Wino Pay

How Wino secures merchant funds

Get back

Wino Pay

How Wino secures merchant funds

Get back

Summary

Wino Pay is built so merchants stay in control. We don’t custody funds, we can’t freeze balances, and we can’t move money on your behalf. Payments settle directly to the merchant wallet, confirmed on-chain, and shown at checkout with a verifiable status.

Summary

Wino Pay is built so merchants stay in control. We don’t custody funds, we can’t freeze balances, and we can’t move money on your behalf. Payments settle directly to the merchant wallet, confirmed on-chain, and shown at checkout with a verifiable status.

Summary

Wino Pay is built so merchants stay in control. We don’t custody funds, we can’t freeze balances, and we can’t move money on your behalf. Payments settle directly to the merchant wallet, confirmed on-chain, and shown at checkout with a verifiable status.

What “non-custodial” means

Non-custodial means the merchant controls the private keys to their wallet. Those keys are required to move funds. Wino does not hold your keys and does not hold your funds. Wino Pay is a checkout interface that helps you request a payment and verify when it has been completed on-chain.

What “non-custodial” means

Non-custodial means the merchant controls the private keys to their wallet. Those keys are required to move funds. Wino does not hold your keys and does not hold your funds. Wino Pay is a checkout interface that helps you request a payment and verify when it has been completed on-chain.

What “non-custodial” means

Non-custodial means the merchant controls the private keys to their wallet. Those keys are required to move funds. Wino does not hold your keys and does not hold your funds. Wino Pay is a checkout interface that helps you request a payment and verify when it has been completed on-chain.

What happens during a payment

A typical Wino Pay transaction looks like this: 1. Create a payment request in Wino Pay (amount + currency). 2. Customer pays from their wallet by scanning a QR code. 3. On-chain confirmation arrives within seconds (depending on the network). 4. Receipt and status are shown to both sides, and the funds are already in the merchant wallet.

What happens during a payment

A typical Wino Pay transaction looks like this: 1. Create a payment request in Wino Pay (amount + currency). 2. Customer pays from their wallet by scanning a QR code. 3. On-chain confirmation arrives within seconds (depending on the network). 4. Receipt and status are shown to both sides, and the funds are already in the merchant wallet.

What happens during a payment

A typical Wino Pay transaction looks like this: 1. Create a payment request in Wino Pay (amount + currency). 2. Customer pays from their wallet by scanning a QR code. 3. On-chain confirmation arrives within seconds (depending on the network). 4. Receipt and status are shown to both sides, and the funds are already in the merchant wallet.

No custody

Because Wino doesn’t hold balances, there’s no “platform account” that can be paused or drained. Funds settle to your wallet directly.

No custody

Because Wino doesn’t hold balances, there’s no “platform account” that can be paused or drained. Funds settle to your wallet directly.

No custody

Because Wino doesn’t hold balances, there’s no “platform account” that can be paused or drained. Funds settle to your wallet directly.

Final settlement (no chargebacks)

Stablecoin transfers are irreversible by design. Once a payment is confirmed on-chain, it can’t be pulled back like a card chargeback. This reduces fraud risk and simplifies reconciliation.

Final settlement (no chargebacks)

Stablecoin transfers are irreversible by design. Once a payment is confirmed on-chain, it can’t be pulled back like a card chargeback. This reduces fraud risk and simplifies reconciliation.

Final settlement (no chargebacks)

Stablecoin transfers are irreversible by design. Once a payment is confirmed on-chain, it can’t be pulled back like a card chargeback. This reduces fraud risk and simplifies reconciliation.

Verifiable transactions

Every payment has an on-chain record. Wino Pay shows the status clearly at checkout so staff and customers know when a payment is complete.

Verifiable transactions

Every payment has an on-chain record. Wino Pay shows the status clearly at checkout so staff and customers know when a payment is complete.

Verifiable transactions

Every payment has an on-chain record. Wino Pay shows the status clearly at checkout so staff and customers know when a payment is complete.

Refunds, disputes, and tips

Because settlement is final, refunds don’t happen automatically inside the payment rail. If a refund is needed, the merchant sends a new transaction back to the customer’s address (similar to a manual refund). Tips can be handled as a separate payment when needed.

Refunds, disputes, and tips

Because settlement is final, refunds don’t happen automatically inside the payment rail. If a refund is needed, the merchant sends a new transaction back to the customer’s address (similar to a manual refund). Tips can be handled as a separate payment when needed.

Refunds, disputes, and tips

Because settlement is final, refunds don’t happen automatically inside the payment rail. If a refund is needed, the merchant sends a new transaction back to the customer’s address (similar to a manual refund). Tips can be handled as a separate payment when needed.

What Wino does and does not do

Wino does: • Generate a checkout request (QR / invoice) • Track confirmation status on-chain • Provide receipts and transaction history • Help merchants manage settlement workflows (via Wino Bank) Wino does not: • Hold customer or merchant funds • Control or store merchant private keys • Reverse or “charge back” a completed payment

What Wino does and does not do

Wino does: • Generate a checkout request (QR / invoice) • Track confirmation status on-chain • Provide receipts and transaction history • Help merchants manage settlement workflows (via Wino Bank) Wino does not: • Hold customer or merchant funds • Control or store merchant private keys • Reverse or “charge back” a completed payment

What Wino does and does not do

Wino does: • Generate a checkout request (QR / invoice) • Track confirmation status on-chain • Provide receipts and transaction history • Help merchants manage settlement workflows (via Wino Bank) Wino does not: • Hold customer or merchant funds • Control or store merchant private keys • Reverse or “charge back” a completed payment

What Wino does and does not do

Wino does: • Generate a checkout request (QR / invoice) • Track confirmation status on-chain • Provide receipts and transaction history • Help merchants manage settlement workflows (via Wino Bank) Wino does not: • Hold customer or merchant funds • Control or store merchant private keys • Reverse or “charge back” a completed payment

What Wino does and does not do

Wino does: • Generate a checkout request (QR / invoice) • Track confirmation status on-chain • Provide receipts and transaction history • Help merchants manage settlement workflows (via Wino Bank) Wino does not: • Hold customer or merchant funds • Control or store merchant private keys • Reverse or “charge back” a completed payment

What Wino does and does not do

Wino does: • Generate a checkout request (QR / invoice) • Track confirmation status on-chain • Provide receipts and transaction history • Help merchants manage settlement workflows (via Wino Bank) Wino does not: • Hold customer or merchant funds • Control or store merchant private keys • Reverse or “charge back” a completed payment

Start accepting stablecoin payments today

Set up Wino Pay in minutes, keep control of your funds, and settle on-chain with instant finality.
Start using

Start accepting stablecoin payments today

Set up Wino Pay in minutes, keep control of your funds, and settle on-chain with instant finality.
Start using

Start accepting stablecoin payments today

Set up Wino Pay in minutes, keep control of your funds, and settle on-chain with instant finality.
Start using
© Wino. All rights reserved.