> ## Documentation Index
> Fetch the complete documentation index at: https://devdraft.ai/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Create Bank Payment Intent

> Accept fiat payments via ACH, Wire, and SEPA.

Convert fiat to stablecoins using traditional banking rails.

## Endpoint

<ParamField path="POST /payment-intents/bank" type="endpoint">
  Create a new bank payment intent.
</ParamField>

### Headers

<ParamField header="x-client-key" type="string" required>
  Your application's client key.
</ParamField>

<ParamField header="x-client-secret" type="string" required>
  Your application's client secret.
</ParamField>

<ParamField header="idempotency-key" type="string">
  Unique UUID v4 to prevent duplicate payments. Keys expire after 24 hours.
</ParamField>

### Body

<ParamField body="sourcePaymentRail" type="enum" required>
  Payment method (`ach_push`, `wire`, `sepa`).
</ParamField>

<ParamField body="destinationCurrency" type="enum" required>
  Target stablecoin (`usdc`, `eurc`).
</ParamField>

<ParamField body="sourceCurrency" type="enum">
  Source fiat currency (`usd`, `eur`). Defaults to `usd`.
</ParamField>

<ParamField body="amount" type="string">
  Payment amount. Omit for flexible amounts.
</ParamField>

<ParamField body="customer_email" type="string">
  Customer email for notifications.
</ParamField>

### Payment Details

<ParamField body="wire_message" type="string">
  Message for Wire transfers (max 256 chars).
</ParamField>

<ParamField body="sepa_reference" type="string">
  Reference for SEPA transfers (6-140 chars).
</ParamField>

<ParamField body="ach_reference" type="string">
  Reference for ACH transfers (max 10 chars).
</ParamField>

## Examples

<CodeGroup>
  ```bash ACH to USDC theme={null}
  curl -X POST https://api.devdraft.ai/api/v0/payment-intents/bank \
    -H "x-client-key: <KEY>" \
    -H "x-client-secret: <SECRET>" \
    -H "idempotency-key: <UUID>" \
    -d '{
      "sourcePaymentRail": "ach_push",
      "sourceCurrency": "usd",
      "destinationCurrency": "usdc",
      "amount": "1000.00",
      "customer_email": "user@example.com",
      "ach_reference": "INV12345"
    }'
  ```
</CodeGroup>