For customers (paying a merchant)
You opened a merchant's Runway payment link. You can pay with crypto from almost any chain, or with UPI in rupees. Here's what each screen means.
The top of the page
“Pay handle” and “Settles to handle.pay.runway-rama.testnet”. That is the merchant's keyless settlement account. Your browser reads it from two independent NEAR RPCs and they must agree, so a tampered server can't swap in another account.
Paying with crypto
- Pay with: pick a token and chain, for example “USDC on base”. Some chains have a minimum (BNB Chain $1,000, Tron $100); those options are greyed out for smaller amounts.
- Refund address: an address of yours on the chain you pay from. If the swap can't complete, the funds go back there. The page checks its format.
- Get quote: a live NEAR Intents (1Click) quote. Your browser checks it before showing anything to pay:
| Check | What it protects |
|---|---|
| Quote signed by 1Click | The quote really came from 1Click and wasn't edited. |
| Pays the merchant's settlement account | The money goes to the right place. |
| Delivers USDC on NEAR | The merchant receives the right asset. |
| Delivers at least the invoice amount | The merchant isn't short-changed by slippage. |
| Deadline in the future · deposit address present | The quote is still valid and complete. |
On mainnet the deposit address and QR code appear only if every check passes. On testnet 1Click can't pay a testnet account, so the quote is a price preview and you press Pay with SIMULATED testnet USDC instead.
Payment statuses
| Status | Meaning |
|---|---|
| PENDING_DEPOSIT | Waiting for your deposit. |
| KNOWN_DEPOSIT_TX | Your deposit was seen on the origin chain. |
| PROCESSING | Being swapped to USDC on NEAR. |
| SUCCESS | Delivered to the merchant's settlement account. |
| INCOMPLETE_DEPOSIT · REFUNDED · FAILED | You sent less than quoted, or the swap failed: you're refunded to your refund address. |
Paying with UPI (rupees)
- Open the UPI (₹) tab and enter the amount in rupees (for example
8500). The page previews about how much USDC the merchant receives at the live rate. - Press Get UPI QR. In real use you scan the QR with any UPI app. On testnet you get an Open the SIMULATED UPI page button instead.
- On the simulated page press Simulate success (or “Simulate failure” to test that path).
- Back on the payment page the status moves
pending → paid → delivered, and you get the on-chain receipt.
What happens to your payment
It lands in the merchant's settlement account, and within seconds it is split: if the merchant has a loan, a fixed share repays it to the lenders' vault; the rest goes to the merchant. You don't need to do anything else, and you pay the same price either way.