The quote-and-accept process
Every conversion on Noxpay works in two steps: first you get a quote, then you accept it.
Step 1 — You request a quote. You enter the currency pair and either the amount you want to send or the amount you want to receive. Noxpay returns rates for both same-day (D0) and next-day (D1) settlement, each with its own settlement time estimate.
Step 2 — You accept. You pick which settlement day you want and where the converted funds should go (a crypto wallet or a Pix key), then confirm. The rate you accept is the rate you get — no surprises.
This two-step process protects you from rate changes between the moment you look up a price and the moment you lock it in.
Quote expiry and renewal
A quote is only held for a short window — by default 30 seconds. After that:
- The quote expires and Noxpay automatically renews it with a fresh rate from the market. If you try to accept an expired quote, you get an error telling you the rate changed — fetch the renewed quote and confirm again if you still want to proceed.
- Renewal keeps happening automatically for a limited time — by default 10 minutes from when the quote was first created. After that window, the quote is retired and you need to request a new one from scratch.
These windows are configurable per account, so the exact numbers may differ for you.
How rates work
Rates are based on live market prices, with a spread applied — the spread is Noxpay’s fee for executing the conversion and is already included in the rate you see. D0 and D1 are typically priced differently, since settling sooner or later changes Noxpay’s own cost of funding the trade.
How settlement works
Accepting a quote does not move funds instantly. Instead:
- The converted amount is set aside on your account (visible as a receivable), and the trade is locked at the accepted rate.
- Delivery happens at the settlement time you were quoted — same day for D0, or the next business day for D1.
- Once delivery completes, the funds move into your available balance and you can use or withdraw them.
If something goes wrong during delivery, your funds stay safely held as a receivable — they are never lost — and Noxpay’s operations team is automatically notified to resolve it.
Is there a minimum or maximum amount?
Minimum and maximum conversion amounts, along with daily and monthly limits, are set per account. If you attempt a conversion below the minimum or above your available balance, you will see an error before you can accept.
If you are converting a large amount, you may want to do it in a single transaction rather than multiple smaller ones — each conversion incurs a spread, so fewer transactions means less total cost.
