# Use cases

This chapter describes the business functions that can be performed by having a company balance in the Verestro system and using Payout via xPay card token. We also present end user default views presented during using the application.

<span style="color: rgb(28, 30, 63); font-family: var(--font-heading, var(--font-body)); font-size: 2.8275em; font-weight: 400;">Know your business</span>

The first step to starting integration is to complete the KYB process. This process is required to identify and verify business clients. Automatic registration process ensures that all the information and documents provided by the clients gone properly through AML verification. Business client registration process may take around 10-15 minutes. [At this link you can find out what exactly the KYB process is and what it looks like](https://developer.verestro.com/books/know-your-business-kyb). KYB in Verestro is performed with the help of an external verification provider - Mobiltek.

<p class="callout info">**Note:** AML (Anti-Money Laundering) is a set of policies, procedures, and technologies that prevents money laundering.</p>

## Customer balance management

Description of methods in Antaca service to create and manage the balance.

<table border="1" cellpadding="1" cellspacing="0" id="bkmrk-method-description-c" style="width: 924px; height: 66.7358px;" width="708"><tbody><tr style="height: 35.4972px;" valign="TOP"><td bgcolor="#002060" style="width: 237.547px; height: 35.4972px;" width="129"><span style="font-family: Lato; color: #ecf0f1;">**Method**</span>

</td><td bgcolor="#002060" style="width: 601.453px; height: 35.4972px;" width="573">**<span style="font-family: Lato; color: #ecf0f1;">Description</span>**

</td></tr><tr style="height: 31.2386px;" valign="TOP"><td style="width: 237.547px; height: 31.2386px;" width="129">[<span style="font-family: Lato;">Create balance</span>](https://developer.verestro.com/books/money-transfer-via-card/page/use-cases#bkmrk-credit-balance)

</td><td style="width: 601.453px; height: 31.2386px;" width="573">Method that allows you to create a balance for your company.

</td></tr><tr><td style="width: 237.547px;">[<span style="font-family: Lato;">Credit balance</span>](https://developer.verestro.com/books/money-transfer-via-card/page/use-cases#bkmrk-credit-balance)

</td><td style="width: 601.453px;">Method that allows you to top up the created balance.

</td></tr><tr><td style="width: 237.547px;">[<span style="font-family: Lato;">Debit balance</span>](https://developer.verestro.com/books/money-transfer-via-card/page/use-cases#bkmrk-debit-balance)

</td><td style="width: 601.453px;">Method that allows you to debit the created balance.

</td></tr></tbody></table>

<p class="callout info">**Note:** The balance for your corporation is created during its registration in our system.  
You can create end-user balances from the Administration Panel created for your corporation or use the [<span style="font-family: Lato;">Create balance</span>](https://developer.verestro.com/books/money-transfer-via-card/page/use-cases#bkmrk-credit-balance) method mentioned above.</p>

## Initialize payment link

The card top-up process begins when the payment link is initialized. As a customer, you must provide transaction metadata such as the currency in which the payout will be made and the amount you want to top up the recipient's card. After confirming the data you have entered, a link is generated that you can send to the recipient.

<details id="bkmrk-uml-presenting-initi"><summary>UML presenting initialize payment link step by step</summary>

@startuml  
skinparam ParticipantPadding 30  
skinparam BoxPadding 30  
skinparam noteFontColor #FFFFFF  
skinparam noteBackgroundColor #1C1E3F  
skinparam noteBorderColor #1C1E3F  
skinparam noteBorderThickness 1  
skinparam sequence {  
ArrowColor #1C1E3F  
ArrowFontColor #1C1E3F  
ActorBorderColor #1C1E3F  
ActorBackgroundColor #FFFFFF  
ActorFontStyle bold  
ParticipantBorderColor #1C1E3F  
ParticipantBackgroundColor #1C1E3F  
ParticipantFontColor #FFFFFF  
ParticipantFontStyle bold  
LifeLineBackgroundColor #1C1E3F  
LifeLineBorderColor #1C1E3F  
}  
participant "Money Receiver" as user  
participant "Customer" as cust  
participant "Orovera" as oro  
note right of cust: Customer has a balance in Antaca Verestro  
cust-&gt;oro: Initialize payment link (provide transaction metadata)  
oro-&gt;cust: Return generated payment link  
cust-&gt;user: Send generated payment link  
user-&gt;oro: Choose xPay card  
@enduml

