{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":[]},"type":"markdown"},"seo":{"title":"LRS integration FAQ","siteUrl":"https://docs.glomo.one","llmstxt":{"title":"Glomo developer documentation","description":"Cross-border payments APIs, organised by product. Each product section carries both the explanation of its objects and the job-shaped integration guides that set them up.","details":{"content":"How to use these docs:\n\n- Get started is the front door. It has one section per integration\n  (what you're building), each with the API calls in order and the guide that builds it, plus\n  how to get API keys.\n- The product sections - Payin, Payout, Multi-currency accounts,\n  Verification, Request for Information (RFI) - each hold two kinds of page.\n  Pages titled as a noun (\"Subscriptions\", \"Bank Transfer\") explain what\n  an object is. Pages titled as a job (\"Set up recurring subscriptions\",\n  \"Collect LRS remittances from India\") are complete integration flows\n  and live one level under the object they set up. Match a user's goal\n  against the job-shaped titles first.\n- Reports and Identity and Access Management are the two subjects with no\n  API counterpart. There are no endpoints for reports, users, roles or\n  invites; both pages document the merchant dashboard. A dashboard\n  procedure for something the API also does (a refund, a payout) is NOT\n  here - it stays in the product that owns it.\n- API reference is generated from OpenAPI and carries endpoint detail.\n- The OpenAPI description itself is published as a single self-contained\n  document at /openapi.yaml, and the same document as JSON at\n  /openapi.json. Every $ref is resolved into it, so one fetch is the\n  whole contract: 61 paths, 81 operations, 68 schemas - the same\n  endpoints the API reference pages render. Fetch that instead of\n  reading the 129 pages under /api-reference/.\n- Every page below, in full, is one document at /llms-full.txt. Fetch that\n  instead of the pages one by one. It leaves out the API reference;\n  /openapi.yaml is that.\n- Developer resources covers what every integration touches and no single\n  product owns: auth, errors, pagination, rate limits, webhooks,\n  versioning, supported countries, quotes, the MCP server for AI\n  agents, and the client SDKs.\n"},"sections":[{"title":"Get started","description":"The front door. The ordered API calls for each integration and the guide that delivers it, how to obtain API keys, and the platform glossary.","includeFiles":["**/get-started/**"]},{"title":"Payin","description":"Collecting money: customers, orders, checkout, payment links, payment methods (cards, bank transfer, pay via bank), refunds, disputes, purpose codes, fee models, custom fields, subscriptions, and resident India remittance under LRS. Includes the flows that set each up - bank transfers, subscriptions, LRS remittances, and server-to-server card payments.","includeFiles":["**/payin/**"]},{"title":"Payout","description":"Sending money: the payout life cycle, queued payouts, creating and cancelling a payout, rails, beneficiaries, purpose codes, and the action required state. Includes the flow that sends a payout over the API.","includeFiles":["**/payout/**"]},{"title":"Multi-currency accounts","description":"Holding money: balances, balance conversion, adding balance, and withdrawing balance.","includeFiles":["**/multi-currency-account/**"]},{"title":"Verification","description":"Proving who someone is and that an account is theirs: KYC, bank account validation, and third-party verification (TPV) with the flow that verifies a payer's bank account.","includeFiles":["**/verification/**"]},{"title":"Request for Information (RFI)","description":"Responding to a compliance request for information, per object - payment link, order, payment, payout - plus compliance reviews and RFIs raised on already-successful payments.","includeFiles":["**/request-for-information/**"]},{"title":"Nivo (Capital markets)","description":"Nivo, Glomo's capital markets suite (Nivo for AMCs, Nivo for Distributors, and overseas investing for brokers and wealth platforms). Mutual fund investments run as payment sessions: the fund, distributor, scheme, plan, ARN and folio roles; the distributor's relationship with a fund and what it fixes; and the flow that opens a session as a distributor.","includeFiles":["**/capital-markets/**"]},{"title":"Reports","description":"The downloadable and scheduled reports a merchant pulls from the dashboard for reconciliation, compliance and treasury: payment, subscription, settlement breakup, balance statement and KYC reports, plus scheduling one for recurring email delivery and customizing the fields and column order of a report. Dashboard only - there is no reports API.","includeFiles":["**/reports/**"]},{"title":"Identity and Access Management","description":"Administering who can use a merchant account: one set of credentials across multiple MIDs, switching between them without logging out, the Admin / Member / Sales Partner roles and what each may see and do, and inviting a new member. Dashboard only - there is no users, roles or invites API.","includeFiles":["**/access-management/**"]},{"title":"Settlement holidays","description":"The settlement holiday calendar for 2026 - the Indian and US bank and FX holidays on which payin, payout and settlement to the merchant's bank account may be delayed.","includeFiles":["**/settlement-holidays/**"]},{"title":"API reference","description":"Endpoint reference generated from the Glomo OpenAPI description.","includeFiles":["**/api-reference/**"]},{"title":"Developer resources","description":"What every integration touches and no single product owns: auth, errors, pagination, rate limits, webhooks, versioning, API validations, security, supported countries, quotes, connecting an AI agent to the Glomo MCP server, and the client SDKs - React Native, Flutter, Android and the Unified Web SDK, with per-version references and changelogs. Reports and Identity and Access Management used to be listed here and are now their own sections.","includeFiles":["**/platform/**"]}]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"lrs-integration-faq","__idx":0},"children":["LRS integration FAQ"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["What are the bank cut-off timings for LRS remittances?"]