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Receiving Payments

Learn how to receive cryptocurrency payments using SafeBank's Tap-to-Pay feature.

Quick Start​

Receiving a payment is simple:

  1. Open SafeBank app to "Receive" screen
  2. Show your phone or QR code to the payer
  3. Wait for tap or scan
  4. Payment received - Instant notification!

Step-by-Step Guide​

Method 1: NFC Tap-to-Receive​

The fastest way to receive payments in person.

Steps:

  1. Open SafeBank App

    • Launch the app
    • Navigate to home screen

  2. Tap "Receive"

    • Large button on the home screen
    • Or swipe right

  3. Select Amount (Optional)

    • Enter specific amount if you know it
    • Or leave blank for payer to enter
    • Choose cryptocurrency if preferred

  4. Hold Phone Ready

    • Keep app on "Receive" screen
    • Phone should be unlocked
    • Hold steady

  5. Wait for Tap

    • Payer taps their phone to yours
    • You'll feel a vibration
    • Screen shows "Payment Received!"

  6. View Confirmation

    • Amount received
    • Sender information (if shared)
    • Transaction ID
    • Digital receipt

Tips:

  • Keep phones close (within 4cm)
  • Hold steady for 2-3 seconds
  • If it doesn't work, try adjusting position
  • Both phones should have NFC enabled

Method 2: QR Code​

Perfect for remote payments or when NFC isn't available.

Steps:

  1. Open SafeBank and tap "Receive"

  2. Switch to QR Code Mode

    • Tap "Show QR Code" button
    • Or it displays automatically

  3. Configure Payment

    • Enter amount (optional)
    • Select cryptocurrency
    • Add note or invoice number (optional)

  4. Display QR Code

    • Show on your screen for in-person scan
    • Or share image for remote payment
    • Or print for recurring payments

  5. Payer Scans

    • They scan with SafeBank app
    • Or any compatible wallet app
    • Confirm and send payment

  6. Receive Notification

    • Instant push notification
    • Transaction appears in history
    • View receipt details

Advantages:

  • Works remotely
  • Can be shared digitally
  • Works with external wallets
  • Can be printed

Method 3: Share Your Address​

For receiving from external wallets or advanced users.

Steps:

  1. Go to Receive Screen

  2. Tap "Show Address"

    • Displays your wallet address
    • Different address for each cryptocurrency

  3. Share Your Address

    • Tap to copy to clipboard
    • Share via message/email
    • Or show as QR code

  4. Wait for Transaction

    • Sender sends to your address
    • Transaction appears as "Pending"
    • Confirms on blockchain

  5. Confirmation

    • Receive notification when confirmed
    • View on blockchain explorer
    • Funds available in wallet

Important: Always verify you're sharing the correct currency address (BTC address for Bitcoin, ETH address for Ethereum, etc.)

Method 4: Request Payment​

Send a payment request to someone specific.

Steps:

  1. Tap "Request Payment"

  2. Enter Details

    • Select contact or enter information
    • Amount to request
    • Cryptocurrency preference
    • Note or invoice reference

  3. Send Request

    • Via SafeBank (if they're a user)
    • Via email
    • Via SMS
    • Share link

  4. They Receive

    • Notification with payment details
    • One-tap to pay button
    • Pre-filled payment information

  5. Automatic Notification

    • When they pay, you're notified instantly
    • Payment appears in your wallet
    • Receipt generated automatically

Use cases:

  • Billing customers
  • Requesting payment from friends
  • Invoice payments
  • Splitting bills

Create shareable payment links:

How to create:

  1. Go to "Receive"
  2. Tap "Create Payment Link"
  3. Enter:
    • Amount
    • Cryptocurrency
    • Description
    • Expiration (optional)
  4. Tap "Generate Link"

Share your link via:

  • Social media
  • Email
  • Messaging apps
  • Website
  • QR code

Features:

  • Single-use or reusable
  • Set expiration dates
  • Track who paid
  • Perfect for selling online

Requesting Specific Amount​

Pre-fill the amount to avoid confusion:

Steps:

  1. On "Receive" screen
  2. Enter amount in:
    • Local currency (USD, EUR, etc.)
    • Or cryptocurrency amount
  3. Select currency
  4. Display QR code or wait for tap
  5. Amount is pre-filled for payer
  6. They confirm and pay

Benefits:

  • No manual entry errors
  • Faster checkout
  • Professional appearance
  • Clear transaction records

Multi-Currency Receiving​

Accept multiple cryptocurrencies for one payment:

Setup:

  1. Tap "Receive"
  2. Select "Accept Multiple Currencies"
  3. Choose which currencies to accept:
    • ✅ Bitcoin
    • ✅ Ethereum
    • ✅ USDC
    • ✅ USDT
  4. Payer chooses their preferred currency
  5. You receive equivalent value

Automatic conversion displayed to both parties.

