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Meum separates invoice creation, customer checkout, blockchain payment detection, and merchant settlement into distinct stages.

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High-level flow

  1. Merchant creates an invoice via API, WooCommerce, or Pay Link
  2. Customer opens hosted checkout at pay.meum.io/{invoiceId}
  3. Customer selects origin token and provides a refund address
  4. Checkout quote generates a deposit address and expected amount
  5. Customer sends crypto to the deposit address
  6. Meum detects payment and validates amount
  7. Invoice status updates to paid, underpaid, failed, or expired
  8. Webhook dispatched to your integration endpoint
  9. Settlement converts received funds to your configured output asset (stablecoin) and sends to your settlement wallet

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Expected result

After a successful payment, the invoice status becomes paid, a webhook is delivered, and settlement proceeds to your configured wallet.