Activated Wallet users and Non-Activated Wallet users are allowed to use this feature.
The Buyer is defined as the user initiating the transaction; the Vendor is defined as the payment recipient.

Navigate to the “Pay To” tab in the CargoWALLET navigation bar.

In this scenario, the vendor already has an account. Payments can be processed immediately, with funds directly transferred to the beneficiary.
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Step 1: Fill Out Transaction Details
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Enter all required fields, such as amount and currency.

Double-check to ensure accuracy.

Files Upload field

If Amount < 5k USD, then the field is optional.
If Amount ≥ 5k USD, then the field is mandatory.
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When all the mandatory information has been provided, the next step button becomes clickable.
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​Step 2: Select the Beneficiary
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Type the vendor’s email address or choose the company name from your saved contacts.
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​NOTE:
​If the email address is linked to a wallet-activated user, then it displays all the wallets that the user has access to for you to choose the one you would like to pay to.
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In the All Contacts section, all the “Public” wallets are displayed.
If a wallet is in private mode, it will not be displayed within this card.
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Here is where you can adjust your WALLET PRIVACY from the settings to suit your preferences
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Step 3: Choose a Payment Method
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Select from Your Prepaid Balance , Credit/Debit Card, Local Bank Transfers & international Bank Transfers.
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NOTE:
​By default, the prepaid payment method is selected.

By default, the same currency chosen in step 1 above is selected.
If there are not enough funds in this currency (the selected currency), then the currency with the largest balance (real value, not absolute value) is selected.
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Step 4: Confirm Payment
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Review the transaction summary for accuracy.
Click “Confirm Payment” to complete the transaction.

A confirmation email will be sent to the buyer with the vendor copied.
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The Buyer: Wallet Activated
The vendor : Wallet Not Active; using Email Address
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​Step 1: Fill Out Transaction Details
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Enter the transaction amount, currency, and other mandatory fields.
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​Step 2: Add the Vendor
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Input the vendor’s email address (as they don’t yet have an account).

​Step 3: Select a Payment Method
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Select from Your Prepaid Balance , Credit/Debit Card, Local Bank Transfers & international Bank Transfers.
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NOTE:
​By default, the prepaid payment method is selected.

By default, the same currency chosen in step 1 above is selected.
If there are not enough funds in this currency (the selected currency), then the currency with the largest balance (real value, not absolute value) is selected.
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Step 4: Confirm Payment
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Review the transaction summary for accuracy.
Click “Confirm Payment” to complete the transaction.

When the payment is confirmed, a mail is sent out to the buyer (with the vendor on CC).
The vendor will be prompted to register and activate their wallet to access the funds.

Buyer : Non-Wallet-Activated User

Vendor : Company Name, Email Address
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The buyer will have access to payment cards and payment methods only.

​Step 1: Fill Out Transaction Details

Enter the transaction amount, currency, and other mandatory fields.
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Step 2: Select the Vendor
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Choose the vendor’s email or company name from your contact list.

Step 3: Choose Payment Method
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Select Credit/Debit Card (the only available option for non-wallet users).
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Step 4: Confirm Payment
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Review the summary and click “Confirm Payment.”
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A confirmation email is sent to the Buyer, with the Vendor copied.
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The vendor will have to register on the app, activate his wallet, and then he will have access to the funds instantly.

For further assistance, reach out to the support team via support+wallet@cargoai.co
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We hope you find this article useful!