Overview

How to receive a payment from a customer into an account or wallet, step by step, and which countries and currencies work.

A collection is a payment that you receive from a customer into an internal account, an internal crypto wallet or an external crypto wallet. This page lists the steps of a collection and the countries and currencies that each method supports. For a card collection, Gravv returns a payment link. For a bank transfer collection, Gravv returns payment instructions.

Collection flow

To collect a payment:

Create a customer to get a customer id. The customer record must have a phone number and a date of birth. Its address country decides which methods the customer can use.
Start a know your customer (KYC) verification.
Open an account to hold the funds.
Send a collection request with one of the collection methods.
Show the customer the payment instructions from the response.
The customer pays by following the instructions.

On or after 31 October 2026, the values in onramp_status change and Gravv renames two collection event types. Read new_onramp_status today. See Status label change.

Supported countries and currencies

Method	Where	Currency
`card`, `apple_pay`, `google_pay`	Available in most countries	Always charged in USD, whatever `currency` you send
`bank_transfer`	Available in the countries below	The country's local currency

Country	Currency code
Benin (BJ)	XOF
Botswana (BW)	BWP
Burkina Faso (BF)	XOF
Cameroon (CM)	XAF
Côte d'Ivoire (CI)	XOF
Republic of the Congo (CG)	XAF
Gabon (GA)	XAF
Mali (ML)	XOF
Malawi (MW)	MWK
Nigeria (NG)	NGN
Rwanda (RW)	RWF
South Africa (ZA)	ZAR
Tanzania (TZ)	TZS
Togo (TG)	XOF
Uganda (UG)	UGX
Zambia (ZM)	ZMW

Not supported today:

Mobile money and PIX collections, in every country.
Bank transfer collections in Ghana, Kenya, Senegal, the Democratic Republic of the Congo and Ethiopia.