Statuses, confirmations and payment proofs

Lifecycle at a glance#

open ──(payment seen)──▶ pending ──(enough confirmations, full amount)──▶ paid / overpaid
  │                        │
  │                        └─(quote expired + 10 min grace, still short)──▶ underpaid
  ├─(nothing arrives before expiry)──▶ expired
  ├─(payment seen only after quote expiry + 10 min)──▶ late
  └─(merchant cancels, no payment yet)──▶ canceled

Status reference#

Every change of status creates one webhook event (invoice.pending, invoice.paid, …). See Webhooks.

When does an invoice count as paid?#

For the coin the buyer chose, RugWard adds up the confirmed payments that were seen before the quote expired plus 10 minutes of grace (so a transaction broadcast just before the deadline still counts). The invoice is:

• paid when that total is at least the quoted amount minus a small tolerance: the unique-amount offset plus 0.1% (covers wallets that round the last digits);
• overpaid when it is more than 1% above the quoted amount.

Amounts in different coins are never added together. On Base, where the 0.5% is split on-chain, the check is made on the 99.5% that reaches you.

Confirmations#

How RugWard detects payments#

Protections built into detection:

• One transaction pays one invoice. A transaction can be credited only once per network and recipient address.
• No front-running. A transaction hash pasted by someone else is only accepted if it matches this quote's exact unique amount or carries this quote's reference.
• No old transactions. A transaction mined before the quote was created cannot pay it.
• A pasted transaction with a different amount is refused with "Contact the merchant with the transaction id"; the merchant settles it by hand.
• The rate is computed only on the server; the buyer's browser never supplies a price.

Refunds#

RugWard Pay is non-custodial: the money is already in your wallet, so RugWard cannot refund, reverse or charge back anything. To refund a buyer, send the coins back yourself from your wallet, ideally to an address the buyer gives you (not automatically to the sending address: it can belong to an exchange). Keep the invoice id and the transaction links for your records.

Payment proofs#

Every paid or overpaid invoice has a public, shareable proof page at https://rugward.com/pay/proof/<invoice id> (also as JSON at /api/pay/proof/<invoice id>). It shows the amount in USD, the merchant, when it was confirmed, the quoted coin amount and rate with its price sources, the receiving address, and every confirmed transaction with an explorer link. Anyone can re-check those transactions on the public blockchain.

Proof pages are not indexed by search engines. For unpaid invoices there is no proof (404).

Expiry in detail#

• Invoice expiry (15 minutes to 7 days): after it, no new rate can be locked.
• Quote (rate lock) expiry: 30 minutes after the buyer picks a coin. If fewer than 5 minutes remain, picking the same coin again locks a new rate.
• Grace: payments seen up to 10 minutes after the quote expired still count normally.
• An invoice turns expired only after both the invoice and its last quote (plus grace) have ended without a payment.