# Direct pay flow
Manual transfer
{% stepper %}
{% step %}
**Customer selects “Direct Pay” option**
The wallet connection widget opens.
{% endstep %}
{% step %}
**Network selection**
The customer selects the desired network (e.g., Celo, Base) and the asset they wish to pay with.
 
{% endstep %}
{% step %}
**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
{% endstep %}
{% step %}
**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
{% endstep %}
{% step %}
**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.
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{% endstepper %}
