Guest checkout

const url = "https://api.moonpay.com/platform/v1/sessions";

const res = await fetch(url, {
  headers: {
    "Content-Type": "application/json",
    "X-Api-Key": "sk_test_123",
  },
  method: "POST",
  body: JSON.stringify({
    externalCustomerId: "your_user_id",
    deviceIp: "...ip address from client",
    email: "customer@example.com",
    phoneNumber: "+14155551234", // E.164 format
    termsAcceptedAt: "2026-01-12T14:44:30Z", // ISO 8601, within 60s ahead of server time
  }),
});

console.log(await res.json());

{
  "sessionToken": "c3N0XzAwMQ=="
}

import { createClient } from "@moonpay/platform-sdk-web";

const client = createClient({
  sessionToken: "c3N0XzAwMQ==", // The session token from your server
});

const connectionResult = await client.getConnection();

if (!connectionResult.ok) {
  // Handle error
}

const connection = connectionResult.value;

if (connection.capabilities?.guestCheckout) {
  // Offer Apple Pay and/or Google Pay on the guest path (continue below)
} else {
  // Connect the customer with the standard flow.
  // See /platform/guides/connect-a-customer
}

{
  status: "connectionRequired",
  // Encrypted credentials — the SDK decrypts and stores them internally
  credentials: "ZW5jXzAwMQ==",
  capabilities: {
    guestCheckout: {
      requirements: {}
    }
  }
}

import type { ChallengeEvent } from "@moonpay/platform-sdk-web";

const quoteResult = await client.getQuote({
  source: { asset: { code: "USD" }, amount: "500.00" },
  destination: { asset: { code: "ETH" } },
  wallet: { address: "0x1234..." },
  paymentMethod: { type: "apple_pay" },
});

if (!quoteResult.ok) {
  // Handle error
}

const quote = quoteResult.value;

if (!quote.challenge) {
  // Nothing to upgrade. Render the payment frame with quote.signature and
  // skip the rest of this block.
}

const challengeResult = await client.setupChallenge({
  url: quote.challenge.url, // Comes from the quote. Pass it through as-is.
  container: document.querySelector("#challengeContainer"),

  onEvent: (event: ChallengeEvent) => {
    switch (event.kind) {
      case "ready":
        // The upgrade UI is visible. Reveal your modal if it starts hidden.
        break;

      case "complete": {
        if (event.payload.flow !== "guest_checkout_limit_upgrade") break;

        if (event.payload.status === "upgraded") {
          // Limit raised. Quote again to get an executable quote.
        } else {
          // "rejected". The step-up cannot lift this limit any further.
          // Offer full verification instead.
        }

        challengeResult.value.dispose();
        break;
      }

      case "cancelled":
        // The customer dismissed the frame. The limit is unchanged.
        challengeResult.value.dispose();
        break;

      case "error":
        console.error(event.payload.code, event.payload.message);
        challengeResult.value.dispose();
        break;
    }
  },
});

if (!challengeResult.ok) {
  // Handle error setting up the challenge frame
}

{
  // ...quote details
  expiresAt: "2026-01-12T14:45:00Z",
  executable: false,
  signature: "eyJhbGciOiJFUzI1NiIs...",
  challenge: {
    kind: "frame",
    url: "https://platform.moonpay.com/v2/challenge?challengeToken=eyJhbGciOiJFUzI1NiIs..."
  }
}