Skip to main content
A payment has two parts: the payment link you create once, and an order for each attempt to pay it. The link holds the price; an order locks that price into a coin amount and gets its own deposit address.

​
Step by step

  1. You create a link for an amount in USD, the coins you accept and the URL that receives webhooks. A link can be paid more than once: each visit can start its own order.
  2. The payer picks a coin. Paywire fetches a live price, locks it into an order with the exact amount in the coin’s smallest unit, and issues a deposit address that belongs to that order alone. The quote holds for the link’s payment window (30 minutes by default).
  3. The payer sends the amount. Paywire sees the transfer within seconds and the order moves to Confirming.
  4. The chain confirms it. Once the transfer has enough confirmations (see Networks and assets) the order resolves: usually Settled. Your callback URL receives a signed webhook.
  5. Paywire sweeps the funds from the deposit address into your wallet. For tokens it first sends the address a little gas. You don’t need to do anything.

​
When the payer gets it wrong

Payers send too little, too much, too late, or the wrong coin. Paywire applies a payment policy with three numbers: What happens then:
  • Underpaid: the order keeps waiting until the quote expires; it then ends ExpiredUnderpaid and the partial amount is refunded (or kept if it’s dust).
  • Overpaid: the order is paid; the excess is refunded if it’s above the dust threshold, or the order goes to ManualReview if it’s above the review threshold.
  • Late: money arriving after the order resolved is refunded or reviewed the same way.
  • Wrong coin: a token the order didn’t quote is never credited or moved; it waits for review.
Refunds go to the payer’s refund address if they gave one when the order was created. The company-wide policy is set in the dashboard, and a single link can override it with policyOverride.

​
Where the money goes

Each Paywire account has one or more MPC wallets. Every deposit address is derived from one of them, so swept funds land in a wallet you own. Which wallet receives which coin is set per gateway in the dashboard (wallet routing); by default everything goes to your default wallet.