0pay
Română
Română

Send money

Bank transfer, wallet or Lightning, from one Send screen

Choose who you are paying and how the money travels. Before anything moves, you see what leaves your account and what arrives, and you confirm it yourself.

  • Your own accounts lead the list of people to pay.
  • A way to send that cannot be used stays in view, with the reason.
  • The review shows what you pay and what they receive.
  • Nothing moves until you slide and confirm.
The Send screen asking how you are sending it: bank transfer, wallet address or Lightning invoice, above the people you pay
The amount step of Send: who is paid, the euro account it comes from with its available balance, and the amount typed on the keypad

From choosing who to confirming it

  1. Pick who you are paying

    First choose how you are sending it: bank transfer, wallet address or Lightning invoice. On the list, your own accounts come first, then favourites, then everyone else. A destination that is still being activated is listed, but you cannot pick it yet, and the row says why.

  2. Enter the amount

    Type it on the keypad, or in a field on a wide screen. For a bank transfer, add a reference: the person you pay sees it on their statement.

  3. Review what leaves and what arrives

    “You pay” and “They receive” are shown apart, with the currency the recipient is paid in and the destination, partly masked. Before a larger payment to a wallet address, the app asks whose wallet it is.

    The review step: who is paid with the account partly masked, the currency they are paid in, the account it comes from, the rail and the amount

  4. Slide, then confirm

    Sliding creates the payment and nothing more. The money goes out only once you confirm it is you. If you do not confirm, nothing is sent.

    The confirmation code boxes, with how many attempts and resends are left and the Confirm button

Paste a Lightning invoice. It already says who and how much.

A Lightning invoice carries its own destination and amount, so there is no recipient to pick and no amount to type. The screen shows what the request asks for before you review it. An invoice is used once and is never added to the people you pay.

Lightning invoice chosen on the Send screen: a note that the invoice carries its own destination and amount, a field for the payment request and the bitcoin account it is paid from

Wrong codes cancel the payment, and nothing is sent

The confirmation sheet shows how many attempts you have left. After too many wrong codes it closes, the payment is cancelled and the money never left your account. Asking for a new code does not add time, and a confirmation left open too long closes the same way.

The Confirm it is you sheet after too many wrong codes: the confirmation is closed, nothing was sent, and a Start again button

Then it is on its way, and in your activity

Once you confirm, the screen says the payment has been accepted. From then on, the same payment is listed in Activity with its status and a full receipt, next to every other movement on that account.

Activity and receipts
The On its way screen after a payment is confirmed: the payment has been accepted, with buttons to view activity or finish

Nothing moves on a single tap.

Every payment ends with a review, a slide and your confirmation. The slide only creates the payment; your confirmation is what sends it.

How confirmations work

Questions about sending

What does the review show?

What leaves your account and what arrives on the other side, as two separate lines: “You pay” and “They receive”. It also names the currency the recipient is paid in and shows the destination, partly masked, so you can check you picked the right one. If anything looks wrong, go back before you slide.

What can a bank transfer reference contain?

Letters, digits, spaces and a few punctuation marks, within the length a SEPA reference allows. Letters with accents, such as ș or é, are refused as you type, because banks may drop or change them on the way and the person you pay would read something you did not write. The rule applies to bank transfers only.

Can I pay a Lightning invoice?

Yes, from a bitcoin account. Choose Lightning invoice and paste the payment request. It already names the destination and the amount, so there is nothing else to fill in. You still review it and confirm it like any other payment. Without a bitcoin account, the option stays visible and says why it cannot be used.

What happens if I enter the wrong code?

The sheet tells you the code is wrong and how many attempts are left. After too many wrong codes the confirmation closes, the payment is cancelled and nothing is sent. Asking for the code again does not give you more time. Start again from the review when you are ready.

Can I move money between my own accounts?

Accounts you have told the app are yours appear first on the list, marked as your own account. The app never decides an account is yours from its IBAN. To move money between your 0pay accounts in different currencies, use Exchange instead.
How exchange works

Why is a recipient greyed out?

A new destination has to be activated before it can be paid. Until then it is listed but cannot be picked, and the row says why. The same goes for a destination paid in a currency you hold no account in: the app tells you which currency is missing.

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