Send money

You can pay any Open Payments wallet, on your node or another, in any currency. Your node looks the recipient up, quotes what the payment costs, and pays once you confirm.

Pay someone

1. Choose Send on the Dashboard.
2. Under Whom to pay, enter a payment pointer such as $pay.example.com, a wallet address URL, or the link of a payment request. Your node looks it up as you type, and shows whom it found, in what currency, and what a request asks for. A recipient on your own node says "(one of yours)". Choose Continue.
3. Under How much, choose whether the amount is What they receive, in their currency, or What you send, in yours, and type it. With more than one asset, such as XRP and DSUSD, choose which one to Pay from. Add a note for them, if you like, and choose Review.
4. Read the quote, below, and choose Send.

A payment request comes with its amount filled in. Paying less pays part of it. A request carries its own note, so you add none.

You can send what your hub holds and what your own account on the XRP Ledger holds. If the hub holds less than the payment, your node moves the difference into it first, and the payment waits a few seconds for it to arrive.

Reading the quote

Before it quotes, your node sends a few tiny test packets along the route, and measures what arrives. Nodes on the way may take a small fee, and may convert between currencies, so the quote is what this route delivers now, not a rate from a table.

A quote is good for five minutes, or less when the request it pays expires sooner. The review counts down. Once it has lapsed, choose Get a new quote.

Every packet of the payment must deliver at least the quote's rate, so a route that got worse since fails the payment rather than charging you more.

Follow the payment

Once you choose Send, the wallet opens the payment's own page. It shows Sending…, then Sent or Failed, and leads with the amount you fixed. For a payment of what they receive, that is what they receive, and below it what you paid: so far, of the most it may take, until it is sent. For a payment of what you send, it is what has gone so far, and below it what they receive. It also shows when it started and when it finished. Every payment is in Activity, and Send again starts a new one to the same recipient.

A payment of what they receive counts as complete when the receiver has it, give or take a ten-thousandth of a unit of its currency: every node on the way rounds down in its own units, so no sender can hit an amount to the last digit. It never counts more than a thousandth of the payment that way.

Why a payment can fail

What a failed payment delivered before it stopped stays delivered, and the rest stays with you. The failure says why:

The funds do not cover the payment

Your node refuses it before it starts. What you have of the asset must cover this payment and every unfinished one from it: what is in its hub, and what your node can move in from your own account. When your node's own moves are off, or the hub takes no deposits now, only what is in the hub counts, and the message, like You can pay … now under your balance, says why and what you can do.

The receiver takes no more

The receiver has all it asked for, as when someone else paid the request first.

The receiver stopped the payment before it was complete

The receiver closed it, as when its request was completed early. Ask the receiver.

The payment's packets kept failing

Money stopped getting through, at the receiver or on the path, or arrived short of the quote's rate. Your node tries again, waiting longer each time, until the payment runs out of time ten minutes after it started. Then it says "the payment ran out of time", with the reason.

The receiver's address is invalid

The receiver gave details no payment can go to. Ask the receiver for another address.

If your node has no peers, nothing gets past your own node: payments reach other nodes only through a settlement hub you share with peers. Join the testnet's hub to have some.

The page pays wallets you can name with a pointer or a link. Paying bare STREAM credentials, an address and a shared secret, is open to owner apps through the node's API, not to this page.

Why it works this way: why a payment counts as paid within a tolerance. How a payment travels follows one hop by hop.