Coinflow alternative for payouts outside its bank rails
Coinflow's bank payouts cover the US, the euro area, the UK, Brazil and Canada; elsewhere it pushes to debit cards. A Coinflow alternative pays users from USDT or USDC to bank or mobile money. Stay with Coinflow for card checkout.
When to stay with Coinflow
You take card payments and want chargebacks covered
Coinflow Checkout takes cards, Apple Pay and Google Pay, and its optional chargeback protection covers approved card payments that later turn into chargebacks. The Unigox Payments API collects by bank transfer or mobile money, with no card checkout.
Your users cash out in USD, EUR, GBP, BRL or CAD
Coinflow pays euro IBANs by SEPA Instant, UK accounts by Faster Payments, Brazil by Pix and Canada by Interac or EFT, and its most common payout flow draws on the Coinflow Wallet, the balance its checkout settles into. Unigox does not currently offer its services in the United States, where Coinflow pays out by RTP, same-day ACH and wire.
Your users want the money on a debit card
Coinflow pushes payouts to eligible Visa and Mastercard debit cards, through Apple Pay too, and to Venmo and PayPal accounts in the US. Unigox pays only bank and mobile money accounts.
Coinflow payouts and the Unigox Payments API
| Topic | Coinflow | Unigox |
|---|---|---|
| What it is | One platform for pay-ins, payouts and FX, sold to gaming, marketplace, payroll, remittance and e-commerce companies, with a PCI-compliant card checkout and chargeback protection. | An API that pays your users and collects from them in local currency, by bank or mobile money, while your company's side stays in USDT or USDC. |
| Where a payout lands | Bank accounts in USD, EUR, GBP, BRL and CAD, and Venmo or PayPal in the US. In other countries it lists, eligible Visa or Mastercard debit cards by push to card. Crypto payouts send tokens to the user's own wallet once the integrations team enables them. | The user's own bank or mobile money account, in each currency Unigox shows as live for payouts. |
| Paying out from stablecoins | Payouts come from your Coinflow Wallet, filled by checkout proceeds or a wire top-up. In stablecoin deposit payouts, which its integrations team enables, a user sends USDC or USDT on Polygon, Solana, Ethereum, Arbitrum or Base, and Coinflow pays USD to their linked bank account or debit card. Users can also withdraw from their own crypto wallet to their bank account. | USDT or USDC from your partner wallet, which your server signs into on-chain escrow. A payment business or an individual P2P merchant then pays the user; you can limit a quote to payment businesses. |
| Collecting money | Cards, Apple Pay, Google Pay, PayPal, ACH, wires, Pix, SEPA from euro IBANs and UK Faster Payments. Funds settle to the Coinflow Wallet, with an optional daily ACH sweep, or directly to a wallet or whitelisted contract you control. | Users pay by bank transfer or mobile money; USDT or USDC reaches your partner wallet once the local payment is confirmed. |
| Payout fees | Rates are set in your MSA, not published. The processing fee is a fixed amount plus a percentage, taken from the user's withdrawal by default; you can ask to pay it yourself per payout or have it billed at the end of each billing period. | Each quote states the rate, the Unigox fee, your own percentage fee and the total. Your fee lands in the partner wallet when the order completes, and an order that does not complete is not charged. |
| Contract and going live | A sandbox merchant account and API key are self-serve. Live services run under an Order Form, and ending it early for convenience takes 30 days' notice plus the minimum fees left in its term. | A call to agree markets and company verification come first. You then build in a sandbox with the same endpoints as production and receive the live key. |
| Regulation | Its terms say a financial institution or money services business chosen by Coinflow executes the transfers, and that no Coinflow company is authorised as a crypto-asset service provider or payment institution in the EU or EEA. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove Coinflow withdrawals to Unigox
Name your withdrawal currencies, then verify
Tell us which currencies your users withdraw in, then send registration papers, ownership and source of funds. Your Coinflow merchant review does not transfer; the API key comes after approval.
Swap withdraw calls for orders
Coinflow pays a linked bank or card token at a chosen speed. Unigox works from a quote, an order and a transfer your server signs. Build it in the sandbox and listen for the signed status webhooks.
Fund the partner wallet
Coinflow pays from your Coinflow Wallet balance; Unigox pays from USDT or USDC you hold in the partner wallet, so top it up before upcoming payouts. Coinflow checks each user before the first payout, and Unigox runs its own check: ID and selfie, a Unigox verification link, or reuse of an eligible Sumsub or Persona check.
Questions about Coinflow alternatives
What is a Coinflow alternative for payouts to mobile money?
The Unigox Payments API. It pays your users' bank or mobile money accounts in local currency, and you fund each payout in USDT or USDC. Coinflow's docs list bank payouts in USD, EUR, GBP, BRL and CAD, and debit card payouts in a list of other countries.
What is Coinflow used for?
Coinflow takes card, wallet and bank payments for gaming, marketplace, payroll, remittance and e-commerce companies, offers optional chargeback cover on approved card payments, and pays users out to banks, debit cards, Venmo, PayPal or their own crypto wallets.
How does Coinflow API setup compare with Unigox?
Coinflow lets you register a sandbox merchant account and create an API key yourself, and live services start under an Order Form. Unigox starts with a call and company verification; its sandbox uses the same endpoints as production.
Does Coinflow publish its pricing?
No. Coinflow's payout fees are set in each merchant's MSA, and by default its processing fee comes out of the user's withdrawal. A Unigox quote shows its fee, your fee and the total before you place the order.
Where do your users withdraw outside Coinflow's rails?
Bring the countries, bank or mobile money, and whether your balance is USDT or USDC. On the call we check each one against the currencies the Payments API pays today.
Coinflow and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.