</details><table border="1" id="bkmrk-1.-provide-transacti" style="border-collapse: collapse; width: 100%; border-width: 1px; border-style: hidden; height: 378.764px;"><colgroup><col style="width: 50%;"></col><col style="width: 50%;"></col></colgroup><tbody><tr style="height: 349.517px;"><td style="height: 349.517px;">[![1_partner_app_sender_view.png](https://developer.verestro.com/uploads/images/gallery/2024-12/scaled-1680-/1-partner-app-sender-view.png)](https://developer.verestro.com/uploads/images/gallery/2024-12/1-partner-app-sender-view.png)

</td><td style="height: 349.517px;">[![2_partner_app_sender_view.png](https://developer.verestro.com/uploads/images/gallery/2024-12/scaled-1680-/2-partner-app-sender-view.png)](https://developer.verestro.com/uploads/images/gallery/2024-12/2-partner-app-sender-view.png)

<span id="bkmrk--1" style="font-weight: normal;"></span>  
</td></tr><tr style="height: 29.2472px;"><td class="align-right" style="height: 29.2472px;">1. Sender provides transaction metadata and order payment link (this step takes place in Customer's application).</td><td class="align-left" style="height: 29.2472px;">2. Sender gets payment link and sends it to the recipient (this step takes place in Customer's application).</td></tr></tbody></table>

## Top-up card by xPay card token

The recipient receives the link you sent. It is valid for a specified period of time - you can choose the link's lifetime yourself and provide us this information during the onboarding process. After opening the link, a payment template with transaction data is displayed to the recipient. Basicly, the recipient will see how much money they will receive and in what currency.

[![image-1685428002241.png](https://developer.verestro.com/uploads/images/gallery/2023-05/scaled-1680-/image-1685428002241.png)](https://developer.verestro.com/uploads/images/gallery/2023-05/image-1685428002241.png)

[![image-1699524383207.png](https://developer.verestro.com/uploads/images/gallery/2023-11/scaled-1680-/image-1699524383207.png)](https://developer.verestro.com/uploads/images/gallery/2023-11/image-1699524383207.png)

However, to receive the money, the recipient must select the card to which the funds should to be transferred. Depending on the browser the recipient uses, the template will display the option to use the Google Pay wallet (for most browsers) or the Apple Pay wallet (for the Safari browser). From the mentioned xPay wallet, the selected card will be topped up with the funds you declared step before. After making a Payout to the selected card from the xPay wallet, your company's balance is debited for this amount.

<details id="bkmrk-uml-presenting-initi-1"><summary>UML presenting top up card from xPay step by step</summary>

@startuml  
skinparam ParticipantPadding 30  
skinparam BoxPadding 30  
skinparam noteFontColor #FFFFFF  
skinparam noteBackgroundColor #1C1E3F  
skinparam noteBorderColor #1C1E3F  
skinparam noteBorderThickness 1  
skinparam sequence {  
ArrowColor #1C1E3F  
ArrowFontColor #1C1E3F  
ActorBorderColor #1C1E3F  
ActorBackgroundColor #FFFFFF  
ActorFontStyle bold  
ParticipantBorderColor #1C1E3F  
ParticipantBackgroundColor #1C1E3F  
ParticipantFontColor #FFFFFF  
ParticipantFontStyle bold  
LifeLineBackgroundColor #1C1E3F  
LifeLineBorderColor #1C1E3F  
}  
participant "Money Receiver" as user  
participant "Orovera" as oro  
participant "Verestro xPay connector" as payt  
participant "Antaca API" as ant  
participant "Google/Apple Pay" as xpay  
participant "Acquirer" as acq  
user-&gt;user: Open payment link  
note right of user: Link redirects Money Receiver to the web browser  
user-&gt;oro: Choose xPay card  
oro-&gt;payt: Get xPay card token  
payt-&gt;xpay: Get xPay card token  
xpay-&gt;payt: Return xPay card token  
payt-&gt;oro: Return xPay card token  
oro-&gt;ant: Debit Customer balance (declared transaction amount)  
oro-&gt;acq: Payout to card  
acq-&gt;user: Top up card from xPay card token  
@enduml

