How it works
Three ways to pay or get paid. One honest settlement path.
Every Zeb Scan payment starts in ZEC and ends in INR. What happens in between depends on whether you're paying a UPI QR directly or a merchant is collecting through their own checkout.
Scan & Pay
For anyone paying a UPI QR. The receiver doesn't need a Zeb Scan account.
Possible outcomes
- Completed — provider confirmed the INR transfer
- Failed — retried with another provider, or ZEC refunded
- Disputed — held for review
Stage 1
Read the QR
Scan, upload or paste a upi://pay QR, or type a UPI ID. You confirm the receiver before anything else.
Stage 2
Lock a quote
Enter INR. See fees, the exact ZEC due and the quote expiry (90 seconds).
Stage 3
Pay ZEC
Send to a unique receiving address. Our wallet detects the deposit by scanning, then waits for confirmations.
Stage 4
INR payout
A P2P PAY order funded by our USDC treasury is placed. A liquidity provider sends INR to the UPI receiver.
Merchant QR Terminal & Counter QR
For shops that onboard. Charge a fixed INR amount, or let customers enter one from a printed Counter QR.
Possible outcomes
- Credit locked during cooldown
- Available to withdraw after cooldown
- Underpaid, overpaid or late payments held for refund — no credit
Stage 1
Enter the amount
At the counter, type ₹500 and create a checkout with a locked quote.
Stage 2
Customer pays ZEC
The QR is unique to this sale. A Counter QR opens your checkout page and makes a fresh address each time.
Stage 3
Verified & credited
Once verified, your dashboard shows an INR-denominated credit: Pending → Locked → Available after cooldown.
Stage 4
Withdraw
Request a withdrawal. A P2P SELL order sends INR to your registered UPI-linked account when a provider completes it.
Payment Links
For merchants selling online, by chat or by invoice.
Possible outcomes
- Active
- Exhausted — use limit reached by confirmed payments
- Expired or revoked — no new checkouts
Stage 1
Create a link
Fixed price or a customer-chosen amount within limits. One-time or reusable, with optional expiry and use cap.
Stage 2
Customer checks out
No sign-in. They see your name and exact INR terms, then get a fresh quote and unique address.
Stage 3
Only confirmed payments count
Opening the link or abandoning a checkout never uses up a one-time link.
Stage 4
Same settlement
Credits follow the same cooldown and withdrawal path as the terminal.
Shielded vs transparent
Choose shielded whenever your wallet allows it.
Shielded
Sender, receiver and amount are hidden from public chain observers. Our receiving wallet verifies the payment using its own viewing capability — a public explorer can't, and that's by design.
Transparent
Works with more wallets, but the amount and addresses are publicly visible on-chain. You'll see a warning before paying this way.
Either way, the INR payout happens in the banking system: payout providers and banks see the transfer details they need.
Waiting, cooldowns and balances
What takes time, and why.
Being clear about timing and liabilities matters more than looking instant.
Payout waiting
A Scan & Pay payout waits for ZEC confirmations, then for a liquidity provider to accept and complete the INR transfer. It isn't complete until the provider confirms.
Merchant cooldown
New merchant credits are protected during an initial cooldown window to verify on-chain finality before withdrawal.
Balances are liabilities
A merchant's balance is an INR-denominated amount Zeb Scan owes. It is not a bank deposit. A live service must back it with reserved liquidity.