A customer pressing Send is the beginning of payment verification, not the end. The transaction must be recognized on the right chain, match the invoice, succeed and satisfy the gateway’s confirmation rule before the order is treated as paid.
Understand the stages
A wallet can create and broadcast a transaction before it is included in a block. An included transaction may still be waiting for a required confirmation threshold or finalized state. These stages explain why a customer’s wallet can say sent while a merchant checkout continues to wait.
Coinvay uses network-specific verification. Its current configuration asks for six Bitcoin confirmations and twelve Ethereum confirmations, while Tron uses solidified evidence and TON checks finalized recipient-side evidence. Those are product policies, not promises that all networks provide identical finality after an identical number of seconds.
Match evidence to the particular invoice
Confirmation count alone is insufficient. A highly confirmed transfer to another address does not pay your invoice. The verifier must also check the asset, network, exact amount and payment time window. Token transfers require the appropriate contract, rather than simply a familiar ticker in a wallet display.
For example, a customer may paste an Ethereum transaction hash into an invoice that expects USDC on Base. The hash can be real and successful, but it is still evidence from the wrong network. Support should identify the mismatch instead of manually marking the order paid because the link looks convincing.
Design an honest waiting experience
Tell customers that settlement timing depends on the network and provider availability. Keep a transaction-hash fallback for manual payments. On the merchant side, use verified invoice status to release the product, and make repeated callbacks safe so one confirmed transaction cannot create duplicate fulfillment.
Practical checklist
- Show the selected network and required confirmation state.
- Distinguish pending evidence from rejected evidence.
- Do not guarantee a fixed confirmation time during congestion.
Common questions
Does direct-to-wallet mean immediate invoice confirmation?+
No. Funds can become visible in a wallet before the checkout’s confirmation policy is satisfied. Custody destination and payment finality answer different questions.
Can a transaction be verified after the quote expires?+
A verifier can distinguish a transfer made within the quote window from a later attempt. Coinvay’s sandbox explicitly permits a timely mined transfer to be checked by hash after expiry; do not assume every expired checkout is automatically payable.
Sources and further reading
Primary references and Coinvay product documentation. Check the linked pages for current details.
AI-assisted drafting, published by Coinvay. Examples are illustrative. Read our editorial approach.