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Accepting Payments

Learn how to accept cryptocurrency payments from customers using SafeBank's merchant tools.

Payment Methods​

SafeBank offers multiple ways for customers to pay you:

  1. Tap-to-Pay (NFC) - In-person contactless payments
  2. QR Code - Scan to pay, works everywhere
  3. Payment Links - Share via any channel
  4. Online Checkout - Embed on your website
  5. API Integration - Custom implementation

Method 1: Tap-to-Pay (In-Person)​

Perfect for retail stores, restaurants, and service businesses.

Setup​

  1. Open SafeBank app
  2. Tap "Merchant Mode" or "Accept Payment"
  3. Enter transaction amount
  4. Select "Tap-to-Pay"

Processing a Payment​

Steps:

  1. Enter Amount

    • Type in sale amount
    • Or select from quick amounts
    • Tax calculated automatically (if configured)

  2. Show Ready Screen

    • Display "Ready to Accept Payment"
    • Customer sees amount on your screen

  3. Customer Taps Phone

    • They hold phone near yours
    • Both phones vibrate on connection
    • Payment processes automatically

  4. Confirmation

    • ✅ Success screen shows
    • Receipt generated
    • Funds in your account

Total time: 5-10 seconds

Tips for Tap-to-Pay​

✅ Keep amount visible to customer ✅ Hold device steady ✅ Wait for vibration confirmation ✅ Offer receipt (digital or printed)

Learn more about NFC setup →

Method 2: QR Code Payments​

Universal payment method that works on any device.

Generate QR Code​

  1. Open Merchant Dashboard
  2. Tap "Accept Payment"
  3. Enter amount
  4. Tap "Generate QR Code"

Display Options​

On Screen:

  • Show QR code on your device
  • Customer scans with their phone
  • Payment completes automatically

Printed:

  • Print QR code on receipts
  • Display at checkout
  • Post on storefront

Static QR Code:

  • One QR code for all payments
  • Customer enters amount
  • Perfect for tips, donations

Processing​

  1. Customer scans QR code
  2. Confirm amount on their device
  3. They pay - You receive notification
  4. Receipt sent automatically

Send payment requests via text, email, or social media.

  1. Go to Dashboard

  2. Tap "Create Payment Link"

  3. Configure Link

    • Amount (fixed or variable)
    • Description/invoice number
    • Expiration date (optional)
    • Single use or reusable

  4. Generate Link

    • Copy link
    • Share via any channel

Sharing Options​

  • 📧 Email to customer
  • 💬 SMS/text message
  • 📱 Social media (DM)
  • 🔗 Website or app
  • 📄 Include in invoice

Customer Experience​

  1. Customer clicks link
  2. Opens SafeBank payment page
  3. Reviews payment details
  4. Pays with SafeBank or compatible wallet
  5. Both parties receive confirmation

Use Cases​

  • Remote payments
  • Invoice payments
  • Online orders
  • Delivery payments
  • Subscription renewals

Method 4: Online Checkout​

Embed payments on your website or app.

Integration Options​

A. Hosted Checkout Page

Easiest option - customer redirected to SafeBank:

<a href="https://pay.safebank.io/checkout/YOUR_ID">
  Pay with SafeBank
</a>

B. Embedded Widget

Payment form on your site:

<script src="https://cdn.safebank.io/widget.js"></script>
<div id="safebank-checkout"></div>

C. API Integration

Full control with API:

SafeBank.createPayment({
  amount: 50.00,
  currency: 'USD',
  description: 'Order #12345'
})

View complete API docs →

E-Commerce Plugins​

Pre-built plugins available for:

  • WooCommerce (WordPress)
  • Shopify
  • Magento
  • PrestaShop
  • BigCommerce
  • Custom platforms (via API)

Download plugins →

Method 5: Invoicing​

Send professional invoices with crypto payment options.

Create Invoice​

  1. Dashboard → Invoices

  2. Tap "New Invoice"

  3. Fill Details

    • Customer information
    • Line items
    • Amounts
    • Due date
    • Terms & conditions

  4. Payment Options

    • Cryptocurrencies accepted
    • Auto-convert setting
    • Late payment terms

  5. Send Invoice

    • Email automatically
    • Download PDF
    • Get payment link

Invoice Features​

  • Automatic reminders - Send before due date
  • Partial payments - Accept installments
  • Multi-currency - Customer chooses crypto
  • Recurring invoices - For subscriptions
  • Status tracking - Paid/Pending/Overdue

Transaction Management​

Viewing Transactions​

Real-Time Dashboard:

  1. Open Merchant Dashboard
  2. See transactions as they happen
  3. Filter by:
    • Date range
    • Amount
    • Currency
    • Status
    • Customer

Transaction Details​

Tap any transaction to view:

  • Date and time
  • Customer information (if shared)
  • Amount in crypto and fiat
  • Network fees
  • Status and confirmations
  • Receipt and invoice
  • Blockchain transaction ID

Exporting Data​

Export for accounting:

  1. Dashboard → Reports → Export
  2. Select date range
  3. Choose format:
    • CSV (Excel)
    • PDF
    • JSON (for developers)
  4. Download or email

Issuing Refunds​

Process refunds easily:

Full Refund​

  1. Find transaction in dashboard
  2. Tap transaction
  3. Tap "Issue Refund"
  4. Select "Full Refund"
  5. Enter reason (optional)
  6. Confirm

Refund processes immediately to customer's wallet.

