> ## 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.

1. **Merchant creates an invoice** via API, WooCommerce, or Pay Link
2. **Customer opens hosted checkout** at `pay.meum.io/inv_{publicId}`
3. **Customer selects origin token** and provides a refund address
4. **Checkout quote** shows order total, platform fee, network cost, and deposit address
5. **Customer confirms** and sends crypto to the deposit address
6. **Meum detects and validates** the payment
7. **Invoice status updates**: `paid`, `underpaid`, `failed`, or `expired`
8. **Webhook delivered** to your integration endpoint
9. **Settlement** sends USDC or USDT to your configured wallet

## Related pages

* [Checkout fees](/payments/checkout-fees)

* [Payment statuses](/payments/payment-statuses)

* [Webhooks overview](/webhooks/overview)