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Introduction

This guide explains the different payment flows available in Finternet and when to use each one.

Payment Types Overview​

Finternet supports programmable payments with conditional payment logic:

  1. DELIVERY_VS_PAYMENT - Conditional payment with delivery verification

DELIVERY_VS_PAYMENT Flow​

Conditional payment with delivery verification.

When to Use​

  • Physical goods
  • High-value transactions
  • New merchant relationships
  • Custom delivery requirements
  • Milestone-based projects

Flow Diagram​

1. Create Payment Intent (DvP)
   ↓
2. Conditional Payment Created
   ↓
3. Buyer Pays (Funds Locked)
   ↓
4. Merchant Ships Item
   ↓
5. Delivery Proof Submitted
   ↓
6. Funds Released (Auto or Manual)
   ↓
7. Settlement Executed

Release Types​

Delivery Proof Release​

{
  releaseType: 'DELIVERY_PROOF',
  autoReleaseOnProof: true,
}

Funds released when delivery proof is submitted.

Time-Locked Release​

{
  releaseType: 'TIME_LOCKED',
  timeLockUntil: '1735689600',
}

Funds released after specified time period.

Milestone-Based Release​

{
  releaseType: 'MILESTONE_LOCKED',
}

Funds released incrementally as milestones are completed.

Complete Flow Comparison​

Benefits of DELIVERY_VS_PAYMENT​

  • ✅ Enhanced security with escrow protection
  • ✅ Buyer protection through fund locking
  • ✅ Flexible release mechanisms
  • ✅ Dispute resolution support
  • ✅ Suitable for all transaction types