How to Pay

After being redirected to xMoney's payment widget, the payment process unfolds as follows:

In this first step, you’ll have to provide an email address. This will only be used to inform you about your payment details such as payment confirmations or any possible refunds that might happen. This email will serve as an identity verification and point of contact whenever needed, so please make sure it doesn’t have any spelling mistakes and that you have access to it. Once you’ve accepted xMoney’s terms of service and privacy policy you’ll be able to proceed.

Your next step is to simply select the method or currency you’d like to pay with. If you select a currency, you’ll then be asked to select a network. If you select a method such as Binance Pay you’ll skip the second step and be immediately redirected to the payment screen with all the necessary details to complete your payment.

To complete a crypto payment you’ll have to pick a network along with a currency. In the example below we’re showing the network options after picking USDT as a payment currency, but these can change depending on the currency selected. After selecting your preferred network, you’ll be redirected to the payment screen with all the necessary details to complete your payment.

Important: Respecting both the currency and network selections you make is crucial for the success of your payment. For example, if you pick to pay with USDC over the Polygon network, and then transfer over the Ethereum network your payment will fail, as the expectation was to receive that transfer over Polygon.

You’re finally on the last step, all that’s left is for you to make the transfer to complete your payment. This can be achieved in different ways depending on the previous selections you made.

With some networks, such as Ethereum or Polygon you'll see an option to connect your wallet. After clicking on that option and picking the wallet you'll be using you just have to follow the instructions displayed (we use the WalletConnect module to provide this functionality. For a full list of their supported wallets visit this page). After you've successfully connected your wallet, you can simply click the pay button and then approve the transaction that automatically shows in your wallet.

If you do not want to connect your wallet, or if for any reason that's not possible, you can still complete the payment by using the payment details displayed. Check the following section called 'Manually transferring funds' for details on how to do that.

Sometimes connecting a wallet will not be possible due to the network selected or the source of your funds. This is the case with Bitcoin payments or any payment that you make from a centralised exchange, for example. In such cases, the only way to pay will be to manually transfer your payment amount to the payment address displayed.

Important: When using this method to transfer funds from an exchange always confirm the final value sent, making sure to include any transfer fees your exchange charges to avoid an underpayment. Additionally, it's very important to always make sure you select the same currency and network on your exchange. Sending the wrong currency or using the wrong network can result in a loss of funds.

Paying with this method is only available on certain Solana wallets. You can check that list here.

After selecting to pay with Solana Pay you'll be redirected to the payment screen. If you're seeing this page on desktop, you simply need scan the QR code displayed with a supported wallet and follow the instructions on your wallet to send the transaction. If you're already on your phone you'll instead see a button to 'Pay in Solana wallet'. Once you tap this button your wallet will automatically open and show you the needed instructions on how to send the transaction.

This specific method is only possible for Bitcoin payments on the Lightning network. This network offers a distinct user experience compared to other networks. With all payment information included within the invoice code/QR code, there's no need for users to manually input the amount to pay. However, for user convenience and reference, we still display this information in the payment widget.
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When utilising a Lightning network-enabled wallet or exchange, all you need to do is paste the invoice code or scan the QR code in the designated section. Following this, you'll instantly view the amount to be transferred. Once you approve the payment, it will swiftly be on its way. It's as simple as that!

​Important note: Please ensure that you're using the Lightning network instead of the traditional Bitcoin network on your wallet or exchange. Failure to match the currency and network selection in the payment widget can result in permanent loss of your funds.

This solution is ideal for those who plan to pay with funds they have stored on Binance Exchange. It only works with this exchange and requires you to already have a verified Binance account.

After selecting this method you'll be redirected to the payment screen where you can scan the QR code with your Binance app or click to open Binance's desktop version. After doing so, you simply have to follow the instructions displayed on your Binance account. Additionally, you might notice that all calculations are made using USDC, but when following the Binance instructions you'll have the chance to pick from a list of Binance-supported-currencies (you can find more information about this here). Any conversions needed are handled automatically for your convenience.