A payment request is a structured message specifying the information a payer needs to complete a payment, such as the amount, asset, destination, network, reference, or expiration time.
Stablecoin payment requests can be delivered through an invoice, API response, QR code, wallet link, or other machine-readable format. A well-formed request reduces ambiguity by identifying the exact token and blockchain network as well as the destination. Some payment requests also include metadata used for reconciliation or a time-limited exchange-rate quote.
A payment request communicates what should be paid and where. Payment authorization is the payer's approval of the resulting transaction.
Structured requests reduce manual entry errors and give merchants a reliable link between blockchain transactions and orders or invoices.
A payment request can instruct a customer to send 250 USDC on a specified network to a specified address before a stated expiration time.