Direct pay flow

Manual transfer

1

Customer selects “Direct Pay” option

The wallet connection widget opens.

2

Network selection

The customer selects the desired network (e.g., Celo, Base) and the asset they wish to pay with.

3

Payment details confirmation

Upon selecting an asset, the system instantly calls the settlement endpoint and retrieves the following:

• Exact crypto amount to send

• Destination address

• Current exchange rate

• Payment expiry timer

The customer either scans the QR code with any mobile wallet or exchange app, or copies the address and manually sends the exact amount

4

Payment confirmation

The widget starts polling the order status every 30 seconds (and offers a manual “Confirm” button) for the customer to manually confirm in case they have already paid.

Once the customer pays, the payment will be confirmed on-chain, and the customer sees “Payment Complete” and is redirected to the merchant’s success/callback URL

5

Disbursement of funds to the merchant

Clients pay using stablecoins, while merchants receive their funds in local currency. On the merchant dashboard, they can choose to enable automatic settlements, allowing funds to be disbursed automatically to their respective mobile money or bank accounts.

Alternatively, merchants may opt for manual settlements, where they can manually withdraw funds to their respective mobile money or bank accounts.