> ## Documentation Index > Fetch the complete documentation index at: https://docs.gate.com/llms.txt > Use this file to discover all available pages before exploring further. # Create Deposit Order > Create an OTC fiat recharge order. ## Overview This page documents the `POST /payment/open/otc/api/recharge` endpoint. The full schema, parameters, and examples are rendered from the linked OpenAPI definition above. ## Notes * Authentication uses the standard GatePay signed headers. * This page documents the standard merchant endpoint. * For shared signing rules, see [/global/api-reference/version/100/en/common/securityAndSignature](/global/api-reference/version/100/en/common/securityAndSignature). ## Usage Guidance * Call this endpoint only after a valid OTC quote has been obtained. * Persist `orderId` for later reconciliation. * The returned bank information should be treated as settlement instructions and stored together with the order snapshot. * Do not treat order creation itself as payment completion. The actual fiat remittance and confirmation step still need to happen. * **Institutional Sub-accounts**: To implement OTC deposits for institutional sub-accounts, institutional sub-account KYB certification must be completed first. For details, see: [Get Certification URL](/global/api-reference/version/100/en/endpoint/institutional/getCertificationUrl). ## OpenAPI ````yaml global/api-reference/version/100/en/openapi/otc-fiat-openapi.json POST /payment/open/otc/api/recharge openapi: 3.1.0 info: title: GatePay OTC Fiat API description: Reference for OTC fiat withdrawal and deposit APIs. version: 2.1.0 servers: - url: https://openplatform.gateapi.io security: [] paths: /payment/open/otc/api/recharge: post: summary: Create OTC Recharge Order description: Create an OTC fiat recharge order. parameters: - $ref: '#/components/parameters/X-GatePay-Certificate-ClientId' - $ref: '#/components/parameters/X-GatePay-Signature' - $ref: '#/components/parameters/X-GatePay-Timestamp' - $ref: '#/components/parameters/X-GatePay-Nonce' - name: X-GatePay-On-Behalf-Of in: header required: false schema: type: string description: >- Institutional sub-account UID. Only required when an institution submits a request on behalf of a sub-account; not required for direct merchant requests. requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/OtcRechargeRequest' responses: '200': description: Success content: application/json: schema: $ref: '#/components/schemas/OtcRechargeResponse' components: parameters: X-GatePay-Certificate-ClientId: name: X-GatePay-Certificate-ClientId in: header required: true schema: type: string description: Merchant application client ID used to identify the calling app. X-GatePay-Signature: name: X-GatePay-Signature in: header required: true schema: type: string description: >- HMAC signature generated from the request according to GatePay signing rules. X-GatePay-Timestamp: name: X-GatePay-Timestamp in: header required: true schema: type: string description: >- Millisecond timestamp; the difference from server time must not exceed 30 seconds. X-GatePay-Nonce: name: X-GatePay-Nonce in: header required: true schema: type: string description: Random nonce used together with the timestamp to prevent replay attacks. schemas: OtcRechargeRequest: type: object properties: quoteToken: type: string description: Quote token returned by the quote API. bankId: type: string description: Merchant bank ID used for remittance. currency: type: string description: 'Cryptocurrency to receive. Currently supported: USDT, USDC.' amount: type: string description: Cryptocurrency amount to be credited. fiatCurrency: type: string description: 'Fiat currency to remit. Currently supported: USD.' fiatAmount: type: string description: Fiat amount to be paid. promoCode: type: string description: Optional promotion code. required: - quoteToken - bankId - currency - amount - fiatCurrency - fiatAmount example: quoteToken: qt_01JXYZABCDEF bankId: ba_123456789 currency: USDT amount: '1088.42' fiatCurrency: USD fiatAmount: '1000' OtcRechargeResponse: type: object properties: code: type: string description: Business response code. status: type: string description: Top-level request status. errorMessage: type: string description: Error message when the request fails. data: $ref: '#/components/schemas/OtcRechargeOrder' description: Created deposit order payload. OtcRechargeOrder: type: object properties: orderId: type: string description: Gate OTC order ID. otcOrderId: type: string description: OTC order ID. currency: type: string description: Cryptocurrency code. amount: type: string description: Cryptocurrency amount. fiatCurrency: type: string description: Fiat currency code. fiatAmount: type: string description: Fiat amount. cfRate: type: string description: Exchange rate. bankId: type: string description: Bank ID. bankNumber: type: string description: Bank number. paid: type: boolean description: Whether the order has been paid. status: type: string description: Current order status. card_info: $ref: '#/components/schemas/OtcCardInfo' description: Gate OTC collection bank information. createTime: type: integer format: int64 description: Order creation timestamp (epoch millis). promoCode: type: string description: Promotion code. transferRemark: type: string description: Required remittance remark. paymentReceiptFileUrl: type: string description: Payment receipt file URL. tradeFee: type: string description: Total amount of all fee items. feeCurrency: type: string description: Currency in which each fee item is denominated. feeDetail: type: array description: Fee breakdown. items: $ref: '#/components/schemas/OtcQuoteFeeDetail' OtcCardInfo: type: object properties: id: type: integer format: int64 description: Card info record ID. uid: type: integer format: int64 description: Merchant UID. entity: type: string description: Entity name. bank_account_name: type: string description: Collection bank account holder name. bank_name: type: string description: Collection bank name. bank_country: type: string description: Collection bank country. bank_address: type: string description: Collection bank address. bank_code: type: string description: Bank code. branch_code: type: string description: Branch code. iban: type: string description: Collection IBAN or account number. swift: type: string description: Collection SWIFT or BIC code. remittance_line_number: type: string description: Bank routing or remittance line number. agent_bank_name: type: string description: Agent bank name if applicable. agent_bank_swift: type: string description: Agent bank SWIFT if applicable. transferRemark: type: string description: Required remittance remark or payment reference. memo: type: string description: Memo. is_default: type: boolean description: Whether this is the default card. bank_id: type: string description: Bank ID. OtcQuoteFeeDetail: type: object properties: feeType: type: string description: >- Fee type: `BANK` fee charged by the bank channel, `GATE_PAY` Gate Pay service fee amount, `SUBSIDY` promotional amount deducted from charged fees. amount: type: string description: Amount for this fee item. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.