Payments

This page covers both directions of moving money: sending to a Contact and receiving into one of your accounts.

---

Send money

Overview

Pay a Contact from one of your accounts. Sends use a live exchange-rate quote, and you confirm the final amounts on a review screen before any money moves. Reach the flow from Sidebar → Send, or Send Money on the Home page.

Available actions

• Pick a Contact and the destination payment method on that Contact
• Pick a source account from your workspace
• Choose the send currency (the recipient's currency or yours)
• Review a live quote with the exchange rate, fee breakdown, and recipient amount
• Review and confirm before any money moves
• Track the live status of the payment after confirming

Prerequisites

• A Verified Contact with at least one payment method (see Contacts)
• A funded account in your workspace, or the option to convert beforehand — see Accounts and Conversions
• For some corridors, a Purpose of Transaction (for example, Salary Payment, Family Support, Bill Payment), required by the destination network

Form fields

• From Account — your source account
• Send as — the currency you want to send in
• Amount — the amount to send
• Payment Rail — for bank-account methods, the network used to deliver (one or more available depending on currency)
• Purpose of Transaction — when required by the corridor

The screen also shows live calculations for Recipient Will Get, Transfer Fee, Exchange Rate, Total Charged, and a Rate refreshes in X s countdown.

Status flow after confirming

You can copy the Transaction ID from the status screen — useful if you need support to investigate a specific payment.

Notes

• Payments cannot be undone after Confirm. The Review screen is the last chance to catch a mistake.
• Quotes expire. If the "Rate refreshes in X s" countdown hits zero before you confirm, the app generates a fresh quote — you'll see "The payout plan has expired. A new plan will be created." The new fees and totals may differ slightly.
• Sends don't appear in Transactions instantly. Wait a moment, then refresh — Transactions doesn't auto-update.
• Insufficient balance shows as "The amount value is invalid or exceeds your available balance." Lower the amount, top up, or convert.
• No payment rails available means the currency you picked can't be delivered to that bank account. Pick a different currency or a different payment method on the Contact. See Payout Corridors.
• Missing recipient information shows as "This recipient is missing required information. Please add a new contact and re-enter their details before sending again." Most common in corridors that need extra fields like email or ID — see Payout Corridors.

---

Receive money

Overview

Share the deposit details for one of your accounts so someone can pay you. The app stores both bank-deposit instructions (for fiat currency) and stablecoin wallet addresses, and provides a way to copy and share them. Reach the page from Sidebar → Receive, or Request Payment / Add Funds on the Home page.

Available actions

• View bank deposit instructions for receiving fiat currency (Bank Accounts tab)
• View wallet addresses for receiving stablecoins (Wallets tab)
• Copy any individual field, or Copy All to copy the whole set at once
• Reveal masked sensitive fields (typically the account number)

Prerequisites

• An account in your workspace for the currency or asset you want to receive (Cash for fiat currency, Wallet for stablecoins). Accounts are configured by your administrator.

Bank Account fields

• Bank Name
• Account Number (masked by default; reveal with the unmask control)
• Routing Number or local equivalent (CLABE, IBAN, etc., depending on country) — not masked
• Reference # — a unique number that must appear in the payment memo
• Contact Name and Contact Address — the name and address registered on the account
• Wire Transfer Details for international wires

Wallet fields

• Asset — the stablecoin (USDC, USDT, etc.)
• Network / Format — the blockchain network the address is on
• Wallet Address — the blockchain address itself (not masked)
• Tag / Memo — present only on networks that use tags

Notes

• The Reference # is required for bank deposits. Without it, deposits may not be routed to your account. The app shows a warning banner (highlighted in yellow): "When funding your account by bank transfer, you must include your Reference # in the payment memo to ensure your deposit is correctly routed."
• Asset and network must match. Sending USDC on the wrong network, for example, can lose the funds permanently.
• Receiving is not instant. Bank transfers take minutes to a few business days depending on the rail; stablecoin transfers take minutes depending on confirmations.
• Account numbers are masked for security. Routing numbers and wallet addresses are not masked.
• The list does not auto-update. If you're expecting an inbound payment, refresh the Transactions page to see it appear.
• No accounts to choose from? Tabs that say "No bank accounts available" or "No wallets available" mean your administrator hasn't set up an account for that currency yet.

---

Related resources

• Contacts — Contacts you can send to
• Accounts and Conversions — your source accounts and how to convert
• Payout Corridors — currencies, countries, and rails
• Transactions — where Sends and Receives show up after they're confirmed