Paying and Getting Paid with X Money

X Money orders are paid in USD with an X Money payment to the seller's X username. This guide covers what buyers and sellers need, what each X Money payment status means for an order, and what happens when a payment is still awaiting the seller.

What you need

• Buyers: an X account with X Money that can send payments, plus desktop Chrome with the PeerAuth extension or the Peer app to verify.
• Sellers: an X account with X Money that can receive payments, and Seller Autopilot connected to the inbox that gets your X Money payment emails.
• X Money orders are USD only.

Pay for an order

1. Start the order and note the amount and the seller's X username.
2. Open X Money and send exactly the order amount in one payment to that username. On web and Android, the order's link opens the X Money send form with the seller filled in. On iPhone it opens X without the recipient, so enter the username yourself. You always enter the amount yourself.
3. Double-check the username before confirming the payment.
4. Return to the order and verify the payment.

If verification fails, see Handling Verification Issues.

What each payment status means

Peer reads the payment's status in your X Money history when you verify.

X Money shows	What happens
Completed	Verify. You're paid right away.
Awaiting access to Money or Awaiting acceptance	Verify. You're paid right away if your available stake covers the order. Otherwise your USDC is held on Base for 14 days, then sent to you automatically.
Cancelled, Expired or any other status	Can't be verified. If X still shows the payment as in progress, wait until it shows one of the statuses above, then verify again.

Awaiting access to Money means the seller hasn't set up X Money yet. Awaiting acceptance means the seller still has to accept the payment.

While a payment is awaiting the seller

An awaiting payment hasn't reached the seller. They need to set up X Money or accept it. Until then, Peer protects the seller for 14 days, the same way it protects Venmo and PayPal sellers (see Stake to Take):

• With enough available stake when you verify, you're paid at once and the same amount of stake is locked for 14 days.
• Without it, your payout is held on Base for 14 days and sent to your wallet automatically when the hold ends.

If the seller never accepts, X returns the payment to you, usually within 14 days. When a payment ends Cancelled or Expired, the seller can report it before the hold ends. The seller then gets the held payout or is paid from your stake, and you keep the USD X returned.

warning

Don't cancel an X Money payment after you've verified it. The seller can report the cancelled payment and be paid from your stake or held payout.

Peer Pay checkout

Peer Pay checkout accepts only Completed X Money payments. If your payment shows as awaiting, wait for the recipient to accept it, or cancel it on X and pay again.

For sellers

• Set up X Money before you list. Peer checks that your X username exists, not that it can receive X Money. Payments to an account without X Money show as Awaiting access to Money.
• Accept awaiting payments promptly, and never reject one. You can report only a payment that ends Cancelled or Expired.
• Report a returned payment before the hold ends. If a buyer verified an awaiting payment that later shows Cancelled or Expired in your X Money history:
  1. In your deposit's Orders tab, open the order's menu and select View in Explorer.
  2. Select Report an issue, then Open X Money. This needs desktop Chrome with PeerAuth.
  3. When the app shows Cancelled or expired payment found, select Submit report and confirm the two transactions.
  4. Open Staking. The amount shows under Claimable. Select Claim USDC.

Once the hold ends, the buyer's stake or payout is released and there is nothing left to report against.

Troubleshooting

Peer says "X Money account cannot send transfers". Your X account can't send X Money payments yet. Finish setting up X Money on X, then try again.

My payment isn't listed when I verify. Make sure you're signed in to the X account that sent it, and that it's a single payment of the exact order amount sent after the order started.

My payout is held. The payment was awaiting the seller when you verified and your available stake didn't cover the order. It's sent to you automatically on the date shown on the order. See Held payouts.

Peer says it can't verify the payment's status. X Money shows the payment as Cancelled, Expired or still in progress. If it's in progress, wait until it shows Completed, Awaiting acceptance or Awaiting access to Money, then verify again. If it was cancelled or expired, send a new payment while the order is still open.