What happens when a customer underpays a crypto invoice? Do you lose the sale? Do they need to start over? Or worse—do they give up entirely? What if a Mixed Payment option could recover that invoice instantly—with no friction, no confusion, and no support needed?
Underpaid invoices are one of the most common issues in crypto transactions. Whether it’s due to wallet fees, user mistakes, or unexpected network delays, they interrupt the payment process—and hurt your business. To address this, OxaPay includes a built-in feature called Underpaid Coverage that helps customers recover from small mistakes by completing the payment using the same coin. But what if you want to give them even more flexibility?
That’s exactly why OxaPay introduced Mixed Payment: a smarter way to let users complete underpaid invoices using another accepted cryptocurrency. Instead of restarting the entire process, they can simply pay the rest—with the coin they have available.
Let’s take a closer look at how these features work—and why Mixed Payment might be one of the most important upgrades for your crypto checkout experience.
Underpaid Coverage: The Foundation of Flexible Payments
OxaPay includes a default feature called Underpaid Coverage, which detects when a customer pays less than the invoice total. It instantly notifies the user, displays the remaining balance, and allows them to complete the payment with the same cryptocurrency—all without manual intervention.
But what if the customer no longer holds that coin? Or what if network fees or wallet issues make using the same crypto difficult?
This is where Mixed Payment comes in—offering a smarter way to complete the transaction.
Manage Crypto Payments: Handle Underpayments and Fees with OxaPay
What Is Mixed Payment?
Mixed Payment is a flexible solution for completing underpaid crypto invoices using a different accepted coin.
When a customer pays less than the invoice amount, they’re normally asked to complete it using the same cryptocurrency. But in many cases—like when they no longer hold that coin or prefer a different one—this can become a hassle.
Mixed Payment solves this by offering a simple option:
“You can pay the remaining amount using another coin you already have.”
Once activated by the merchant, Mixed Payment appears automatically when a partial payment is detected.
The customer chooses from any of the accepted coins and completes the invoice—quickly and easily.
No need for currency conversion or starting over.
It’s a practical, real-world solution for real-world payment issues.
Why Mixed Payment Matters
Crypto users often face small issues during transactions:
- They underestimate gas fees, leaving less than the full invoice amount.
- They send funds from wallets with fixed limits, like exchanges.
- They get interrupted and pay in two separate sessions.
- They prefer to use different coins, depending on wallet balance or network load.
Mixed Payment turns these “payment problems” into simple, solvable steps. It protects the sale, reduces the need for customer support, and helps businesses recover payments that would otherwise fail.
More importantly, it gives users a smoother experience. They don’t feel punished for honest mistakes—and they’re more likely to complete the payment.
How Does Mixed Payment Work?
Mixed Payment activates only when the customer has already paid part of the invoice. It’s not about choosing multiple coins from the start—it’s about rescuing the transaction if it doesn’t go as planned.
Here’s what happens:
- A customer sends part of the invoice amount—intentionally or accidentally.
- The OxaPay system detects the shortfall and labels the invoice as underpaid.
- The user sees the exact remaining balance they need to pay.
- If Mixed Payment is enabled, they’re offered a list of alternative coins they can use to complete the payment.
- They choose a coin, confirm, and send the rest.
- The system confirms both payments and automatically completes the invoice.
All this happens on the same invoice page, with no need to contact the merchant or generate a new invoice.
What If the Invoice Has Expired?
Great question—and one of the smartest parts of this feature.
If the invoice expires before the customer completes the remaining payment, the merchant can simply reactivate the same invoice from their dashboard. OxaPay keeps a record of the amount already paid.
Once reactivated:
- The user will see the original invoice,
- The system will show the unpaid balance,
- And they can still complete the payment using another coin.
This is especially helpful for customers in different time zones or dealing with slow confirmations on certain blockchains.
Who Can Use Mixed Payment?
Mixed Payment is controlled by the merchant. It is not active by default. To use it, the merchant must enable the feature from their service settings.
Once it’s turned on:
- It applies to all invoices created through that merchant’s account.
- It supports any of the coins selected as accepted in the merchant’s settings.
- Customers will automatically see the Mixed Payment option if they underpay.
You don’t need to make any code changes or complicated configurations—just activate the feature, and you’re good to go.
Real-Life Scenarios
A customer pays $40 of a $70 invoice using Ethereum, but later realizes the payment was incomplete. When they return, the invoice clearly shows: “You have paid $40. $30 remains.” Since they no longer have ETH, they choose to complete the payment using USDT—quickly and without issues. Even if the invoice had expired, the merchant could have reactivated it with one click. The customer would still see their previous payment and finalize the rest with any accepted coin. With Mixed Payment, the process stays smooth, flexible, and reliable—for both sides.
Why Mixed Payment Is Good for Business
Beyond convenience, Mixed Payment creates real business value. Here’s how:
1. Higher Payment Completion Rate
Partial payments are no longer the end of the story. Mixed Payment rescues transactions that would otherwise fail.
2. Lower Customer Support Burden
Fewer users reach out asking what to do. The system shows them the way, clearly and automatically.
3. More Crypto-Friendly Experience
Customers feel comfortable knowing they have options. It’s good UX—and that builds loyalty.
4. Marketing Value
Mixed Payment isn’t just a backend convenience—it’s a customer-facing advantage. By highlighting this feature on your website, checkout pages, or promotional content, you send a strong message:
“We accept flexible crypto payments—even if you split them across coins.”
This reassures hesitant buyers, especially those with limited balances in a single wallet. It also sets your business apart in a competitive market, showing that you understand and support real-world crypto behavior—making customers more likely to choose you over less flexible alternatives.
How to Enable It
Enabling Mixed Payment in OxaPay is simple:
- Go to your dashboard.
- Navigate to the service where you want to enable Mixed Payment—Merchant Services or Payment Link.
- Find the Mixed Payment option and toggle it on.
- Save settings. Done!
You don’t need to set up anything special. Your accepted coins will automatically be available for Mixed Payment.
Final Thoughts
Mixed Payment isn’t just a feature—it’s a smart response to how crypto users actually behave. With OxaPay crypto payment gateway, you can easily recover missed payments, reduce friction, and guide your customers to complete their transactions without restarting the process. By enabling Mixed Payment, your business adapts to real-world challenges like underpayments, wallet errors, or network delays—while boosting completion rates and delivering a smoother customer experience. One simple setting in OxaPay can turn potential losses into successful payments. Activate it today and make your crypto payments more flexible and reliable.
