High Level User Flow

This page describes the complete end-to-end payment lifecycle.

Payment Flow Steps

1. Merchant registers in the system
2. Merchant reaches "Advanced" verification status by passing security checks
3. Merchant configures business account:
   • Receiving assets
   • Auto-conversion settings
   • Underpayment limits
   • Default asset
   • Auto-withdrawals (API only)
   • Default fee-payee
4. Merchant creates an invoice
5. Merchant shares the invoice link with the client
6. Client fills in their email and selects the payment asset (if not pre-defined by the merchant)
7. Client sees the payment amount, fees, and deposit address
8. Client pays the invoice from an external wallet or exchange

Payment Outcomes

Scenario	Result
Correct amount (or within underpayment limit)	Invoice → Done
Underpayment below limit	Invoice → Wrong
Merchant accepts "Wrong" invoice	Invoice → Done
Merchant declines "Wrong" invoice	Webhook → Refunded
Overpayment	Invoice → Done with "Overpayment" mark

Post-Payment Steps

• (Optional) Merchant swaps received amount to any supported asset
• Merchant withdraws assets to an external wallet