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

# How Meum payments work

> End-to-end flow from invoice creation to merchant settlement.

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

## 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

```mermaid theme={null}
sequenceDiagram
    participant Merchant
    participant Meum API
    participant Checkout as pay.meum.io
    participant Customer
    participant Webhook

    Merchant->>Meum API: POST /v1/invoices
    Meum API-->>Merchant: checkout_url
    Customer->>Checkout: Open checkout page
    Checkout->>Meum API: Request quote
    Meum API-->>Checkout: deposit_address
    Customer->>Checkout: Send crypto payment
    Meum API->>Meum API: Detect and validate payment
    Meum API->>Webhook: POST invoice.paid
    Webhook-->>Meum API: HTTP 200
```

## Expected result

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

## Related pages

* [Payment lifecycle](/payments/payment-lifecycle)
* [Invoice lifecycle](/payments/invoice-lifecycle)
* [Webhooks overview](/webhooks/overview)