Handling Invoice Exceptions

If the flag unhandledExceptions = True the invoice becomes refundable and requires further attention due to payment anomalies. The following Invoice exceptions are possible:

• Overpayment (amount greater than requested)
• Underpayment (amount less than requested but potentially acceptable)
• Delayed payment (correct or incorrect amount sent to an expired invoice)

We do not mark invoices with an exception flag if the amount of overpayment or underpayment is very low and the refunding amount would cost more than the network fee or very close to the network fee. You can manage exceptions easier using the Show exceptions first filter in the Invoices overview. However, the number of exceptions can be decreased by managing your invoice settings.

The Invoice settings menu allows you to customize certain key aspects of your invoices to best suit your business needs. There is no one perfect setting for these parameters for every business – we recommend that you experiment with them to allow your customers some flexibility.

Expiration

Confirmo invoices have a default timeout of 15 minutes for invoices to be received in fiat currency, and 30 minutes for invoices to be received in cryptocurrency. You can also enable Automatic expiration prolonging, which extends the timeout every 5 minutes automatically, up to a maximum of 12 prolongings to make an invoice timeout after 60 minutes.

If a customer pays an expired invoice the whole amount is refundable. If instead you choose to claim the amount the invoice moves to status paid. The invoice is no longer refundable and unhandledExceptions is set to false.

If any additional payment is sent to a resolved (already refunded or credited) invoice unhandledExceptions is set to true again.

Overpayment

By default, your customer can request a refund for the overpaid portion of a payment. You can also choose to have it credited to your balance instead, along with the invoiced amount. While this may not make so much sense for businesses with fixed-price goods like retail or e-commerce, it can be very helpful for platforms such as Forex brokers or iGaming platforms, where end-users regularly top up a balance and you can simply credit the excess funds to them.

If the invoice is in the status paid only the overpayment and not the whole amount is refundable. The invoice will stay in status paid for the whole duration.

Underpayment

You can choose a threshold for when you will accept underpaid invoices (as a percentage, or a fixed amount in fiat). These payments will be credited to your balance. Otherwise the invoice never reaches the status paid and the customer should be refunded.

We recommend leaving a small percentual margin for error, such as 99.5%, and set the maximum fiat underpayment to, for example, 0.5 EUR. This will allow payments underpaid by single cents to still go through, while preventing losing considerable amounts of money when accepting a 0.5% underpayment on a large payment. Underpayments can sometimes happen due to network fees or human error.

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Confirmo invoices include fixed transaction fees because they make the entire experience much smoother. When you request only the amount and let your customer add a fee to the payment (a setting most wallets do not even allow), payments often result in being of an incorrect amount, typically an underpayment. This leads to additional work with refunds and increased costs. As cryptocurrency transaction fees grow, our fixed average fee saves both you and your client time and money.