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

# Payment Flow

> How Zeno Bank processes crypto payments using intermediary wallets, sweeps, and webhook notifications.

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## Overview

At checkout, users can pay using multiple tokens and networks. We use an **intermediary wallet model**, instead of sending funds directly to your wallet, users send payments to a temporary intermediary wallet that we control. This architecture unlocks several powerful features.

## How It Works

### 1. User Initiates Payment

When a user reaches the checkout, they are presented with a selection of supported tokens and networks. The user sends funds to the intermediary wallet address provided.

### 2. Payment Detection

We monitor the intermediary wallet and detect incoming transactions. Once the full amount is received before the expiration time, we:

* **Sweep the funds** to your Zeno balance or to your non-custodial wallet (depending on the mode you are using).
* **Mark the payment as completed.**

### 3. Expiration Handling

* **Partial payment:** If the user has sent some funds but not the full amount by the expiration time, we mark the payment as **partially paid** and sweep whatever was received to your Zeno balance or your non-custodial wallet (depending on the mode you are using).
* **No payment:** If no funds were received, we mark the payment as **expired**.

## Benefits of the Intermediary Wallet Model

### Wrong Token Detection

If a user chooses to pay with USDC on Ethereum but accidentally sends USDT on Arbitrum, we detect the payment anyway. This happens more often than you think, and it dramatically reduces support tickets.

### Multi-Token Payments

Users can split a payment across multiple tokens and networks. For example, on a 2,000 USD checkout, a user could send 1,000 USDC on Solana, 700 USDT on Ethereum, and \$300 worth of Bitcoin.

This makes bigger purchases easier for your customers, since they don't need all the funds in a single token to complete the payment. Less friction = fewer abandoned checkouts = more sales.

### Less Customer Support

Because we automatically detect mismatched tokens and support multi-token payments, most payment issues are resolved before they even reach us. And if something does go wrong, our support team handles it. You just focus on selling, we handle the rest

## Binance Pay

If you integrate **Binance Pay**, the intermediary wallet model does **not** apply. With Binance Pay:

* The user must send the **exact amount** in a **single transaction**.
* Funds go directly to your Binance account.

## Token & Network Availability

The tokens and networks displayed at checkout are fully **customizable**.

You can enable or disable specific tokens from the [dashboard](https://dashboard.zenobank.io/).

However, we recommend **leaving all tokens and networks enabled**.

Different regions and users have different preferences, for example, Tron is popular across Asia, while other users may hold all their funds on Solana.

**Keeping all options enabled ensures no customer is left without a way to pay.**

## Disabled Tokens on Low Amounts

When the **checkout amount is very small, certain tokens and networks are automatically disabled** if the network fee would exceed the payment amount.

For example, Tron network fees can be relatively high, under the intermediary wallet model, sweeping the funds would cost more than the payment itself. The same logic applies to other high-fee networks.

## Webhooks

You can subscribe to payment events (e.g., `checkout.completed`). For more info, see [webhooks](/api-reference/webhooks).

If you are using a plugin (e.g., the WooCommerce plugin), webhook handling is built in and configured automatically.