}]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Bank"},"children":["Bank"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Start"},"children":["Start"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Cut-off"},"children":["Cut-off"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["HDFC"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["9:30 AM"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["2:30 PM"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["IDFC"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["9:30 AM"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["2:30 PM"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["ICICI"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["9:30 AM"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["5:30 PM"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Axis"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["9:30 AM"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["5:30 PM"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Kotak"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["9:30 AM"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["2:30 PM"]}]}]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["All times are IST, Monday–Friday. Orders placed after the cut-off, or on weekends/bank holidays, are queued for processing on the next working day."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["These windows are as informed by the respective banks. Actual processing may drift from this schedule, particularly during high-volume periods or when a bank is facing operational issues."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Will Glomo ask the customer for bank details at checkout?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Only if the order was created without a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["bank_account_id"]},". If a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["bank_account_id"]}," is passed when creating the order, Glomo prefills and displays those bank details to the customer for confirmation (not editable). If it is omitted, Glomo collects the bank details from the customer during checkout. See ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/payin/resident-india-remittance-under-lrs#collection-of-bank-account-information"},"children":["Collection of bank account information"]}," for details."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Does the Create a quote API return Glomo's rate or the bank's rate?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["fx_rate"]}," returned by the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/payin/resident-india-remittance-under-lrs/set-up#create-a-quote"},"children":["Create a quote"]}," API is based on the partner bank's rate at the time of the call. Glomo adds no markup of its own; the partner bank's FX markup applies. Note that ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["quote_id"]}," is valid for only 30 minutes — the rate and final INR debit (incl. GST & TCS) are confirmed by the bank at the time the payment is actually processed, and can vary from the indicative quote."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["How often do FX rates get updated?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Refresh frequency depends on the bank:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["ICICI, IDFC, Axis: twice a day, around 9:30 AM and 5:00 PM IST."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["HDFC, Kotak: roughly every 3 hours."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Given ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["quote_id"]}," expires in 30 minutes, fetch a fresh quote close to the time of payment rather than reusing an older one."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Who calculates and collects TCS (Tax Collected at Source)?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["TCS is calculated, applied, and managed independently by the remitting bank, in accordance with applicable RBI/tax regulations. Glomo does not compute or collect TCS, since Glomo does not have visibility into the customer's cumulative LRS remittances across other sources."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Are there any processing fees or FX markups added by Glomo?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["No processing fee is charged by the bank on these transactions. GST is applicable on the FX component. Glomo adds no FX markup of its own; the exchange rate shown to the customer is the rate provided by the partner bank, and the bank's FX markup applies."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Why is a customer asked to wait when retrying a payment on the same order?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When a payment attempt is made on an order, a payment ID is created. The outcome of the attempt isn't known immediately (e.g. while the bank, such as ICICI, is processing it), so Glomo waits for a set window, configured per bank, before marking that payment ID as failed if no confirmation is received."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If a customer reopens the same order while a prior attempt's payment ID is still active, they are prompted to wait until that window elapses."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Recommendation:"]}," instead of making the customer wait, create a fresh order and have the customer pay against it. A new order has no prior payment attempt, so it carries no waiting period."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["When does an LRS order expire?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["An LRS order expires when its quote expires; a payment attempt does not extend it. A quote is valid for a set window, normally 30 minutes; the quote's ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["expires_at"]}," gives the exact time. The order's ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["expires_at"]}," is set to the same value, and after that, payment creation fails."