01
Merchant creates a payment request
The merchant enters the item, price, supported asset, and payment method inside the NexaChain Merchant app.
NexaChain Payment Flow
A simple path from payment requestto blockchain settlement.
Whether the buyer scans a QR code or opens a payment link, every NexaChain payment follows the same transparent workflow from review and authorization to direct on-chain settlement.
End-to-end workflow
How a NexaChain payment works
Each stage is designed to keep the payment understandable, user-authorized, and directly connected to the blockchain.
QR code or payment link
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02
Buyer opens the payment request
The buyer scans the merchant QR code or opens the payment link using the NexaChain Buyer app.
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03
Buyer reviews every detail
The item price, separate NexaChain software fee, total payment, supported asset, and blockchain network are displayed before authorization.
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04
Buyer authorizes locally
The buyer confirms the payment and the wallet signs the transactions locally using the private key stored on the buyer’s device.
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05
Transactions are submitted on-chain
The buyer wallet sends one transaction for the full item price to the merchant and a separate transaction for the NexaChain software usage fee.
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06
Settlement is completed
The merchant receives the full item price, while the buyer separately pays the disclosed NexaChain software usage fee to the treasury wallet.
Two ways to pay
One consistent payment experience.
QR payments and payment links begin differently, but both lead to the same review, authorization, and settlement process.
QR
In-person payments
Scan a merchant QR code
The merchant generates a structured payment request and displays its QR code. The buyer scans it using the NexaChain Buyer app.
1
Merchant creates the payment request
2
Buyer scans the QR code
3
Payment details are loaded
4
Buyer reviews and confirms
5
Transactions settle on-chain
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Remote payments
Open a payment link
The merchant creates a payment link and shares it through a digital channel. The buyer opens the link and continues through the same confirmation process.
1
Merchant generates a payment link
2
Link is shared remotely
3
Buyer opens the payment request
4
Buyer reviews and confirms
5
Transactions settle on-chain
Before authorization
The buyer reviews the complete payment.
NexaChain shows the complete payment details before anything is signed. The merchant receives the full item price, while the buyer pays the separate NexaChain software usage fee.
✓Item and merchant information
✓Full item price payable to the merchant
✓Separate 2% NexaChain software fee
✓Final total payable by the buyer
✓Selected token and blockchain network
Payment confirmation
Review payment
N
Merchant
NexaChain Coffee Shop
Item
Coffee
10.00 USDT
Item price10.00 USDT
NexaChain fee · 2%0.20 USDT
Total to pay10.20 USDT
NetworkBNB Smart Chain
AuthorizationBuyer wallet
Sign & send transactions
The buyer wallet signs and sends one transaction to the merchant and one transaction for the NexaChain software fee.
1
Buyer device
Complete payment breakdown is displayed
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2
Self-custodied wallet
Buyer controls transaction authorization
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3
Local private key
Private key remains stored on the device
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4
Digital signatures
Merchant payment and software fee transactions are signed
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5
BNB Smart Chain
Both signed transactions are broadcast on-chain
Local wallet authorization
Private keys never need to leave the device.
NexaChain prepares the payment request and confirmation experience, but the buyer remains responsible for authorizing the transactions.
After confirmation, the wallet signs the merchant payment and software fee transactions locally. NexaChain does not receive the private key and does not sign or send the transactions on behalf of the buyer.
Blockchain settlement
Two direct transactions on BNB Smart Chain.
Once authorized, the buyer wallet signs and sends one transaction for the full merchant payment and one separate transaction for the NexaChain software usage fee.
Source
Buyer wallet
Buyer reviews, authorizes, and signs locally
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Network
BNB Smart Chain
Blockchain processing and confirmation
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Merchant payment
100%
Merchant wallet
The merchant receives the full item price directly from the buyer wallet.
Buyer-paid software fee
2%
Treasury wallet
The buyer separately sends the disclosed NexaChain software usage fee to the treasury wallet.
Example: for an item priced at 10.00 USDT, the merchant receives 10.00 USDT and the buyer separately pays a 0.20 USDT NexaChain fee, for a total of 10.20 USDT. Blockchain network fees are additional and require sufficient BNB.
Why the flow matters
Designed around clarity and user control.
01
Transparent
The buyer reviews the item price, software fee, total, token, and network before authorizing.
02
Self-custodied
Private keys remain on the user’s device, and NexaChain does not hold or control customer funds.
03
Direct settlement
The merchant payment and software fee are sent directly from the buyer wallet on BNB Smart Chain.
04
Built for flexibility
The same payment experience supports both in-person QR payments and remote payment links.
Experience NexaChain
Create, review, authorize, and settle.
Download the NexaChain applications and experience a payment flow built for both in-person and remote stablecoin payments.
Continue to NexaChain Security →