This endpoint is used to exchange cryptocurrency to fiat with next withdraw to bank card or bank account (SEPA withdraw).

Before making a request to /v2/exchange/external/withdraw-with-exchange, you should make a request to receive rateId to /v2/rate/freeze. This request allows you to "freeze" the exchange rate for a certain (defined by the settings) time.

At the same time, in order to receive a freeze rate as part of this type of transaction, it is required to specify the withdrawPaymentCode, since a withdraw to card/bank account is used after exchanging crypto-fiat.

The payment method, in addition to determining the cost of the exchange operation, also contains a list of required fields (fields) asked by the provider to ensure the successful execution of the payment.
Therefore, when performing a freeze rate (/v2/rate/freeze), it is enough to specify only the withdrawPaymentCode, and when performing an exchange operation (/v2/exchange/external/withdraw-with-exchange), you need to specify the withdrawPaymentCode together with the fields for this payment method.

The list of fields and their parameters are returned together with the payment method as a response to the request at /v2/exchange/external/pre-request.

Withdrawal of fiat currency will begin only after the successful exchange of cryptocurrency to fiat will happen and will be processed only if all the fields described in the pre-request are correctly transmitted to provider.

Withdraw with exchange can acquire the following statuses:

Created - operation created;
Processing - operation in processing;
OnHold - the operation is blocked (for example, for checking AML);
Declined - the operation is rejected;
Completed - the operation is successful.

To provide information about the status of the operation, a callback service is implemented. The link for receiving callbacks should be provided in the Withdraw with exchange request.

The duration of execution of a Withdraw with exchange request depends on speed of fiat withdraw processing. Fiat withdraw made using a bank card may take a few moments, while a SEPA transfer can take up to 3-5 days.Part of exchange is instant.

Information about the amount of operation fees will be indicated along with other operation details.