Business Mode​

For merchants and businesses accepting payments:

Quick Checkout Mode​

Enable:

  1. Settings → Business Mode
  2. Toggle "Quick Checkout" on
  3. Set default currency
  4. Configure receipt options

Features:

  • Faster payment flow
  • Automatic receipt generation
  • Sales tracking
  • End-of-day reports
  • Tax documentation

Learn more about Merchant features →

POS Integration​

Integrate SafeBank with your Point of Sale system:

  • Connect via API
  • Automatic amount synchronization
  • Inventory management
  • Customer database
  • Accounting integration

View API documentation →

Payment Confirmations​

Instant Confirmations​

For SafeBank-to-SafeBank payments:

  • Payment received instantly
  • Appears immediately in balance
  • No waiting for blockchain confirmation
  • Settled off-chain initially
  • Later batched to blockchain

Blockchain Confirmations​

For external wallet payments:

Required confirmations:

  • Bitcoin: 3 confirmations (~30 min)
  • Ethereum: 12 confirmations (~3 min)
  • USDC/USDT: 12 confirmations (~3 min)

Status indicators:

  • ⏳ Pending: Transaction submitted
  • ⚡ Confirming: Receiving confirmations
  • ✅ Confirmed: Fully confirmed and spendable

You can view confirmation progress:

  1. Tap the transaction in history
  2. See confirmation count
  3. View estimated time remaining

Transaction History​

Viewing Received Payments​

Access all received payments:

  1. Go to "Activity" or "History"
  2. Filter by "Received"
  3. View details:
    • Sender information
    • Amount received
    • Timestamp
    • Transaction ID
    • Fee details
    • Receipt

Organizing Transactions​

Sort by:

  • Date (newest/oldest)
  • Amount (high/low)
  • Currency type
  • Status (pending/confirmed)
  • Sender

Filter by:

  • Date range
  • Specific cryptocurrency
  • Amount range
  • Sender
  • Transaction type

Export Options​

Export transaction history:

  1. Settings → Export
  2. Select date range
  3. Choose format:
    • CSV (for spreadsheets)
    • PDF (for records)
    • Excel
  4. Email or download

Perfect for:

  • Accounting
  • Tax preparation
  • Bookkeeping
  • Financial audits

Notifications​

Configure Alerts​

Customize how you're notified:

Settings → Notifications → Received Payments

Options:

  • ✅ Push notifications
  • ✅ Email notifications
  • ✅ SMS (for large amounts)
  • ✅ In-app notifications

Customize by amount:

  • All payments
  • Payments over $X
  • Only large payments

Notification Details​

Notifications include:

  • Sender name/username
  • Amount received
  • Currency
  • Timestamp
  • Quick link to view details

Fees​

Receiving Fees​

Good news: Receiving payments is FREE!

  • ✅ No fees to receive from SafeBank users
  • ✅ No fees to receive from external wallets
  • ✅ Network fees paid by sender

The only exception:

  • If you immediately forward/send the payment, standard sending fees apply

Withdrawal Fees​

If you transfer received funds to external wallet:

  • Network fees apply (paid to blockchain)
  • SafeBank doesn't charge extra fees
  • Bitcoin: ~$1-5
  • Ethereum: ~$2-50 (varies)
  • Stablecoins: Similar to Ethereum

Security​

Verify Sender​

Before accepting large payments:

  1. Verify sender identity
  2. Check transaction details
  3. Confirm expected amount
  4. Ensure legitimate source

Suspicious Payments​

If you receive unexpected payment:

⚠️ Warning signs:

  • Unknown sender
  • Unexpected amount
  • Unusual message
  • Request to return funds
  • Too-good-to-be-true offers

Action:

  1. Don't spend the funds immediately
  2. Contact sender to verify (outside SafeBank)
  3. Report to SafeBank support if suspicious
  4. Don't fulfill any requests until verified

Privacy Settings​

Control what information senders see:

Settings → Privacy → Receive Settings

Options:

  • Share username (Public)
  • Share encrypted ID only (Semi-private)
  • Minimal sharing (Private)

Consider:

  • Business users: Keep public for customer convenience
  • Personal users: Balance privacy with usability

Disputes and Refunds​

If Payment is Wrong​

Received wrong amount:

  1. Contact sender immediately
  2. Verify the correct amount
  3. Options:
    • Return the excess
    • Request additional payment
    • Issue partial refund

Received from wrong person:

  1. Do NOT spend the funds
  2. Contact SafeBank support
  3. Work with support to return funds
  4. Keep all communication records

Issuing Refunds​

As a merchant or business:

  1. Find transaction in history
  2. Tap "Issue Refund"
  3. Choose:
    • Full refund
    • Partial refund
  4. Enter refund reason
  5. Confirm

Refund processes immediately to customer's wallet.

Troubleshooting​

Not Receiving Payments​

Check the following:

  1. App is open on "Receive" screen
  2. NFC is enabled in device settings
  3. Internet connection is active
  4. Sufficient confirmations (for blockchain transactions)
  5. Correct address shared (verify currency type)

Payment Shows as Pending​

For external wallet payments:

  • This is normal
  • Wait for blockchain confirmations
  • Check status in transaction details
  • Contact sender to verify they sent
  • View on blockchain explorer

If stuck for too long:

  • Bitcoin: Over 1 hour
  • Ethereum: Over 30 minutes

Contact support with transaction ID.

Didn't Receive Notification​

Troubleshooting:

  1. Check notification settings in app
  2. Verify device notification permissions
  3. Check "Activity" - payment may still have arrived
  4. Ensure app has background refresh enabled
  5. Re-enable notifications in settings

Best Practices​

For Personal Use​

✅ DO:

  • Keep app updated
  • Enable notifications
  • Verify amounts
  • Save important receipts
  • Check transactions regularly

❌ DON'T:

  • Share your wallet addresses publicly
  • Accept payments from unknown sources
  • Leave large balances in hot wallet
  • Ignore security alerts

For Business Use​

✅ DO:

  • Use Business Mode
  • Generate receipts
  • Track all transactions
  • Export records regularly
  • Verify large payments
  • Train staff on procedures

❌ DON'T:

  • Share the same QR code for all customers
  • Accept payments without verification
  • Ignore reconciliation
  • Mix business and personal wallets

Next Steps​

Questions about receiving payments? Contact support@safebank.io