Kinetic Flow Features
Payment APIs designed for production fintech — not marketing decks. Every feature has a concrete API, a real response, and a test case.
Idempotent Payment API
Every POST to /payments includes an idempotency key. Duplicate submissions within a 24-hour window return the original response without re-processing.
// Idempotent Payment API
POST /v1/payments
Idempotency-Key: {{idempotency_key}}
{"amount": 1000, "currency": "USD", "rail": "fednow"}Real-Time Webhooks
Push events to your endpoint as they happen. Guaranteed ordering, automatic retry with exponential backoff, and signature verification.
// Real-Time Webhooks
POST /v1/webhooks
{"event": "payment.completed", "payment_id": "pay_xxx", "rail": "fednow", "timestamp": "..."}Rail-Aware Routing
Specify the rail explicitly or let the system choose based on amount, urgency, and recipient bank capabilities. FedNow, RTP, ACH, SWIFT supported.
// Rail-Aware Routing
// Route by speed preference
{"rail": "fednow"} // sub-second
{"rail": "rtp"} // seconds
{"rail": "ach"} // next business dayMulti-Currency with FX
Hold balances in arbitrary currency pairs. Real-time FX conversion at mid-market rates. Settlement in local currency or USD.
// Multi-Currency with FX
// Convert USD to MXN
POST /v1/conversions
{"from": "USD", "to": "MXN", "amount": 1000}
// Returns: {"fx_rate": 17.12, "amount_mxn": 17120, "fee": 0.50}Sandbox with Edge Cases
Full production parity in sandbox. Simulate slow responses, rejected payments, and webhook failures to test your error handling paths.
// Sandbox with Edge Cases
# Simulate a FedNow failure
POST /v1/test/simulate
{"rail": "fednow", "scenario": "insufficient_funds"}SDKs for 6 Languages
Official libraries for JavaScript, TypeScript, Python, Ruby, Go, Java. Generated from OpenAPI spec, version-locked, with changelog.
// SDKs for 6 Languages
# JavaScript / TypeScript
npm install @kinetic/sdk
const kinetic = new Kinetic({ apiKey: process.env.KINETIC_API_KEY });
const payment = await kinetic.payments.create({...});