Payment Methods Quickstart

List payment methods and test a fiat withdrawal flow in Sandbox

This guide walks you through listing your available payment methods and testing a fiat withdrawal transfer in Sandbox. The Sandbox uses pre-provisioned mock payment methods and does not connect to any real bank or payment network.

Base URL: https://sandbox.cdp.coinbase.com

Prerequisites

Before you begin, you’ll need:

CDP CLI

Install the CDP CLI (requires Node.js 22+):

npm install -g @coinbase/cdp-cli

Configure a Sandbox environment using your CDP Secret API Key JSON file from the CDP Portal:

cdp env sandbox --key-file ./cdp-api-key.json --url https://sandbox.cdp.coinbase.com

Keep the API key secret. Never commit it to source control.

A funded Sandbox account

See the Custodial Accounts Quickstart for setting up a Sandbox account with funds.

Set the account ID:

export ACCOUNT_ID="account_db458f63-..."

1. List payment methods

In Sandbox, test payment methods are pre-configured based on your entity’s region. List them to find the IDs you’ll use in transfers:

cdp api /platform/v2/payment-methods -e sandbox

Example response (US entity)

{
  "paymentMethods": [
    {
      "paymentMethodId": "paymentMethod_398435cb-03bd-5568-b8d5-44accd7ce305",
      "active": true,
      "paymentRail": "fedwire",
      "fedwire": {
        "bankName": "JPMorgan Chase Bank NA",
        "accountLast4": "9012",
        "routingNumber": "021000021",
        "asset": "usd"
      }
    },
    {
      "paymentMethodId": "paymentMethod_82933da3-bd1e-5c8d-a05f-9ef912e5bce9",
      "active": false,
      "paymentRail": "fedwire",
      "fedwire": {
        "bankName": "Bank of America NA",
        "accountLast4": "1098",
        "routingNumber": "026009593",
        "asset": "usd"
      }
    },
    {
      "paymentMethodId": "paymentMethod_d984c884-7fef-51e8-98a2-742ba6e32515",
      "active": true,
      "paymentRail": "swift",
      "swift": {
        "bankName": "Deutsche Bank",
        "bic": "DEUTDEFF",
        "ibanLast4": "3000",
        "asset": "usd"
      }
    }
  ]
}

Sandbox includes both active and inactive payment methods so you can test both success and failure paths.

Save the payment method IDs you’ll use in the next steps:

export ACTIVE_PM_ID="paymentMethod_398435cb-..."   # Active: transfers succeed
export INACTIVE_PM_ID="paymentMethod_82933da3-..." # Inactive: transfers fail

2. Test a successful fiat withdrawal

Transfer from your USD account to the active Fedwire payment method:

cdp api -X POST /platform/v2/transfers -e sandbox \
  source.accountId=$ACCOUNT_ID \
  source.asset=usd \
  target.paymentMethodId=$ACTIVE_PM_ID \
  target.asset=usd \
  amount=5.00 \
  asset=usd \
  'execute:=true'

Example response

{
  "transferId": "transfer_8b707d29-4690-4948-b645-de1cd1f5fd05",
  "status": "completed",
  "source": {
    "accountId": "account_db458f63-418a-4a91-a045-fab93ac35c3f",
    "asset": "usd"
  },
  "target": {
    "paymentMethodId": "paymentMethod_398435cb-03bd-5568-b8d5-44accd7ce305",
    "asset": "usd"
  },
  "sourceAmount": "5",
  "sourceAsset": "usd",
  "targetAmount": "5",
  "targetAsset": "usd",
  "createdAt": "2026-02-11T23:19:24.086Z",
  "updatedAt": "2026-02-11T23:19:24.183Z"
}

The transfer completes, your account balance decreases by $5, and you receive webhook events: payment.transfer.processing → payment.transfer.completed.

3. Test a failed transfer (error handling)

Transfer to the inactive payment method to test how your integration handles errors:

cdp api -X POST /platform/v2/transfers -e sandbox \
  source.accountId=$ACCOUNT_ID \
  source.asset=usd \
  target.paymentMethodId=$INACTIVE_PM_ID \
  target.asset=usd \
  amount=5.00 \
  asset=usd \
  'execute:=true'

Example error response

{
  "errorType": "invalid_request",
  "errorMessage": "Target payment method payment method id is invalid.",
  "errorLink": "https://docs.cdp.coinbase.com/api-reference/v2/errors#invalid-request",
  "correlationId": "9cc7d1cd1cae8b7e-IAD"
}

Sandbox payment method reference

US entities

Payment rail	Bank	Status	Behavior
Fedwire	JPMorgan Chase Bank NA	active	Transfers succeed
Fedwire	Bank of America NA	inactive	Transfers fail
Swift	Deutsche Bank	active	Transfers succeed

EU entities

Payment rail	Bank	Status	Behavior
SEPA	Deutsche Bank	active	Transfers succeed
SEPA	Baden-Württembergische Bank	inactive	Transfers fail

Move to production

To run this flow against real banks, switch from the Sandbox base URL to the production base URL and use a production API key. Production payment methods are real bank accounts you set up in the Coinbase Prime UI.

What to read next

Payment methods overview

Concepts, types, and core operations

Transfers quickstart

Test crypto and email transfers too

Transfers overview

All transfer types, rails, and lifecycle

REST API reference

Full Payment Methods API reference