> For the complete documentation index, see [llms.txt](https://docs.sweep.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.sweep.finance/ecosystem-components/sweepay/payment-and-transfer-flow.md).

# Payment & Transfer Flow

SweePay is designed to manage both payment and transfer processes through a structured and consistent transaction flow. Each interaction follows a defined sequence that ensures clarity, efficiency, and reliable execution.

### **Initiation**

The flow begins when a user initiates an action, such as:

* Making a payment
* Sending assets to another user
* Using a card for a purchase

The system captures the request and prepares it for processing.

### **Validation & Authorization**

Before execution, the transaction is validated:

* User balance and asset availability are checked
* Transaction parameters are verified
* Authorization is completed through the user’s wallet or payment method

This step ensures that only valid and authorized transactions proceed.

### **Routing**

After validation, the transaction is routed through the appropriate channel:

* **On-chain routing** for crypto-based payments and transfers
* **Payment network routing** for card-based transactions (Mastercard / Visa)

This allows SweePay to support both blockchain and traditional payment flows within a single system.

### **Execution**

Once routed, the transaction is executed:

* Blockchain transactions are submitted and processed on-chain
* Card transactions are processed through the relevant payment network

Execution occurs automatically based on predefined system logic.

### **Settlement**

Following execution, the transaction is finalized:

* On-chain transactions are confirmed and recorded
* Card transactions are settled through payment networks
* Final balances are updated accordingly

This ensures that each transaction reaches a definitive and traceable state.

### **Confirmation**

After settlement:

* The user receives confirmation of the transaction
* Relevant transaction details are made available
* The outcome is clearly reflected in the user’s account or wallet