Partial Refund​

  1. Find transaction
  2. Tap "Issue Refund"
  3. Select "Partial Refund"
  4. Enter amount to refund
  5. Enter reason
  6. Confirm

Refund Policies​

Important:

  • Refunds use current exchange rates
  • Network fees may apply
  • Refunds are immediate (not reversible)
  • Keep documentation for records

Best practices:

  • Clearly state refund policy
  • Process refunds promptly
  • Keep communication with customer
  • Document all refunds

Payment Confirmation​

How Confirmations Work​

Instant Confirmations:

  • SafeBank-to-SafeBank: Instant
  • Small amounts: Appear immediately
  • Settled off-chain initially

Blockchain Confirmations:

  • Large amounts: Wait for blockchain
  • Bitcoin: 10-60 minutes
  • Ethereum: 1-5 minutes
  • Full settlement on-chain

Managing Pending Payments​

While waiting for confirmations:

✅ You can:

  • See pending payment in dashboard
  • Track confirmation progress
  • Know customer has paid

⚠️ Don't:

  • Release goods for very large amounts
  • Consider fully confirmed until settled
  • Spend funds (they're reserved)

Configure confirmation requirements:

Dashboard → Settings → Confirmations

  • Set minimum confirmations per currency
  • Choose risk tolerance
  • Balance speed vs security

Multi-Location Support​

Manage multiple store locations or staff:

Setup Locations​

  1. Dashboard → Locations
  2. Tap "Add Location"
  3. Enter:
    • Location name
    • Address
    • Staff/devices
    • Operating hours

Assign Staff​

  1. Go to Team Management
  2. Add team members
  3. Assign to locations
  4. Set permissions:
    • Process payments only
    • Issue refunds
    • View reports
    • Full admin

Location Reports​

View performance by location:

  • Sales per location
  • Top performing stores
  • Staff performance
  • Peak hours analysis

Security Settings​

Transaction Limits​

Set limits for added security:

Maximum Transaction:

  • Require additional approval over amount
  • Flag large transactions for review
  • Set different limits per staff member

Daily Limits:

  • Maximum daily volume per terminal
  • Reset at midnight
  • Prevent unauthorized large transactions

Fraud Prevention​

SafeBank includes automatic fraud detection:

  • Unusual transaction patterns
  • Rapid consecutive payments
  • Amounts outside normal range
  • Geographic anomalies

Alerts sent immediately for:

  • Suspected fraud
  • Chargebacks (rare with crypto)
  • Account issues
  • Security concerns

Two-Factor Authentication​

Require 2FA for sensitive actions:

  • Issuing refunds
  • Changing settings
  • Exporting data
  • Adding team members

Enable: Dashboard → Security → 2FA

Customer Experience​

Payment Flow (Customer View)​

  1. Merchant shows amount
  2. Customer chooses payment method:
    • Tap phone (NFC)
    • Scan QR code
    • Click payment link
  3. Confirm amount and merchant
  4. Authenticate payment
  5. Receive confirmation

Total time: 5-30 seconds

Receipts​

Customers automatically receive:

  • Digital receipt via email
  • In-app receipt in SafeBank
  • Optional SMS confirmation
  • Blockchain transaction ID

Custom receipts:

  • Add your logo
  • Include return policy
  • Add customer support info
  • Promotional messages

Accepting Tips​

Enable tipping to increase revenue:

Setup​

  1. Dashboard → Settings → Tipping
  2. Toggle "Enable Tipping" ON
  3. Configure:
    • Suggested percentages (10%, 15%, 20%)
    • Custom amount option
    • No tip option
    • Tip distribution (if multiple staff)

How It Works​

After entering sale amount:

  1. Customer shown tip options
  2. They select tip amount
  3. Total updated automatically
  4. Payment includes base + tip

Tip Reporting​

  • View total tips received
  • Tips per staff member
  • Average tip percentage
  • Export for tax purposes

Best Practices​

For Smooth Operations​

✅ DO:

  • Keep app updated
  • Test before opening
  • Train all staff
  • Display accepted payment methods
  • Offer digital receipts
  • Keep devices charged

❌ DON'T:

  • Process personal transactions
  • Share merchant credentials
  • Accept extremely large amounts without confirmation
  • Ignore security alerts

Customer Service​

For the best customer experience:

  1. Be patient with first-time crypto users
  2. Offer assistance with scanning/tapping
  3. Show amount clearly before payment
  4. Provide receipts always
  5. Handle issues promptly
  6. Stay friendly and professional

Troubleshooting​

Payment Not Going Through​

Check:

  • Internet connection
  • NFC enabled (for tap-to-pay)
  • Amount within customer's limits
  • Customer has sufficient funds
  • App is up to date

Solutions:

  • Try different payment method
  • Retry after a moment
  • Use QR code as backup
  • Manual address entry (last resort)

Funds Not Appearing​

For instant payments:

  • Should appear within seconds
  • Check dashboard sync
  • Refresh the app

For blockchain payments:

  • Check confirmation status
  • Wait for required confirmations
  • View on blockchain explorer

More troubleshooting →

Next Steps​

Need help? Contact merchant support at merchants@safebank.io or call 1-800-SAFEBANK.