Bill pay with crypto

Bill pay lets your users pay real-world bills, like credit cards, loans, and utilities, directly with crypto. You link the user’s bills once, then pay any of them by settling crypto over the bill_pay rail.

Before you start

Authenticate as an integrator and act on behalf of a verified user. See Authentication and Onboarding.
Confirm the user’s bill_pay capability is active (see capabilities).

Link the user’s bills

Start activation. The consent object records the user accepting the bill pay terms.

curl -X POST https://platform.spritz.finance/v1/bills/activate \
  -H "Content-Type: application/json" \
  # plus your integrator signing headers and the user's Authorization (see Authentication)
  -d '{
    "consent": {
      "termsText": "...",
      "termsTextVersion": "2026-01-01",
      "acceptedAt": "2026-07-01T10:00:00.000Z"
    }
  }'

{
  "status": "verification_required",
  "activationId": "...",
  "verification": {
    "status": "challenge_required",
    "challenge": {
      "questions": [
        { "id": "q1", "prompt": "Which of these is a past address?", "options": [
          { "id": "o1", "text": "..." }, { "id": "o2", "text": "..." }
        ] }
      ]
    }
  }
}

If status is activated or already_active, you’re done and bills will sync. If it’s verification_required, run the identity challenge:

Start verification

curl -X POST https://platform.spritz.finance/v1/bills/start_verification \
  # plus signing headers and the user's Authorization
  -d '{ "activationId": "..." }'

Present the questions and submit answers

Show the challenge.questions to the user (they’re multiple choice), then submit their selections.

curl -X POST https://platform.spritz.finance/v1/bills/submit_verification/{activationId} \
  # plus signing headers and the user's Authorization
  -d '{ "responses": [ { "questionId": "q1", "value": "o2" } ] }'

List bills

Once activated, the user’s bills sync. List them to get balances and due dates:

curl "https://platform.spritz.finance/v1/bills/" \
  # plus signing headers and the user's Authorization

[
  {
    "id": "6a43ac369288351e982157b9",
    "status": "active",
    "name": "Chase Sapphire Card",
    "type": "credit_card",
    "accountNumberLast4": "4567",
    "currency": "USD",
    "liability": {
      "balance": "240.23",
      "amountDue": "28.34",
      "minimumPayment": "28.34",
      "nextPaymentDueDate": "2026-07-15"
    }
  }
]

A bill’s type is one of credit_card, auto_loan, loan, student_loan, mortgage, mobile_phone, utility, or unknown. Only bills with status: "active" can be paid.

Pay a bill

Paying a bill uses the same quote-based flow as an off-ramp, with the bill as the destination and the bill_pay rail:

curl -X POST https://platform.spritz.finance/v1/off-ramp-quotes/ \
  -H "Content-Type: application/json" \
  # plus signing headers and the user's Authorization
  -d '{
    "accountId": "6a43ac369288351e982157b9",
    "amount": "28.34",
    "amountMode": "output",
    "rail": "bill_pay",
    "chain": "ethereum",
    "tokenAddress": "0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48"
  }'

From there the flow is identical to an off-ramp: fetch the transaction parameters, have the user execute the payment on-chain, and track settlement. See the off-ramp guide for those steps, and use the payment.* webhooks to follow the bill payment to completion.

Remove a bill

curl -X DELETE https://platform.spritz.finance/v1/bills/{billId} \
  # plus signing headers and the user's Authorization

Off-ramp

The quote-and-settle flow bill payments build on.

Webhooks

Track bill payments with payment events.

Get Started

Europe (EEA)

Core Concepts

Use Cases

Bill pay with crypto

Before you start

Link the user’s bills

List bills

Pay a bill

Remove a bill

Off-ramp

Webhooks

​Before you start

​Link the user’s bills

​List bills

​Pay a bill

​Remove a bill

​Related

Off-ramp

Webhooks

Before you start

Link the user’s bills

List bills

Pay a bill

Remove a bill

Related