Monetic Pay logo Monetic Pay

How it works at checkout

Swipe or tap to move through each step.

  • Seller presents a Monetic payment QR on their screen
    Seller presents the QR code.
  • Monetic Pay home with Scan QR
    Open Monetic Pay and tap Scan QR.
  • Allow camera access prompt
    Allow the camera if prompted.
  • Scanner framing the QR
    Scan the QR — we fetch amount & merchant automatically.
  • Send Payment sheet with merchant, amount, optional tip
    Review the request; add a note or tip if you’d like.
  • Confirm & Pay screen
    Tap Confirm & Pay.
  • Face ID / passkey approval
    Approve with Face ID / passkey.
  • Payment sent success screen
    Done — instant receipt for you, instant confirmation for the merchant.

What’s happening behind the scenes

Every Monetic Pay transaction moves through a lightning-fast digital pipeline. The entire flow happens in seconds, but here’s what’s really going on beneath the surface:

  • 1. Payment Request → Validation
    The merchant’s Monetic terminal creates a unique QR containing the amount, merchant ID, and payment checksum.
  • 2. User Scan → Secure Signing
    When you scan it, your wallet verifies the data locally, then signs the transaction using passkey or Face ID—no keys stored, no passwords transmitted.
  • 3. Conversion → Settlement
    Behind the scenes, dollars are converted to USDC and pushed through Bridge for real-time settlement to the merchant’s address on Base network.
  • 4. Confirmation → Receipt
    Both sides get instant on-chain confirmation and a readable receipt in the app. The merchant sees “Payment Received” within seconds.

The result: final-settled funds, no middleman, and full transparency—all inside a user experience that feels as simple as Apple Pay.

Dollar converting to USDC illustration