> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spacepay.solutions/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Flows

> Comprehensive guide to SpacePay payment processing, and off-ramping flows

# Understanding Payment Processing

This guide covers all aspects of SpacePay's payment processing system, including payment processing, and off-ramping capabilities. Understand how money flows through the SpacePay ecosystem.

## Payment Processing

SpacePay handles the complete payment lifecycle from initiation to settlement, providing a seamless experience for both merchants and customers.

### Payment Flow Overview

<Steps>
  <Step title="Payment Initiation">
    Merchant initiates payment through their ecommerce site using SpacePay's API integration or SDK.
  </Step>

  <Step title="Payment Intent Creation">
    SpacePay creates a payment intent with the specified amount, currency, and
    customer details.
  </Step>

  <Step title="Customer Payment">
    Customer completes payment using one of the available payment methods.
  </Step>

  <Step title="Confirmation Monitoring">
    SpacePay monitors the blockchain for transaction confirmations and network
    finality.
  </Step>

  <Step title="Payment Completion">
    Once confirmed, the payment is marked as complete and funds are prepared for settlement.
  </Step>
</Steps>

### Supported Payment Methods

SpacePay offers three flexible payment options for your customers:

<AccordionGroup>
  <Accordion title="Guest One-Time Payments" icon="coins">
    Customers can pay in guest mode with any crypto wallet they can connect:

    **Supported Wallets**:

    * MetaMask
    * WalletConnect
    * Coinbase Wallet
    * Trust Wallet
    * Hardware wallets
    * Direct transfers from centralized exchanges

    **Best for**: One-time purchases, new customers, maximum flexibility
  </Accordion>

  <Accordion title="SpacePay Smart Account" icon="wallet">
    Customers can use a SpacePay Smart Account for payments:

    **Features**:

    * Top-up the account with cryptocurrency
    * Use account balance for payments
    * Convenient for frequent customers
    * Faster checkout experience

    **Best for**: Regular customers, subscription services, frequent purchases
  </Accordion>

  <Accordion title="Connected Pre-verified Wallets" icon="link">
    Customers can connect and pre-verify their wallets:

    **Benefits**:

    * Connect wallets for faster checkout
    * Pre-verified for enhanced security
    * Streamlined payment experience
    * Reduced transaction friction

    **Best for**: Returning customers, security-conscious users, frequent transactions
  </Accordion>
</AccordionGroup>

### Supported Blockchain Networks

<Card title="Multi-Chain Support" icon="network-wired">
  SpacePay accepts payments across multiple blockchain networks: - **Ethereum**

  * ETH, USDC, USDT - **Polygon**
  * POL, USDC, USDT - **Binance Smart Chain**
  * BNB, USDC, USDT - **Base**
  * ETH, USDC, USDT - **Avalanche** - AVAX, USDC, USDT
</Card>

### Payment States

Understanding payment states helps you provide better customer experience:

<AccordionGroup>
  <Accordion title="Pending">
    Payment has been initiated but not yet confirmed on the blockchain. Customer has started the transaction process.
  </Accordion>

  <Accordion title="Processing">
    Transaction is being processed on the blockchain. Waiting for network
    confirmations.
  </Accordion>

  <Accordion title="Completed">
    Payment has been confirmed on the blockchain and is considered final. Funds
    are available for settlement.
  </Accordion>

  <Accordion title="Failed">
    Payment failed due to network issues, insufficient funds, or other errors. No
    funds were transferred.
  </Accordion>

  <Accordion title="Expired">
    Payment was not completed within the allowed time window and expired
    automatically. Customer needs to initiate a new payment.
  </Accordion>

  <Accordion title="Cancelled">
    Payment was cancelled by the merchant before completion. No funds were transferred.
  </Accordion>
</AccordionGroup>

### How SpacePay Processes Payments

SpacePay handles the complete payment lifecycle with a simple, automated process:

<Card title="Payment Processing Flow" icon="cogs">
  **1. Payment Creation**: When you create a payment, it's defined in USD and we provide real-time cryptocurrency quotes.

  **2. Token Reception**: We receive the cryptocurrency tokens from your customers on the specified blockchain network.

  **3. Validation**: Our system validates that the correct amount of tokens was received and confirms the transaction on the blockchain.

  **4. Offramping**: Once validated, we handle the offramping process to convert the cryptocurrency to your preferred settlement currency.
</Card>

## Next Steps

Now that you understand how SpacePay processes payments, explore these related topics:

<CardGroup cols={2}>
  <Card title="API Reference" icon="book" href="/developer-docs/api-reference">
    Detailed API documentation for all payment operations.
  </Card>

  <Card title="SDK Integration" icon="code" href="/developer-docs/sdks-integration">
    Use our SDKs for easier integration in your preferred language.
  </Card>

  <Card title="Webhook Setup" icon="webhook" href="/developer-docs/api-reference">
    Set up real-time notifications for payment events.
  </Card>

  <Card title="Security Best Practices" icon="lock" href="/trust-operations/compliance-security">
    Learn about security measures and compliance requirements.
  </Card>
</CardGroup>