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Your app never touches balances, keys or payment screens. It asks; Zend shows its own confirm sheet with your app’s name, the amount, the recipient, and where the money goes; the user decides.

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Actions

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Amounts

Every money call takes either amount in US dollars or price: { ngn } in Naira:
With price, Zend converts at its current rate and shows ₦ on its sheet. Webhooks carry amount_usd, plus price_ngn and the rate used when you priced in Naira. Users see amounts in Naira by default. An ask link priced in Naira asks for that many Naira each time someone pays it. Money links and prizes are converted once, when they’re made.

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reference

Pass reference (up to 64 characters), such as your order or game ID. It comes back on every webhook for that money action, and you can look payments up by it from your server.

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Rules Zend enforces

  • Your app’s tier limits: payment size, daily spend per user, links per day, link size.
  • Zend-wide limits on links and prizes.
  • Only one money sheet at a time. A second call while one is open rejects with BUSY.
  • USER_CANCELLED means the user tapped Cancel. It’s not an error to report.
Never treat a resolved pay() in the browser as proof of payment. Credit orders on the payment.completed webhook. See Verifying payments.

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Entry fees and stakes

Player-paid entry fees and stakes are off by platform policy. Host-funded prizes work today.