# Payments (/store/manage-payments/payments)







Pandabase processes payments as the **Merchant of Record (MoR)**: we charge the customer, collect tax, handle disputes, and issue refunds on your behalf. After fees, we settle the net to your store's available balance in **USD**.

## Currency [#currency]

Customers pay in their local currency wherever supported. This unlocks region-specific payment methods (iDEAL, BLIK, PIX, UPI, etc.) and gives them a familiar checkout. Exchange rates are locked at checkout time and the conversion happens on our side, so you always receive USD.

<Callout type="info">
  Final charge amounts may vary slightly due to FX fluctuations between
  checkout and settlement. Your USD settlement is unaffected.
</Callout>

## Payment methods [#payment-methods]

Global methods (cards, Apple Pay, Google Pay) work in every supported currency. Local methods appear automatically when the checkout is presented in that region's currency.

| Method                                  | Code          | Presentment currency |
| --------------------------------------- | ------------- | -------------------- |
| Card (Visa, Mastercard, Amex, Discover) | `card`        | Any supported        |
| Apple Pay                               | `apple_pay`   | Any supported        |
| Google Pay                              | `google_pay`  | Any supported        |
| Alipay                                  | `alipay`      | USD                  |
| Amazon Pay                              | `amazon_pay`  | USD, GBP, EUR        |
| Bancontact                              | `bancontact`  | EUR                  |
| Bizum                                   | `bizum`       | EUR                  |
| BLIK                                    | `blik`        | PLN                  |
| Cash App Pay                            | `cash_app`    | USD, GBP             |
| EPS                                     | `eps`         | EUR                  |
| iDEAL                                   | `ideal`       | EUR                  |
| Kakao Pay                               | `kakao_pay`   | KRW                  |
| MB WAY                                  | `mb_way`      | EUR                  |
| Multibanco                              | `multibanco`  | EUR                  |
| Naver Pay                               | `naver_pay`   | KRW                  |
| Pay by Bank                             | `pay_by_bank` | GBP                  |
| PAYCO                                   | `payco`       | KRW                  |
| PIX                                     | `pix`         | BRL                  |
| Przelewy24                              | `p24`         | PLN                  |
| Satispay                                | `satispay`    | EUR                  |
| Samsung Pay                             | `samsung_pay` | KRW                  |
| UPI                                     | `upi`         | INR                  |
| WeChat Pay                              | `wechat_pay`  | USD                  |

## Lifecycle [#lifecycle]

<Steps>
  <Step>
    ### Checkout [#checkout]

    Customer completes a checkout session and submits payment.
  </Step>

  <Step>
    ### Capture [#capture]

    The payment is authorized and captured. 3-D Secure 2 runs automatically when the issuer requires it.
  </Step>

  <Step>
    ### Fulfillment [#fulfillment]

    On success, an order is created and fulfillment starts (license keys, downloads, webhooks).
  </Step>

  <Step>
    ### Settlement [#settlement]

    The net amount (sale minus fees) is added to your available balance, ready to [pay out](/store/finances/payouts).
  </Step>
</Steps>

## Statuses [#statuses]

| Status     | Meaning                                    |
| ---------- | ------------------------------------------ |
| Pending    | Awaiting customer or network confirmation. |
| Processing | Payment is being processed.                |
| Completed  | Payment succeeded, order fulfilled.        |
| Failed     | Declined or rejected.                      |
| Cancelled  | Cancelled before completion.               |
| Refunded   | Order was refunded.                        |
| Chargeback | Customer filed a dispute with their bank.  |

## Dashboard [#dashboard]

The **Payments** page lists every payment your store has received. Filter by status, search by order or customer, and customize the visible columns.

<img alt="Payments list view" src="__img0" />

Click any row to open the detail view, which includes:

* **Items and totals.** Line items, tax, platform fee, processing fee, and the net settled amount.
* **Customer.** Email and billing address as captured at checkout.
* **Location & Network.** Country, partial phone, IP, ISP, and browser fingerprint, useful for triaging fraud.
* **Internal IDs.** Order, customer, payment, and payment reference IDs for support tickets and webhook lookups.
* **Timeline.** Every event for the payment in order: checkout confirmed, webhooks dispatched, payment captured, order fulfilled.

<img alt="Payment detail view" src="__img1" />

Refunds are issued from the action button in the top right. See [Refunds](/store/manage-payments/refunds) for the full flow.

## Fees [#fees]

You pay per sale, with no monthly or setup fees. See [Pricing](/pricing) for the full breakdown with examples.