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The order's ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["status"]}," may not show ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["expired"]}," straight away. It usually updates within about 5 minutes, and not until any open payment attempt on the order has resolved; an attempt already under way can still complete the order. Use the quote's ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["expires_at"]},", not the order's ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["status"]},", to decide whether the customer can start a new payment."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["How is the SWIFT reference number generated and mapped to a transaction?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Glomo does not generate a SWIFT reference number. Every partner bank provides its own unique ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment_id"]},"/transaction reference, which Glomo uses for tracking."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Can a transaction that has been marked successful subsequently be reversed? How are reversals or chargebacks handled?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A transaction is marked successful only after clear funds are sighted by Glomo in its PSP escrow account. In the rare event a bank initiates a reversal for an erroneous credit, Glomo shares the status on a case-by-case basis."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["What is the typical turnaround time (TAT) for funds to be credited to the GIFT City account after a transaction is initiated?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["TAT varies by bank and its processing cut-offs. Credits to Glomo's GIFT City account are generally observed between T+0 and T+2. These credits are reconciled thrice every working day against each transaction, after which funds are marked available in the client's payment account (enabling buying power on their end). Funds themselves are bulk-settled once daily in a rolling manner."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Are there any charges applicable during the transaction lifecycle, and how are they communicated?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["On the charges shown to the investor: the indicative FX rate (fetched via the bank API), the bank's convenience/transaction fee, and the applicable GST are all displayed on the Glomo Checkout."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["At what intervals are funds settled and credited to the GIFT City account for pay-in transactions?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Earmarked settlements for pay-in transactions are processed to the identified bank account every working day between 11 AM and 12 PM IST. This can be routed either to the client's GAP physical bank account or directly to a US broker, as per the client's choice."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["What report formats are available for pay-in and payout reconciliation (MIS/statements)?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Payment reports, settlement reports, and bank statements are all provided in CSV format, downloadable via the Glomo Dashboard."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Is there a unique transaction identifier to reconcile transactions across reports, APIs, bank statements, and settlement files?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Yes — the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment_id"]}," is passed consistently across Glomo reports. Within the downloaded reports, the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["id"]}," column in the payment report maps to the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["entity_id"]}," column in the settlement report, enabling cross-reconciliation between the two. See ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/payin/resident-india-remittance-under-lrs/reports"},"children":["Payment, settlement and payout reports for LRS"]}," for a step-by-step reconciliation."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["When creating a quote, which side of the conversion is guaranteed — the source or target currency amount?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The amount you pass as ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["source_currency"]},"/",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["source_amount"]}," is the one Glomo guarantees; the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["target_currency"]}," amount is computed from it via the FX rate and can vary. 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Conversely, setting ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["source_currency"]}," to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["INR"]}," (as in the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/payin/resident-india-remittance-under-lrs/set-up#create-a-quote"},"children":["Create a quote"]}," example) guarantees the INR amount and gives an indicative USD equivalent."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Is the Bank Customer ID required on every transaction, or only the first time?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Only once. 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For returning customers, pass the previously-created ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["bank_account_id"]}," in the Create an Order API — the customer is prompted to pay using the bank customer ID already on file, without re-entering it."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Which webhook confirms that funds have actually landed and are available to act on (e.g. to grant buying power to the end user)?"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment.funds_available"]}," is the definitive signal that funds have actually been received and are available — use this to trigger granting buying power. 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