Late Payments
Receiving payments after they have expired
Late payments occur when cryptocurrency arrives after a payment has already expired or been marked as COMPLETE
or UNDERPAID
. This situation can arise if:
- The blockchain confirmation is delayed.
- The user sends funds late.
- They attempt to top up an already finalised payment.
Why and when do payments expire?
We don’t want to leave payments in the PENDING
state indefinitely if a user never sends any funds. Therefore, each payment has an expiry window:
- If you specify
expiryMinutes
and the payment is still in aPENDING
orPROCESSING
state after that time, it will expire once that many minutes elapse without reaching aCOMPLETE
orUNDERPAID
status. - If you don’t specify
expiryMinutes
in the payment request, your default expiration period, as configured in your merchant settings, will be used. - The default expiry time of 180 minutes will be used for payments:
- That require an FX conversion between the currency that is being paid and the currency of your MID wallet, and
- With no
expiryMinutes
specified, and - No default expiration setting configured.
For greater flexibility of when end users send their funds and how much, use cryptocurrency top-ups.
How do I know the payment has expired?
Once a payment expires, you receive a statusChanged webhook with the status field showing EXPIRED
.
How do I know a payment is a late payment?
You will receive a transactionLate webhook, meaning funds have been received for a payment with the status of expired
, complete
, or underpaid
. The walletCurrency.actual
value is the credited amount in your wallet currency.
Payment statesIn most cases, the payment's status remains
EXPIRED
status after funds have been received. If an additional payment is received for aCOMPLETE
orUNDERPAID
payment this is still categorised as 'late' and the payments will remain in those states.
Late payments exception flows
The summary of the flow for three different outcomes is given below:
Configuration | Balance impact | Status |
---|---|---|
Settle Merchant Wallet | Received amount is credited to your MID wallet in your wallet currency. No further action required. For more information on a MID wallet, refer to the Create Your First Merchant guide. |
|
Handle Manually | Received amount received is deposited into the merchant cryptocurrency wallet. This allows you to refund these funds to users if you choose to do so. |
|
Auto Refund | Late payment amount is attributed to a new refund payout that will be auto-created for your MID wallet. |
|

Late payments process flow
To change your configuration or learn more, contact your Account or Integration Manager.
Updated 9 days ago