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When an invoice currency is not USD, Meum converts the amount to USD for platform validation and checkout quoting.

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Quote locking

After a customer selects a payment token at checkout:
  1. A checkout quote is generated with a deposit address and expected crypto amount
  2. The quote has a rate lock period configured by platform settings
  3. If the customer pays within the lock window, the quoted rate applies
Exact rate lock duration is controlled by platform configuration (checkoutQuoteGraceMs, paymentRateLockedMs). Requires verification in your environment if you need precise timing for support SLAs.

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Expected vs received amount

After payment detection:
  • expected_amount — amount required at quote time
  • received_amount / paid_amount — actual on-chain amount received
  • difference_amount — delta; used to determine paid vs underpaid