Card payments

What the payer sees#

1. On the checkout the payer chooses Card, Apple Pay, Google Pay.
2. Before going further they read this disclosure: "You'll buy USDC (a US-dollar stablecoin) from an independent third-party provider, which delivers it to you through VelPay. Your card statement shows the provider. The provider may charge its own fee and ask you to verify your identity."
3. They enter their email (the provider sends the receipt there) and continue to the provider's page.
4. They pay at the provider. The checkout updates by itself once the provider confirms, usually within a few minutes.

Pass payer.email when you create the order and the email step is filled in for them.

What to tell your customers#

Because the payer is buying from a third party, a few things differ from a normal card payment. Say so in your checkout copy, terms or FAQ:

• The card statement shows the provider's name, not your shop and not VelPay.
• The provider may charge a fee on top of your price and may ask for identity verification, especially on first use or larger amounts.
• Refunds don't go back to the card (see below).
• Questions about the card charge itself go to the provider; questions about the order go to you.

Limits#

• Per order: from 10 USD (or the equivalent) unless your account has different limits. Smaller orders don't offer card; if card is the only method you allow, the API answers 400 amount_too_small.
• The provider has its own per-payer limits and decides which countries, cards and wallets it accepts. If it declines, the payer can pick another method on the same checkout.
• Apple Pay and Google Pay appear where the provider and the payer's device support them.

Timing and settlement#

• You receive order.paid once the provider has confirmed the purchase and the USDC has arrived and is checked against the transfer on chain.
• The provider session stays open for two hours. A payer who comes back later gets the same session as long as there is enough time left.
• Card payments settle to your available balance one day after they are paid; your dashboard shows the exact schedule for your account.

Disputes#

If a payer disputes the purchase with their bank, you receive dispute.opened and the disputed amount plus a dispute fee is taken from your balance at once. You receive dispute.closed when it is decided: if you win, the amount comes back (the fee stays). Keep proof of delivery for card orders.

Refunds#

The provider sold the payer USDC; it can't reverse a card charge on your behalf. Refunds for card payments are paid in USDT on Tron to a wallet address the payer gives you, or on another network if you pass network. See POST /orders/:id/refunds.

Testing#

In test mode no provider is involved: Simulate payment on the checkout completes the card flow and sends the same events. See testing.