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Use-case: Escrow

As a User, I want to be sure that the Merchant will deliver goods/services and my payment is secure.

Actor: User, Merchant
Actions of Actor
1. Log in to the back-office
2. User orders goods/services from the merchant.
3. Merchant issues invoice to User
4. User chooses the payment method to pay the invoice (e.g. bank transfer)
  • Reflect all available payment methods for a particular transaction
  • Check limits/blocks
5. User confirms the payment
  • Depending on the chosen payment, method SDK.finance uses the external API of third parties to perform the transactions (unless the payment from wallet was chosen)
  • Funds are transferred from User’s bank account to bank account of Escrow Service
  • Transaction is reflected in the transactions history.
6. Merchant delivers goods/services
  • Escrow Service transfers funds to merchant account
  • Transaction is reflected in the transaction history
OR
6. Merchant fails to deliver goods/services
  • Escrow Service transfers funds back to User’s account
  • Transaction is reflected in the transaction history