Glossary
Deposit (pay-in)
A deposit, also called a pay-in, is an incoming payment: the payer pays the merchant through a card, a bank transfer, a wallet, a voucher or a crypto asset, and the amount is credited to the merchant's balance once the provider confirms it. The word comes from gaming, trading and wallets, where a payer funds an account; in e-commerce the same operation is simply a payment. The opposite direction is a payout.
The life of a deposit
The merchant creates it with an amount, a currency, a reference and the payer’s data; the platform shows the methods available for that payer and routes the chosen one to a terminal; the provider authorises or presents payment instructions; the payer completes the payment; the provider confirms by response or callback; the platform marks the deposit paid, credits the balance net of fees and notifies the merchant. Each step has a status and a timestamp.
Deposits by method
Cards complete within the session; bank transfers, vouchers and some wallets complete when the payer acts, minutes or days later, so the deposit waits in a pending state with an expiry; crypto deposits complete after enough confirmations on the chain. Timeouts, expiries and late payments are the reason the status model must be explicit.
On the platform
Tranzify’s API creates a deposit with one call for any method, the hosted checkout or the merchant’s own page completes it, the status is pushed by webhook and visible in the cabinet, and every attempt, provider answer and callback is kept in the journal and the trace.
Updated: 2026-11-08