Underpayment Recovery

Overview

Underpayment recovery begins after the system has confirmed an attributable payment and calculated a shortfall under the applicable quote and fee rules. Its purpose is to reach a documented final outcome without losing the original obligation or duplicating value. The appropriate path depends on amount, product reversibility, customer risk, asset, network, and operational cost.

A top-up path gives the customer the remaining amount, supported asset and network, destination or invoice reference, and a deadline. The system links additional transactions to the same invoice and recalculates the total only after confirmation. A new quote may be necessary if the first quote expired, but the pricing change must be explicit.

The merchant can instead accept the difference under its underpayment policy. That decision records the authorized shortfall and accounting treatment while leaving the issued invoice amount intact. Larger or unusual differences may require manual approval rather than automatic fulfillment.

Cancellation or refund is appropriate when the order cannot be fulfilled or the customer declines to complete payment. Refunds need a verified destination, correct asset and network, fee disclosure, approval, transaction tracking, and reconciliation. Returning funds to an address inferred from a transaction can be unsafe when custodial senders or smart contracts are involved.

Recovery records should include required amount, received transfers, shortfall, quote evidence, cause, chosen action, communications, approvals, refund or top-up identifiers, fulfillment state, and final ledger posting. Late transfers after resolution enter an exception queue instead of reopening the order silently.

Metrics such as recovery rate, time to resolution, customer abandonment, refund cost, accepted loss, and root cause help teams improve checkout instructions and adjust underpayment tolerance without hiding recurring integration problems.