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

# Element Pay — Developer Docs

# Element Pay API

Element Pay lets you **on-ramp** (fiat → crypto) and **off-ramp** (crypto → fiat) with a simple API.

## Quick Links

* [Quickstart](quickstart)
* [API Reference](/api-reference)
* [Verify webhook signatures](guides/webhooks/verify-signatures)
* [Postman guide](guides/postman)

## How it works (at a glance)

* **On-ramp (order\_type = 0)**: customer pays via M-Pesa → tokens sent to `user_address`.
* **Off-ramp (order\_type = 1)**: customer spends tokens → fiat paid to PHONE / TILL / PAYBILL.
* You get **webhooks** for status updates (`order.submitted`, `order.settled`, `order.failed`, `order.refunded`).

## Environments & base URLs

| Environment | Base URL                                |
| ----------- | --------------------------------------- |
| Sandbox     | `https://sandbox.elementpay.net/api/v1` |
| Production  | `https://api.elementpay.net/api/v1`     |

**Auth header**

```http theme={null}
X-API-Key: <key>
```

## Tokens & rates (at a glance)

* Fetch supported tokens/networks from **GET `/meta/tokens`** (use the correct environment).
* Amounts in responses (`amount_sent`) are **human units** (e.g., `12.34` USDC).
* **Off-ramp** needs ERC-20 **allowance** first; otherwise you’ll get `400 insufficient_allowance`.
* `rate_used` is locked at **order creation** (see the guide below for fees/markups & examples).

**Read more:** [Tokens, Networks, Rates & Approvals](guides/tokens-and-rates)

## First call (on-ramp)

```http theme={null}
POST https://sandbox.elementpay.net/api/v1/orders/create
X-API-Key: YOUR_API_KEY_HERE
Content-Type: application/json

{
  "user_address": "0x40C2f2e0326bD1f647fbeB8732529e08B4DB309f",
  "token": "0x05D032ac25d322df992303dCa074EE7392C117b9",
  "order_type": 0,
  "fiat_payload": {
    "amount_fiat": 10,
    "cashout_type": "PHONE",
    "phone_number": "+254712531490",
    "currency": "KES",
    "narrative": "Top up for order #1007",
    "client_ref": "INV-1024"
  }
}

```

**Success response**

```json theme={null}
{
  "status": "success",
  "message": "Order submitted",
  "data": {
    "tx_hash": "0xabc123...",
    "status": "submitted",
    "rate_used": 142.1234,
    "amount_sent": 12.34,
    "fiat_paid": 1750
  }
}
```

**Track it**

* Poll: `GET /orders/tx/{tx_hash}`
* Prefer: webhooks (set URL + secret on your API key)

## Errors (shape)

```json theme={null}
{ "status": "error", "message": "string", "data": null | { ... } }
```

Common:

* **401** Missing/invalid API key
* **400** `insufficient_allowance` / `insufficient_balance`
* **422** Validation errors (`data.errors[]`)

## Try in Postman

[![Run in Postman](https://run.pstmn.io/button.svg)](https://app.getpostman.com/run-collection/46832108-fa2374b3-c6ca-4524-89dc-2c8014343a09?action=collection%2Ffork\&source=rip_markdown\&collection-url=entityId%3D46832108-fa2374b3-c6ca-4524-89dc-2c8014343a09%26entityType%3Dcollection%26workspaceId%3Dca7325ab-0063-4631-883d-3e214e77ebab)

## Need help?

* Email: [elementpay.info@gmail.com](mailto:elementpay.info@gmail.com)
* Community: WhatsApp (see header)