</details><table border="1" id="bkmrk-3.-recipient-gets-me" style="border-collapse: collapse; width: 100%; border-width: 1px; border-style: hidden; height: 378.764px;"><colgroup><col style="width: 50%;"></col><col style="width: 50%;"></col></colgroup><tbody><tr style="height: 349.517px;"><td>[![3_receiver_phone_msg_from_sender.png](https://developer.verestro.com/uploads/images/gallery/2024-12/scaled-1680-/3-receiver-phone-msg-from-sender.png)](https://developer.verestro.com/uploads/images/gallery/2024-12/3-receiver-phone-msg-from-sender.png)

</td><td style="height: 349.517px;">  
[![4_xpay_app_receiver_view.png](https://developer.verestro.com/uploads/images/gallery/2024-12/scaled-1680-/4-xpay-app-receiver-view.png)](https://developer.verestro.com/uploads/images/gallery/2024-12/4-xpay-app-receiver-view.png)

</td></tr><tr style="height: 29.2472px;"><td class="align-right">3. Recipient gets message with payment link from the Sender. Recipient clicks that link.</td><td class="align-left" style="height: 29.2472px;">4. Recipient is redirected to Payout to xPay view (this step takes place in Verestro Payout to xPay application).</td></tr></tbody></table>

### Get xPay card token

The xPay card token is returned automatically from xPay wallet after the recipient selects the proper card. Verestro is a registered Payment Service Provider in Google Pay and Apple Pay, which frees you from the need to integrate with these entities. We call one of the xPays asking for a card token of the card that recipient choosed.


<table border="1" id="bkmrk-5.-recipient-chooses" style="border-collapse: collapse; width: 100%;"><colgroup><col style="width: 33.3333%;"></col><col style="width: 33.3333%;"></col><col style="width: 33.3333%;"></col></colgroup><tbody><tr><td>[![5_xpay_app_apple_wallet_opened_receiver_view.png](https://developer.verestro.com/uploads/images/gallery/2024-12/scaled-1680-/GP55-xpay-app-apple-wallet-opened-receiver-view.png)](https://developer.verestro.com/uploads/images/gallery/2024-12/GP55-xpay-app-apple-wallet-opened-receiver-view.png)

</td><td>[![5_1_xpay_app_apple_wallet_opened_receiver_view.png](https://developer.verestro.com/uploads/images/gallery/2024-12/scaled-1680-/Btt5-1-xpay-app-apple-wallet-opened-receiver-view.png)](https://developer.verestro.com/uploads/images/gallery/2024-12/Btt5-1-xpay-app-apple-wallet-opened-receiver-view.png)

</td><td>[![6_xpay_success_topup_receiver_view.png](https://developer.verestro.com/uploads/images/gallery/2024-12/scaled-1680-/6-xpay-success-topup-receiver-view.png)](https://developer.verestro.com/uploads/images/gallery/2024-12/6-xpay-success-topup-receiver-view.png)

</td></tr><tr><td class="align-right">5. Recipient chooses to get money on card from xPay wallet (at this step Verestro Payout to xPay opens xPay wallet).</td><td class="align-center">6. Recipient chooses proper card from xPay wallet (at this step xPay wallet returns card token to Verestro Payout to xPay).</td><td class="align-left">7. Payout to xPay application tops up Receiver's card (this step takes place in Verestro Payout to xPay application).</td></tr></tbody></table>

<p class="callout success">**Tip:** After the transaction is completed, a notification will be sent to you informing you of the completion of the transaction and whether it was a success or failure.</p>