1",
  "timestamp_token": "1772465271799_2812974",
  "qr_code": "base64_png_image",
  "ipn_token": "support_tracking_token"
}

GET

Affiliate Create Card

GET

https://api.onramp-pay.com/vcc-set-affiliate.php?provider=mastercard&amount=350&sub_affiliate=0xSubAffiliateWallet&sub_affiliate_fee=0.01&merchant_fee=0.95&domain=checkout.sub-affiliate-website.com

Creates a one-time card order with affiliate commission enabled. The payment provider keeps 1%, Onramp Pay receives 3%, and the affiliate may add a commission of up to 3%. In the API allocation, Onramp Pay fee (0.03) + sub_affiliate_fee + merchant_fee must equal 0.99. The provider fee is the remaining 0.01. Affiliate commissions above 0.03 may be blocked by the system to protect customers from abusive or misleading charges.

Parameters

provider: card provider

amount: desired card value in USD

sub_affiliate: affiliate commission wallet

sub_affiliate_fee: affiliate commission as a decimal from 0.00 to 0.03. Use 0.01 for 1% or 0.03 for the maximum 3%. Values above 0.03 may be blocked

merchant_fee: merchant share, calculated as 0.96 minus sub_affiliate_fee. For a 1% affiliate commission use 0.95; for the maximum 3% commission use 0.93

domain: affiliate checkout domain

Example response

OK 200

{
  "redeem_id": "6_3KIR_eNc-qf1MAr7Tak4hf",
  "amount": 416.12,
  "payment_coin": "USDT",
  "card_value": "350.00",
  "card_currency": "USD",
  "card_type": "mastercard",
  "address_in": "0xCardOrderWallet",
  "qr_code": "base64_png_image",
  "ipn_token": "support_tracking_token"
}

GET

Check Payment Status and Redeem

GET

https://api.onramp-pay.com/crypto/cards/status.php?redeem_id=CIkmH5JIJWnQe4rYIfS7G_9i

Checks whether the card order payment is paid and whether the issuer has completed the card. When completed, the response includes the redeem link or card code/PIN fields when available.

Parameters

redeem_id: ID returned by Create Card

Example response

OK 200

{
  "payment_status": "paid",
  "card_issuer_status": "completed",
  "redeem_link": "https://redeem.yourdigitalreward.com/activate-code/example"
}