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Step 4: Monitor the payment

After accepting the payment and sharing the link with your customer, you need to monitor its progress. Poll the payment status endpoint every 10–30 seconds to track the payment through its lifecycle.

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Make the request

Use include=link to include the payment link in the response, which is useful if you need to reshare it with your customer. 
curl -i -X GET \
  'https://api-sandbox.equalsmoney.com/stablecoins/payments/{paymentId}?accountId={accountId}&include=link' \
  -H 'Authorization: ApiKey {apiKey}'

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Payment status lifecycle

As the payment progresses, the status field will change:
StatusMeaning
PENDINGPayment created and accepted, waiting for the remitter to send USDC
PROCESSINGUSDC transfer has been detected on the blockchain and is being processed
COMPLETEPayment successfully processed — funds have been credited to your budget
CANCELLEDPayment processing was cancelled
EXPIREDThe remitter didn’t complete the transfer before the payment expired

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Expected response (completed)

When the payment has been successfully processed, you’ll see status: "COMPLETE":
200 OK
{
  "id": "e9293471-5eb3-4dbc-916c-dbaf9e2deefd",
  "accountId": "F50091",
  "budgetId": "775596ae-2624-40af-a9dc-9756110a4a03",
  "status": "COMPLETE",
  "remitterId": "a1111111-2222-3333-4444-555555555555",
  "amount": 100,
  "displayName": "Invoice #12345",
  "sourceCurrencyCode": "USDC",
  "destinationCurrencyCode": "USD",
  "returnUrl": "https://www.example.com/payment-complete",
  "link": {
    "url": "https://pay.sandbox.example.com/channel?uuid=9d1f67f2-a647-404b-9b02-247c77be81d0",
    "chains": [
      {
        "protocol": "ETH",
        "address": "0x0000000000000000000000000000000000000000"
      }
    ]
  },
  "expiresAt": "2025-01-30T10:00:00.000Z",
  "createdBy": "John Smith",
  "createdAt": "2025-01-30T09:00:00Z",
  "updatedAt": "2025-01-30T09:00:00Z"
}
Once the status is COMPLETE, the converted USD funds are available in your budget.
If a payment expires or fails, you’ll need to create a new payment and accept it again. See Manage stablecoin inbound payments for more details.