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Payment Flow

Every Grain payment moves through a defined set of stages — from checkout to final settlement. Understanding this flow helps you build better integrations and set clear expectations for your customers.
1
Customer Initiates Payment
2
The customer interacts with your payment module and selects Pay with Crypto. Grain’s API generates a prefilled payment link containing the destination address, token, and amount. The customer is prompted to review, agree, and sign the transaction.
3
If the customer does not agree or sign, the transaction is marked as rejected and the payment is cancelled.
4
Once the customer signs the transaction, it undergoes Grain’s automated compliance screening. After screening passes, the funds are delivered to a one-time storage wallet generated by Grain. The payment enters a settlement hold period while awaiting final settlement.
5
If a refund is requested during this period, the refund process begins (see Refund Flow below). If no refund is requested and the settlement period has passed, the transaction is captured.
6
Once a transaction has been captured, your merchant account balance is credited and funds are ready to be disbursed based on your elected settlement method.

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Refund Flow

Refunds can be initiated by either the customer or the merchant, following the merchant’s refund policy. Here is how the refund process works:
1
Refund Requested
2
A refund is initiated by the user or merchant according to the merchant’s refund policy. The request appears in your Grain Dashboard for review.
3
Merchant Review
4
You review the refund request on your Dashboard. You can approve or deny the request based on your refund policy and the details of the transaction.
5
Refund Decision
6
If approved, funds are sent back to the customer’s original payment address from the generated one-time payment address.
7
If denied, the refund request is rejected and the held funds are deposited to your merchant account balance.