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Configuring Payments with Mesh Link

This guide explains how to configure Link to facilitate cryptocurrency payments within your application. You’ll learn how to define accepted payment assets, amounts, and how to apply fees. Understanding Payment Configuration When using Link to process payments, you’ll utilize the TransferOptions object within your link token request to specify the parameters of the payment transaction. This includes defining the acceptable cryptocurrencies, their respective destination addresses, and the payment amount.

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Specifying Payment Assets and Destination Addresses

The ToAddresses array within TransferOptions allows you to define the cryptocurrencies users can pay with and the corresponding receiving addresses. Each object in this array represents a payment option. Important: For each entry in the ToAddresses array, you must provide the Mesh-specific Unique Identifier (UID) for the network on which the supported token resides. Refer to the Mesh Connect documentation for a comprehensive list of supported tokens, networks, and their Mesh UIDs: Tokens | Networks | Integrations

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Accepting Payments with Multiple Cryptocurrencies

To allow users to pay with a variety of cryptocurrencies, include multiple objects within the ToAddresses array. For each object, specify the network, symbol, and destination address. Link Token Request Body: 
{
  "UserId": "unique_end_user_identifier",
  "TransferOptions": {
    "ToAddresses": [
      {
        "NetworkId": "e3c7fdd8-b1fc-4e51-85ae-bb276e075611",
        "Symbol": "ETH",
        "Amount": 0.0032,
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      },
      {
        "NetworkId": "e3c7fdd8-b1fc-4e51-85ae-bb276e075611",
        "Symbol": "USDC",
        "Amount": 10,
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      },
      {
        "NetworkId": "e3c7fdd8-b1fc-4e51-85ae-bb276e075611",
        "Symbol": "USDT",
        "Amount": 10,
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      },
      {
        "NetworkId": "7436e9d0-ba42-4d2b-b4c0-8e4e606b2c12",
        "Symbol": "MATIC",
        "Amount": 22.8,
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      }
    ],
    "TransactionId": "unique_transaction_identifier"
  }
}
  • NetworkId: The Mesh UID of the network.
  • Symbol: The cryptocurrency symbol.
  • Amount: The amount the user is expected to pay, in the cryptocurrency specified by the Symbol.
  • Address: The recipient’s cryptocurrency address.
  • TransactionId: A unique identifier for this payment transaction. This is crucial for mapping payments to orders or other internal systems.

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Streamlined Payments with a Single Asset and Amount

If you want to pre-define a single payment option (one cryptocurrency and amount), Link can streamline the user flow. When you provide AmountInFiat and a single network/token/address combination, Link will bypass asset and network selection, taking the user directly to the payment preview. Link Token Request Body: 
{
  "UserId": "unique_end_user_identifier",
  "TransferOptions": {
    "ToAddresses": [
      {
        "NetworkId": "e3c7fdd8-b1fc-4e51-85ae-bb276e075611",
        "Symbol": "ETH",
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      }
    ],
    "AmountInFiat": 10,
    "TransactionId": "unique_transaction_identifier"
  }
}
  • AmountInFiat: The payment amount in fiat currency (e.g., USD).
  • Other parameters are the same as in Scenario 1.

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Adding Payment Processing Fees

You can apply a client fee to payment transactions using the ClientFee parameter in the link token request. Important:
  • This fee should only be used for Payments, where the transfer destination is an address owned by your business.
  • Do not use this for Deposits, where the transfer destination is an address owned by the end-user.
  • The ClientFee will override any default fee configured in your Mesh dashboard for the transaction.
Link Token Request Body (with Client Fee): 
// Multiple Payment Options with Fee
{
  "UserId": "unique_end_user_identifier",
  "TransferOptions": {
    "ToAddresses": [
      {
        "NetworkId": "e3c7fdd8-b1fc-4e51-85ae-bb276e075611",
        "Symbol": "ETH",
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      },
      {
        "NetworkId": "e3c7fdd8-b1fc-4e51-85ae-bb276e075611",
        "Symbol": "USDC",
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      },
      {
        "NetworkId": "e3c7fdd8-b1fc-4e51-85ae-bb276e075611",
        "Symbol": "USDT",
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      },
      {
        "NetworkId": "7436e9d0-ba42-4d2b-b4c0-8e4e606b2c12",
        "Symbol": "MATIC",
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      }
    ],
    "AmountInFiat": 10,
    "ClientFee": 0.025 // 2.5% fee (represented as a ratio)
  }
}

// Single Payment Option with Fee
{
  "UserId": "unique_end_user_identifier",
  "TransferOptions": {
    "ToAddresses": [
      {
        "NetworkId": "e3c7fdd8-b1fc-4e51-85ae-bb276e075611",
        "Symbol": "ETH",
        "Address": "0x9Bf6207f8A3f4278E0C989527015deFe10e5D7c6"
      }
    ],
    "AmountInFiat": 10,
    "TransactionId": "unique_transaction_identifier",
    "ClientFee": 0.025  // 2.5% fee (represented as a ratio)
  }
}
  • ClientFee: A decimal representing the fee percentage (e.g., 0.025 for 2.5%).

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Enabling SmartFunding

Sometimes your user doesn’t have enough of the token you want to get paid in. And sometimes your user doesn’t have any of it. SmartFunding enables auto-top-ups of / auto-conversions to the payment token within in the user’s account before initiating the transfer. To give your users the flexibility to fund their transfers using cryptocurrency, you need to include "FundingOptions": { "Enabled": true } during the initial setup of the Link UI. You do this by including the following setting in your Link initialization code: 
"userId": "example_user123",
  "restrictMultipleAccounts": true,
  "transferOptions": {
    "transactionId": "example_tx123",
    "transferType": "payment", // payment or onRamp
    // Enable SmartFunding
    "fundingOptions": {
      "enabled": true
    },
    "isInclusiveFeeEnabled": false,
    "toAddresses": [
      {
        "symbol": "USDT",
        "address": "0x314838D6783865908456257c0b07Ea4Bc272cF98", 
        "networkId": "18fa36b0-88a8-43ca-83db-9a874e0a2288",
        "amount": 99.99 // pass an amount when enabling SmartFunding
      }
    ]
  },
  "integrationId": "9226e5c2-ebc3-4fdd-94f6-ed52cdce1420"
👍 This is best suited for payment or onRamp transfer types and operate best with a single token and a passed amount parameter
With this option enabled, if a user doesn’t have enough balance for a transfer, Mesh can guide them through using the balances in their account, and payment methods linked to their account to top up their balance.