Payin Lifecycle

Understanding the lifecycle of a payin is essential for managing incoming payments efficiently. This guide provides a detailed walkthrough of the payin process, highlighting each step from start to finish. The following diagram illustrates the workflow of a payin, detailing each critical phase involved.

Step-by-Step Breakdown

1. User Type Determination

• Registered User
• Non-registered User

2. Registered User Path

• Spendback Purchase: If the payin is for a spendback purchase, use the Add beneficiary spendback checkout item API endpoint.

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Spendback is Automatic

The spendback payins are automatic, with no need for any additional step.

• Non-spendback Purchase: If the payin is not for a spendback purchase, use the Add beneficiary checkout item API endpoint.

4. Non-registered User Path

• Create Non-registered Beneficiary Invoice: Use the Create non-registered beneficiary invoice API endpoint to generate an invoice for the non-registered user.

5. Pending

Once the appropriate API endpoint is called, the invoice is sent and remains in the Pending status until it is paid.

6. Invoice Handling

• Beneficiary Pays Invoice: If the beneficiary pays the invoice, the payin process moves towards completion.
• Merchant Cancels Invoice: If the merchant cancels the invoice, the payin process is halted, and no further action is taken.

Benefits of Using Payins

Using a structured payin system offers several benefits:

• Efficiency: Streamlined processes reduce the time and effort required to manage incoming payments.
• Flexibility: Supports both registered and non-registered users, providing a versatile payment system.
• Security: Secure API endpoints ensure that transactions are processed safely and accurately.
• Transparency: Clear steps and options for handling invoices increase trust and reliability in financial transactions.
• Convenience: Simplified processes for different user types enhance user experience and satisfaction.

By following this lifecycle, businesses can manage their payins effectively, ensuring timely and accurate processing of incoming payments.