Send money

What this screen does

The Payment Type step is the first stage of the Send Money flow. It lets you choose the payment route you want to use. Available payment types are shown as cards. In the current flow, International / FX transfer is active, while other payment options such as Internal transfer, Local bank transfer, Move between my accounts, Multi-recipient payment, Pay later, Split payment plan, and Payment Link / QR may be shown as coming soon. This step helps you understand which payment routes are available today and which options are planned for future release.

Expected user flow

• Choose how you want to send money on the payment type screen.
• Review payment type cards and note which routes are available today.
• International / FX transfer is active in the current flow shown in the screenshot.
• Other payment types may appear as coming soon until they are released.
• Continue after selecting the available payment type.

Select an available payment type, then continue to the amount step.

What this screen does

The Amount & Reason step confirms where the money will come from and how much will be sent. You select the source account and sub account or wallet, review the available balance, enter the payment amount, and add a payment reference. The refresh option lets you check the latest available balance before continuing. The payment amount is entered in the selected wallet’s currency. The final recipient currency or corridor may depend on the approved recipient selected in the next step. This step is important because it confirms the source of funds, the amount, and the reference that may appear in payment records or statements.

Expected user flow

• Select the from account that will fund the payment.
• Select the sub account or wallet you want to send from.
• Check the available balance and refresh if you need the latest figure.
• Enter the payment amount in the wallet currency.
• Add a payment reference or reason that may appear on records or statements.
• Continue once the source, amount, and reference are correct.

Confirm the source account, wallet, amount, and reference before continuing to recipient selection.

What this screen does

The Recipient step lets you select the person or business that will receive the payment. Only recipients that are ready for payment should appear in the payment flow. You can search saved recipients, select an existing recipient, or add a new recipient if needed. Selecting the correct recipient before review helps reduce payment mistakes. It also ensures the payment is connected to a recipient that has the required details and readiness status for the selected payment route.

Expected user flow

• Choose who will receive the payment.
• Review ready recipients shown in the list.
• Search saved recipients when you have many payees.
• Select an existing recipient when the details are already on file.
• Add a new recipient where needed before continuing.
• Confirm the correct recipient to avoid sending money to the wrong person.

Choose a payment-ready recipient, or add one where needed, before moving to review.

What this screen does

The Review Payment step gives you a complete summary before the payment is submitted. This screen should show the key payment details, including recipient information, source account, wallet or sub account, amount, reference, purpose, transfer type, foreign exchange details where applicable, fees, estimated delivery, and security notes. The payment summary card highlights the most important information, such as the amount, recipient, source account, and confirmation action. This is the final checkpoint before sending. You should carefully review the recipient, amount, source account, exchange rate, fees, delivery information, and reference before selecting Confirm securely.

Expected user flow

• Treat this as the final review before confirmation.
• Review recipient details and source account or wallet information.
• Check payment amount, reference, purpose, and transfer type where shown.
• Review FX pair, exchange rate, fee, and estimated delivery when applicable.
• Confirm securely only after you have checked all details.

Review every detail carefully, then confirm securely only when everything is correct.

What this screen does

After you review the payment details and choose to confirm securely, BinaxPay sends a verification code to your email address. This code is used at the final confirmation stage to make sure the payment is being approved by the account holder before the transaction is submitted. The email shows the verification code, the expiry time, and the payment details connected to the transaction—including amount, recipient, source account, source wallet, reference, payment purpose, date and time, sent amount, recipient amount, exchange rate, and payment reference where available—so you can confirm the code belongs to the exact payment you just reviewed. You should only enter this code inside the authenticated BinaxPay app. If you did not request the payment, do not enter the code and contact support. Treat verification codes as sensitive authentication information and do not share them by email, phone, chat, or with anyone claiming to be support.

Expected user flow

• Review payment details on the Review payment step.
• Choose Confirm securely to start final approval.
• Receive the verification code by email.
• Compare the payment details in the email with what you reviewed in the app.
• Enter the code only inside the authenticated BinaxPay app.
• Complete the transaction once the code is accepted.

Review payment details → Confirm securely → Receive verification code by email → Check the payment details in the email → Enter the code in BinaxPay → Complete the transaction

What this screen does

The Payment Complete screen confirms that the payment has been submitted or completed. The confirmation view shows the payment status, amount, recipient, source account, source wallet, reference, payment purpose, date and time, exchange rate, fee, and payment reference where available. The screen also provides practical next actions, such as downloading a receipt, emailing a receipt, viewing payment details, or making another payment. This gives you a clear finish point and helps you keep a record of the transaction after the payment has been sent.

Expected user flow

• The payment has been completed or submitted successfully.
• Review status, amount, recipient, source account, and wallet details.
• Check reference, purpose, date and time, exchange rate, fee, and payment reference where shown.
• Download a receipt or email a receipt for your records.
• View payment details or make another payment when you are ready.

Save or share receipt details, then return to payments or history as needed.

What this screen does

After the payment has been confirmed and submitted, BinaxPay sends you a transaction confirmation email. This email lets you know that BinaxPay has received the payment instruction and provides a clear summary of the transaction details for review, including transaction status, amount, recipient, source account, source wallet, payment reference, payment purpose, submitted time, sent amount, recipient amount, exchange rate, and payment reference where available. It is useful as an immediate confirmation after the payment action is completed, even before you return to the app or open Payment History. The support contact area gives you a clear route to contact BinaxPay if something looks wrong. The security notice reminds you to act quickly if you did not authorise the payment—do not share passwords, account details, verification codes, or sensitive information through email or chat.

Expected user flow

• Confirm the payment securely in BinaxPay.
• The payment instruction is submitted.
• Receive the transaction submitted email in your inbox.
• Review status, amounts, recipient, and reference details in the email.
• Keep the email for your records if everything looks correct.
• Contact support immediately if you did not authorise the payment.

Confirm payment securely → Payment is submitted → Receive transaction submitted email → Review transaction details → Keep the email for records → Contact support immediately if the payment was not authorised

What this screen does

After the payment is completed, you can choose to receive the payment receipt by email. This gives you a copy of the completed transaction in your inbox, which can be useful for personal records, accounting, support follow-up, or later review. The email receipt confirms that the payment instruction has been processed by BinaxPay and shows completed status, payment amount, receipt number, generated date and time, payment type, sender details, recipient details, processing information, and fee or exchange information where available. The receipt should match the completed payment shown inside the BinaxPay app and in Payment History.

Expected user flow

• Complete the payment in BinaxPay.
• Choose the email receipt option where available.
• Receive the receipt in your inbox.
• Review completed payment details in the email.
• Keep the email for personal records or support follow-up.

Complete payment → Choose Email receipt → Receive receipt by email → Review completed payment details → Keep the email for records