Docs / Web3 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 payment transaction through our system. Understanding this flow is essential for implementing a seamless user experience.

🔄 Transaction Flow

1
User Initiates
Select item & payment
→
2
API Request
Backend validation
→
3
Wallet Approval
Sign transaction
→
4
On-Chain
Execute & confirm
→
5
Webhook
Notify your server

📝 Detailed Steps

1

User Initiates Purchase

The user selects an item or NFT and chooses their preferred payment method (crypto or fiat) and payment mode (upfront or PNPL).

2

API Request & Validation

Your backend sends a request to Merso API with transaction details. We validate the request, check inventory, and prepare the transaction.

3

Wallet Approval

For crypto payments, the user approves the transaction in their wallet (MetaMask, Phantom, etc.). For fiat, they complete card payment via Stripe.

4

On-Chain Execution

The transaction is submitted to the blockchain and confirmed. For PNPL, the smart contract records the payment schedule.

5

Webhook Notification

Once confirmed, Merso sends a webhook to your server with transaction details. You can then deliver the item to the user.

💡 Pro Tip

Use our Modal iframe component for the smoothest user experience. It handles wallet connection, payment selection, and transaction signing in a pre-built UI.

🏢 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 NFT purchases, with minimal operational overhead.

Payment Process

📅 PNPL Purchases

When a player purchases an NFT using PNPL, the company immediately receives 100% of the NFT price from the Merso protocol. There are no payment delays or risks related to installment collection.

⚡ Upfront Purchases

When a player purchases an NFT via upfront payment, the company receives the full payment instantly, following a standard NFT purchase flow.

User Experience

📅 PNPL Flow

Players can immediately use the wrapped NFT (wNFT) in-game with full functionality. Once all installments are completed, ownership is seamlessly transferred to the original NFT without any gameplay interruption.

⚡ Upfront Flow

Players receive and use the original NFT instantly, with no wrapping or transition required.

Company Benefits

  • ✓
    Immediate Payment
    Full payment received upfront for both PNPL and Upfront purchases.
  • ✓
    No Risk
    No exposure to payment defaults.
  • ✓
    Seamless Integration
    Minimal operational requirements after integration.
  • ✓
    Enhanced Sales
    Access to users who prefer flexible PNPL options while still supporting traditional purchases.
  • ✓
    User Retention
    Improved user experience with flexible payment options.

Technical Requirements

📝 Smart Contract Requirement

The company's smart contracts must accept the Merso wNFT collection alongside the original NFT collection, allowing players to use either asset interchangeably during gameplay. This requirement applies only to PNPL purchases; Upfront purchases continue to use the original NFT collection exclusively.

👤 Players' Point of View

Option A: Play Now, Pay Later (PNPL)

1

Marketplace Purchase

The user purchases an NFT from the Game Marketplace using our PNPL protocol.

2

Required Transactions

The user executes two on-chain transactions:

  • →
    Approves the Merso protocol to manage the required in-game tokens.
  • →
    Completes the PNPL purchase transaction through the protocol.
3

Payment Structure

The user pays 50% of the total NFT price in tokens while our protocol covers the remaining 50%. The outstanding balance is then repaid by the user in weekly installments.

4

Payment Monitoring

The system checks the user's token balance daily. If the user has insufficient tokens, they receive an email notification and the system attempts payment processing the following day. If the user lacks tokens for 5 consecutive days, their wNFT is burned.

5

Payment Completion

Once all installments are successfully completed, the user receives full ownership of the original NFT. During the installment period, the NFT cannot be transferred. Ownership transition occurs seamlessly after the final payment.

6

Failed Payment

⚠️ Important

If payment fails after 5 consecutive days, the protocol burns the wNFT and the user loses access to it permanently.

Option B: Upfront Payment

1

Marketplace Purchase

The user purchases the NFT from the game marketplace using full upfront payment.

2

Required Transactions

The user executes two on-chain transactions:

  • →
    Approves the Merso protocol to manage the required in-game tokens.
  • →
    Completes the purchase transaction through the protocol.
3

Ownership and Usage

The user immediately receives and fully owns the original NFT, with no restrictions on transfer, resale, or staking.

⚠️ Disclaimer

wNFT's only restriction is resale, transfer and staking features, during the installment collection period.