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Customers may sometimes send slightly less than requested — for example, because they entered the amount incorrectly or didn’t account for a fee deducted by their wallet or exchange. In your merchant settings, you choose what CryptoProcessing does in such cases: Accept underpayments or Reject & refund automatically. You can change the setting at any time. It takes effect immediately and applies to all current and future payment requests.

Accept underpayments

If receiving the exact requested amount is not critical for your business, you can accept such payments within a certain tolerance. This can help reduce the number of failed payments. The tolerance can be set as a percentage of the requested amount (e.g., allow underpayments up to 2%) or as the EUR amount (e.g., allow underpayments up to 10 EUR). You can also combine the two values so that the percentage caps at a certain limit (e.g., allow underpayments up to 2% but no more than 10 EUR).
Here’s how a combined rule of 2% / 10 EUR applies to different payment requests:
  • 100 EUR requested → at least 98 EUR required (underpayment up to 2%)
  • 1000 EUR requested → at least 990 EUR required (underpayment capped at 10 EUR)
CryptoProcessing keeps waiting for additional transactions until the payment request times out. If the paid amount is within the tolerance, the payment request gets the status, with the actual paid amount reported in the API callback (see the Integration guide). If the paid amount is not within the tolerance, the payment request gets the status, and CryptoProcessing initiates an automatic refund for the received funds minus a refund fee. To enable this behavior:
1
Go to Settings → Payment requests.
2
On the Payment handling rules tab, click Manage.
3
Select Accept underpayments.
4
Specify the Underpayment tolerance.You can enter the percentage, the maximum EUR amount, or both.
5
Enter your 2FA code and click Save changes.

Reject & refund automatically

This is the default behavior we set for all merchants. If there is not enough funds received when the payment request times out, it gets the status. CryptoProcessing initiates an automatic refund for the received funds minus a refund fee. To enable this behavior:
1
Go to Settings → Payment requests.
2
On the Payment handling rules tab, click Manage.
3
Select Reject & refund automatically.
4
Enter your 2FA code and click Save changes.
Last modified on October 2, 2026