Payment Scenarios

Payment Scenarios

Purpose

Payment Scenarios explains how to handle non-happy-path outcomes after a payment has been created.

Use this section when a payment does not follow the standard completed flow, or when your business team needs guidance on what to do next after a real-world exception such as an underpayment, overpayment, reclaimable balance, or return request.

This section is not the primary home for creating payments, checking basic payment status, or configuring payment webhooks.

• Go to Payments for payment creation, payment statuses, wallet flows, payment webhooks, receipts, and test transactions.

• Go to Operational Guides for supplemental production guidance such as webhook hardening and wallet compatibility.

• Go to Reporting and Settlement when you need historical or financial records across many payments.

What you’ll find here

Page	When to read it
Under- and Over-Payment Handling	The customer sends less or more crypto than requested and the payment ends as underpaid or overpaid.
Reclaiming Unconverted Crypto	A payment ends as underpaid, overpaid, expired, invalid, or cancelled, and unconverted funds must be reclaimed by the customer.
Refunds for Crypto and Wallet Payments	You need return-policy guidance for completed crypto or wallet payments and need to understand how refunds differ from reclaim.

How to use this section

1. Start with the payment outcome reported by your webhook or payment status response.

2. If the payment is underpaid or overpaid, open Under- and Over-Payment Handling.

3. If unconverted funds remain, open Reclaiming Unconverted Crypto.

4. If the payment completed and the business wants to return funds afterward, open Refunds for Crypto and Wallet Payments.

5. Apply the business handling in your UI, support workflow, and internal reconciliation process.

Scenario routing guide

Payment outcome	What it means for the business
completed	Payment succeeded. Follow your normal completed-payment workflow.
underpaid	Do not fulfill. The customer must reclaim the funds and start a new payment if they still want to pay.
overpaid	Treat the requested amount as paid. Any excess is handled through reclaim.
expired	Do not fulfill. If funds later arrive and remain unconverted, they are handled through reclaim.
invalid	Do not fulfill. Any eligible unconverted funds are handled through reclaim.
cancelled	Do not fulfill. Any remaining unconverted funds may be reclaimed.
Customer wants money back after a completed crypto or wallet payment	Follow the refund or return guidance for completed payments, which is separate from reclaim.

Related sections

Section	Use it for
Payments	Core payment API flows, hosted checkout, payment statuses, receipts, and payment webhooks
Operational Guides	Supplemental production guidance such as webhook consumer design and wallet QA
Reporting	Search and review payment history across terminals, merchants, or partners
Settlement	Understand what settled for the merchant and what did not