ARCpayEcosystem Flows
Explore the seamless Web3 payment experience powered by ARCpay on Pi Network and Stellar. Select a flow below to see how it works in action.
P2P Transaction Flow (Internal)
01. Search Account User enters receiver's Pi username, phone number, or ARCpay ID directly within the App's home screen.
Enter Transfer Amount
02. Verify Details & Amount The app fetches recipient info (e.g. @FI21****.pi). User enters the amount to transfer in Pi (π).
Transaction
Verification
Please enter your 4-digit PIN to
authorize the transaction.
03. PIN Verification User authorizes the final amount by entering their secure 4-digit PIN.
Insufficient ARCpay
Balance
Your in-app balance is insufficient to pay π 50.00.
04. Smart Routing (SDK) If the internal ARCpay balance is insufficient, the system gracefully triggers the Pi SDK to complete payment via the Mainnet Wallet.
05. Payment Confirmed Upon completion, a success toast appears and the wallet balance instantly updates.
01. Scan Merchant QR User opens the ARCpay scanner and points the camera at the merchant's QR code.
Enter Transfer Amount
02. Confirm Amount If the QR is "Dynamic", the user enters the amount. If "Fixed", the amount (e.g. π 20) is locked and ready.
Transaction
Verification
Please enter your 4-digit PIN to
authorize the transaction.
03. PIN Verification User securely authorizes the transaction with their local 4-digit PIN.
Insufficient ARCpay
Balance
Your in-app balance is insufficient to pay π 20.00.
04. Smart Routing (SDK) If the internal ARCpay balance is insufficient, the system gracefully triggers the Pi SDK to complete payment via the Mainnet Wallet.
05. Payment Confirmed Upon completion, a success toast appears and the wallet balance instantly updates.
01. User Presents QR Customer opens the ARCpay dApp and displays their personal payment QR code or Barcode. This secure screen has a 5-minute active window for the cashier to scan.
Sale Summary
Pay
02. Cashier Scans The cashier selects "ARCpay" on the POS system and uses a barcode scanner to scan the customer's app. The POS auto-converts fiat to Pi.
Insufficient ARCpay
Balance
Your in-app balance is insufficient to pay π 29.704.
03. Smart Routing Consistent with all flows, if the ARCpay balance falls short, the Pi SDK natively prompts payment via the Mainnet Wallet.
04. Payment Confirmed Once verified on-chain, a success toast appears, the balance is instantly updated, and the POS prints the receipt!
Management
No QR codes created yet
01. Permissionless Creation Merchants start with a clean slate. Tap "+" to effortlessly create payment QR codes, tapping into 18M+ Pi KYC users with only a 0.5% fee.
Management
Create QR Code
02. Setup Dynamic QR Merchants can choose a "Dynamic" type, meaning customers will manually input the total bill amount after scanning.
Management
Create QR Code
03. Setup Fixed QR Alternatively, choose "Fixed" to lock the price for specific products (e.g. π 20 for a Coffee).
Management
04. Published Instantly A success toast confirms creation. The QR code is instantly added to the list and live on Soroban smart contracts.
Order Summary
Sneakers
Payment Method
Awaiting confirmation...
01. Checkout Request
Partner website calls ARCpay API during checkout. The API returns a unique PaymentID and QR Code valid for 10 minutes.
Confirm Payment
02. User Scans & Authenticates User scans the QR or enters the code in ARCpay dApp. After entering their PIN, the system verifies the transaction.
Insufficient ARCpay
Balance
Your in-app balance is insufficient to pay π 150.00.
03. Smart Routing Consistent with all flows, if the ARCpay balance falls short, the Pi SDK natively prompts payment via the Mainnet Wallet.
04. Callback & Expiration Upon completion or timeout, the Payment ID expires. ARCpay instantly fires a webhook callback to the merchant's system to update the order status.