Introduction

How a payment works

A payment goes from a link to a confirmed transfer in a few steps. Your RIP is only shown to the sender once both descriptions of the deal match.

The steps

1. openYou

   Create the payment with your payment information and send its link.

   Event: payment.created
2. negotiatingSender

   Opens the link and describes the deal on their side, without seeing yours.

   Event: payment.claimed
3. arbitratingEl-B

   The auditor compares the two descriptions.

   Event: payment.status_changed
4. approvedEl-B

   The descriptions match. Your RIP is still hidden.

   Event: payment.approved
5. transfer_windowSender

   Sees your RIP and transfers in BaridiMob within 15 minutes.

   Event: payment.transfer_started
6. awaiting_confirmationSender

   Enters the 12-digit transaction number from BaridiMob.

   Event: payment.reference_submitted
7. finalizedYou

   Check your BaridiMob history, then confirm. The receipt is issued.

   Event: payment.finalized

Other endings

• blocked: the descriptions did not match, or the sender said you are not the person they negotiated with. Your RIP was never shown.
• expired: the transfer window ended without a transaction number. You can reopen it from the app.
• aborted: you cancelled the payment, or reported in the app that the transfer never arrived.

Every status is described in The payment object.

Through the API, or in the app

Credits

A payment's credits are set aside when it is created, charged when the sender enters the transaction number, and returned if the payment ends before that. If you do nothing once the number is in, the payment confirms itself after 72 hours; you are reminded before. The sender never pays anything to El-B.