[УКР](https://hackmd.io/Q5OrcottRSKWlfrPZPC7mg) | ENG
:arrow_left: [Guide](https://hackmd.io/pa6TRNZTTa67jO_qYDuRBQ)

# General Interaction Scheme

:::info
[TOC]
:::

## User Binding

:::info
[[40001] User Binding](https://hackmd.io/uSg6gAbmQIa5jGfyXg7-cA)
:::


## List of Payment Instruments

:::info
[[40002] Get List of Payment Instruments](https://hackmd.io/5n9sCS4QSpeMfdXRx2pEyQ)
:::


## Balance of Payment Instrument

:::info
[[40003] Get Balance of Payment Instrument](https://hackmd.io/32XxSANBSmCQa1CQM18Ryw)
:::


## Payment Execution

:::info
[[40401] Payment Instrument-Card](https://hackmd.io/mgUxXbOGTCOQPPVunYXEEQ)
[[40402] Payment Instrument-Wallet](https://hackmd.io/6CvfvhTqQoKVHV8rqW8AEw)
[[40403] Payment Instrument-IBAN](https://hackmd.io/N6l7JmtQQ4mVtAl-2GebOw)
[[40404] Payment Instrument-Payment Instrument](https://hackmd.io/UIddEovXSIOtvqzrmK5Fhg)
[[40406] Payment Instrument-Merchant's Wallet](https://hackmd.io/IQEgkWxpTd-UvfbbVur-uQ)
[[40205] Check Ability of Phone Top-Up](https://hackmd.io/DlABugOEQCyTtLcsjr7kIQ)
[[40405] Payment Instrument-Phone](https://hackmd.io/4Xfii4YXQRKivurr__ImEA)
:::

Sender of the payment can be any payment instrument available to the user with a sufficient balance for the transaction. Recipient of the payment is the XPAY wallet or a bank payment card. Depending on the recipient use the **"Payment to wallet"** or **"Payment to card"** service.

Operation may require additional identification with a password **OTP** or **PIN**. The OTP password can be sent both by SMS to the mobile number and to the email specified during registration (this setting is made by agreement).

The information exchange is schematically presented in the diagram:


## OTP Confirmation

:::info
[[40004] Confirm OTP](https://hackmd.io/Ng9kPIOLRTGPnSOf6Dix0g)
:::

If it is necessary to confirm the operation with a one-time password (*operation status 3*), additionally call the "**OTP Confirmation**" service.

## Frame for Binding Card to User

:::info
[[40005] Get Frame to Add Card](https://hackmd.io/6yGgOTUeRhy9CVPFLKKgiw)
:::

If it is necessary to bind a bank payment card to the user account, use the **Frame** display mechanism. In the frame, the card binding with the **lookup** operation is implemented. The frame is available via a unique link and has a limited lifetime (which is set in the Operator's system settings).

:arrow_left: [Guide](https://hackmd.io/pa6TRNZTTa67jO_qYDuRBQ)

<details>
<summary>XPAY Support</summary>
</br>

Phone: [phone]
Email: [e-mail]
Telegram: @xpaysupportbot
</details>