Docs / Web2 System / Getting Started / Merso Flow

🔄 Merso Flow

Understand the complete payment flow from user initiation to transaction confirmation.

📋 Overview

The Merso Flow describes the end-to-end journey of a Web2 payment transaction through our system. Understanding this flow is essential for implementing a seamless user experience.

🔄 Transaction Flow

1
User Selects
Choose item & payment
→
2
API Request
Create payment intent
→
3
Stripe Payment
Confirm with Stripe
→
4
Confirmation
Deliver item

📝 Detailed Steps

1

User Selection

The user selects an item and chooses their preferred payment method (credit card, digital wallet) and payment mode (upfront or PNPL).

2

Payment Intent Creation

Your backend sends a request to Merso API (/merso-buy-item) with transaction details. The API validates the request, creates the player if needed, and returns a Stripe payment intent with a clientSecret.

3

Payment Processing

The user completes payment through Stripe Elements using the clientSecret. For PNPL, the first installment (50%) is charged immediately; for Upfront, the full amount is charged.

4

Confirmation & Delivery

Once Stripe confirms the payment, your frontend receives the success response directly. You can then deliver the item to the user immediately — no webhook required.

🏢 Companies' Point of View

Once the Merso protocol is fully integrated, companies benefit from a streamlined payment infrastructure that supports both Play Now, Pay Later (PNPL) and Upfront purchases, with minimal operational overhead.

Payment Process

  • ✓
    When a player purchases an item using the Merso payment system, the payment is processed instantly via the Merso payment gateway.
  • ✓
    The company receives 100% of the item price immediately, with no risk of defaults or delayed settlements.

User Experience

  • ✓
    Players can immediately use the purchased item in the game with full functionality, just like a regular in-game purchase.
  • ✓
    The payment flow is seamless, requiring no additional approvals or blockchain interactions, and resembles the standard checkout experience familiar to Web2 users.

Company Benefits

  • ✓
    Immediate Payment
    Full payment received upfront.
  • ✓
    No Risk
    No exposure to payment defaults.
  • ✓
    Seamless Integration
    No additional operational requirements.
  • ✓
    Enhanced Sales
    Access to users who prefer card payments.
  • ✓
    User Retention
    Improved user experience with flexible payment options.