FAQs

What's the difference between payment ID and reference?

• ID (pay_abc123): Internal identifier, used in database
• Reference (2S-A1B2C3): Human-friendly code for sharing with users

Can users pay more or less than the exact amount?

Yes, with a 2% tolerance. Overpayments are processed normally. Significant underpayments may require manual handling.

What happens if settlement fails?

1. The system retries automatically.
2. If retries are exhausted, our operations team is alerted immediately and can complete the settlement manually.
3. You can track the payment's status at any time via GET /v1/payments/:reference or your configured callback.

How long do payments take?

Stage	Time
Create payment	Instant
Detect deposit	5-60 seconds
Confirmations	1-20 minutes (varies by chain)
Fiat settlement	1-5 minutes

Can I cancel a payment?

Payments cannot be cancelled once crypto is sent. Before deposit, simply let the payment expire.

What are the minimum/maximum amounts?

• Minimum: Varies by crypto (typically $1 equivalent)
• Maximum: Based on your account tier and daily limits

How do I test in development?

1. Use testnet API endpoint (if available)
2. Create test API keys with limited permissions
3. Use small amounts on mainnet for integration testing

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