Settlement & Reconciliation

3PAY settles on-chain and maintains an off-chain ledger for balance tracking and fee accounting.

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Deposit Settlement

1. Customer sends USDT → payment detected on-chain
2. Deposit fee deducted (tiered per merchant)
3. Net amount credited to merchant balance atomically
4. Webhook fires

Withdrawal Settlement

1. Withdrawal request created (API or dashboard)
2. Auto-approved or queued for merchant approval
3. On approval: flat fee deducted, on-chain transfer executed
4. Webhook fires with final status

Merchants approve their own withdrawals. Admin has no withdrawal management ability.

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Transaction Statuses

Deposits

Withdrawals

Payouts (Dashboard)

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Balance Model

• Deposits add to totalAmt
• Withdrawals atomically move from totalAmt to pendingAmt
• Approval sends from pendingAmt on-chain
• Rejection/failure restores to totalAmt

All balance operations are atomic — no race conditions.

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Fees

Deposits

Tiered per merchant (or legacy percentage). Fee payer configurable via depositFeePayer.

Withdrawals

Fee payer configurable via withdrawalFeePayer. Gas costs included.

Fee Sweep

Accumulated deposit fees swept to admin wallet weekly (Saturday cron). No merchant action required.

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Reconciliation

Use the on-chain transaction hash as source of truth.

GET /api/v1/public/transaction/list?status=confirmed&sortBy=confirmedAt&sortOrder=desc

Match against your records using transactionId, blockchainTxHash, amount, fee, netAmount.

Cross-reference on-chain:

• Ethereum: https://etherscan.io/tx/{hash}
• Tron: https://tronscan.org/#/transaction/{hash}

The dashboard also supports Excel export for offline reconciliation.

Only count confirmed/completed transactions for accounting.