> ## Documentation Index
> Fetch the complete documentation index at: https://docs.polygon.technology/llms.txt
> Use this file to discover all available pages before exploring further.

# Cash pickup

> Let a customer withdraw crypto as physical cash at a retail or ATM location.

<Note>
  **Before you start:** the OMS API is in early access. Every endpoint, including the ones in this guide, requires an early-access API key. [Request access](https://info.polygon.technology/get-early-access?utm_source=docs\&utm_medium=card\&utm_campaign=oms_access) before you begin.
</Note>

## How it works

A customer holds USDC in an OMS wallet and wants to withdraw as physical cash. You create a quote whose source is the customer's OMS wallet and whose destination is a `cash` instrument at an ALLPOINT pickup location, with the cash amount set on the destination side. OMS converts the crypto to fiat, issues a time-limited pickup code, and the customer collects cash at a retail counter or ATM. The transaction direction is `cryptoToCash`.

This is the complement to [Cash-in](/api-reference/guide-cash-in). Cash-in funds a wallet from cash; cash pickup withdraws from a wallet to cash.

<div style={{border:"1px solid #C8CFE1",borderRadius:"12px",overflow:"hidden",marginBottom:"24px"}}>
  <div style={{background:"linear-gradient(180deg,#EAE4F5 0%,#F6F3FB 100%)",borderBottom:"1px solid #D5C4F2",padding:"10px 16px",fontSize:"11px",fontWeight:"700",color:"#670DE5",letterSpacing:"0.06em",textTransform:"uppercase"}}>Cash pickup flow</div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>1</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontFamily:"'Geist Mono',ui-monospace,monospace",fontSize:"12px",color:"#141635"}}>POST /quotes (cryptoToCash, amount on destination)</span>
  </div>

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    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>2</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{color:"#48526F",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Quote with pickup fee breakdown</span>
  </div>

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    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>3</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Customer</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Show amount to receive</span>
  </div>

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    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>4</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Customer</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Confirm</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>5</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontFamily:"'Geist Mono',ui-monospace,monospace",fontSize:"12px",color:"#141635"}}>POST /transactions \{quoteId}</span>
  </div>

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    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>6</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontSize:"13px",color:"#141635",marginLeft:"4px"}}>Pull USDC from wallet</span>
  </div>

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    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>7</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{fontFamily:"'Geist Mono',ui-monospace,monospace",fontSize:"12px",color:"#141635"}}>Webhook: transaction.cryptoToFiat.cashPickupReady</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>8</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Customer</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Show pickup code + location</span>
  </div>

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    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>9</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Customer</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Retail</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Present code, collect cash</span>
  </div>

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    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>10</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{fontFamily:"'Geist Mono',ui-monospace,monospace",fontSize:"12px",color:"#141635"}}>Webhook: transaction.cryptoToFiat.completed</span>
  </div>
</div>

## Limits

The following limits apply to cash pickups (cash-outs):

| Limit                 | Value                                                             |
| --------------------- | ----------------------------------------------------------------- |
| Transaction increment | Multiples of \$20.00 USD                                          |
| Transaction minimum   | \$20                                                              |
| Transaction maximum   | \$400                                                             |
| Daily maximum         | \$1,000 in California and New Mexico; \$2,000 in all other states |
| Monthly maximum       | \$60,000                                                          |

## What is available today

The quote and transaction mechanics for a cash pickup are part of the canonical API. A `cryptoToCash` quote takes an OMS wallet as the `source` and a `cash` destination whose `details` carry `asset: usd`, a `cashLocationId`, a `cashLocationReference`, and the `amount` (a multiple of \$20.00, up to \$400.00 per transaction). You execute it with `POST /transactions` referencing the quote by `quoteId`, and OMS drives the pickup through the `transaction.cryptoToFiat.*` events: `transaction.cryptoToFiat.processing` when the payout starts, `transaction.cryptoToFiat.cashPickupReady` when the pickup code is issued, `transaction.cryptoToFiat.completed` when the cash is collected, and `transaction.cryptoToFiat.codeExpired` if the code expires uncollected. The transaction's `subStatus` carries the matching detail (for example `completed.cashPickupCollected`). See [Webhook events](/api-reference/webhook-events) for the envelope and the full catalog.

Cash pickup is enabled per project through early access; contact us before you build against it.

## Planned capabilities

* Cash-out location lookup with `GET /cash-locations` and `flow=cash_out`
* Time-limited pickup codes with automatic refund on expiry
* Wider coverage across US retail networks and ATMs

***

<Note>
  Cash pickup is under active development and available through early access. Contact us to enable it for your project.

  <Card title="Register interest" icon="envelope" href="https://info.polygon.technology/get-early-access?utm_source=docs&utm_medium=card&utm_campaign=oms_access">
    Share your use case and we'll reach out when cash pickup is available.
  </Card>
</Note>