Merchant Transactions
The Merchant Transactions page is the record of every operator-initiated movement of funds across your wallets — deposits into your Hot Wallet, transfers, and payouts from your Treasury Wallet, automatic sweeps between the two, and asset swaps. Where the User Transactions page captures player activity, Merchant Transactions captures your activity as the operator.
This is the ledger your finance and operations teams will return to most often.
Looking for player-initiated deposits and payouts? See User Transactions. Merchant Transactions only lists movements you or an automated sweep initiated.
Why Use It?
A complete operator-side ledger — every funding top-up, transfer, external withdrawal, sweep, and swap in one place.
End-to-end reconciliation — pair Merchant Transactions with User Transactions to account for every movement in and out of your wallets.
Treasury oversight — audit how much has been swept to Treasury and when, and trace the origin of every Treasury movement.
Reporting-ready — export the full ledger to CSV for finance, compliance, or audit review.
Accessing the Page
From the left-hand navigation, go to Transaction Management → Merchant Transactions.
Understanding the Transaction Table
Each row represents a single wallet movement you or the platform initiated on your behalf. The table lists the following columns:
Transaction ID
Unique identifier for the wallet movement within Pay.io. Use this when raising support tickets.
Process time
Date and time (UTC) the transaction was processed by the Payment Gateway.
Wallet
The address of the wallet involved in the movement — your Hot Wallet receiving address, your Treasury Wallet address, or the external address for an outbound transaction.
Type
The kind of movement. See Transaction Types below.
Asset
The cryptocurrency or stablecoin involved, with its network.
Amount
The value transacted, expressed in the selected asset.
USD
The equivalent value in USD at the time of processing.
Status
New, Processing, Confirmed, or Failed. See Statuses below.
Transaction Hash
The on-chain transaction hash. Use this to look the transaction up on the relevant block explorer.
Detail
Click the eye icon to open the full Transaction Details panel.
Transaction Types
Merchant Transactions groups movements into six distinct types, which map directly to the operational actions available across the Merchant Console.
Hot Wallet Deposit
An incoming transfer into your Hot Wallet.
Manually depositing funds from an external wallet or exchange. See Making a Deposit.
Hot Wallet Payout
An outgoing transfer from your Hot Wallet, excluding player withdrawals.
Manual transfers from Hot Wallet to Treasury Wallet. See Transfer From Hot Wallet to Treasury Wallet.
Treasury Wallet Deposit
An incoming transfer into your Treasury Wallet.
External deposits to Treasury. See Depositing to Your Treasury Wallet.
Treasury Wallet Payout
An outgoing transfer from your Treasury Wallet.
Transfers to Hot Wallet or withdrawals to an external address. See Withdrawing From Your Treasury Wallet.
Sweep
An automatic transfer from your Hot Wallet to your Treasury Wallet.
Triggered when your Hot Wallet balance exceeds the sweep threshold. See Setting up Sweeps and Alerts.
Swap Deposit
A conversion of one asset into another from your Hot Wallet.
Manual swaps initiated via the Swap widget. See Swapping Assets.
Swap Payout
A conversion of one asset into another from your Hot Wallet.
Manual swaps initiated via the Swap widget. See Swapping Assets.
Player withdrawals do not appear on this page. They are player-initiated and live in the User Transactions ledger. Merchant Transactions only shows movements initiated by you, your team, or the automated sweep engine.
Statuses
New
The transaction has been created, but has not yet been dispatched to the Payment Gateway. Usually, a transient state.
Processing
The transaction has been broadcast and is awaiting the required network confirmations.
Confirmed
The transaction has reached the required confirmations and has settled on-chain. No further action required.
Failed
The transaction did not complete. Open the details panel to see the failure reason.
Swap transactions follow their own status flow: Getting Confirmations → Exchanging → Sending → Completed, with Failed, On Hold, and Refunded as exception states. See Swapping Assets for what each status means.
Filtering and Searching
The filter bar at the top of the table lets you narrow the view:
Timeframe — today, yesterday, this week, this month, this year, all time, or a custom date range.
Type — filter to a single transaction type (e.g. show only Sweeps, only Swaps, or only Treasury Wallet Payouts).
Asset — a specific cryptocurrency or stablecoin.
Status — New, Processing, Confirmed, or Failed.
Search — look up by transaction ID, wallet address, or transaction hash.
Clear All — resets every filter to its default.
Want a quick view of every sweep over the past month? Set Type: Sweep and Timeframe: This month. This is the fastest way to audit automatic sweep activity before a Treasury reconciliation.
Viewing Transaction Details
Click the eye icon in the Detail column of any row to open the Transaction Details panel. The panel contains the complete record for the movement, including fields that are not displayed in the table view.
The details panel displays:
Wallet Address — the wallet involved in the movement.
Asset — the cryptocurrency or stablecoin, with its network.
Type — Deposit, Payout, Sweep, or Swap, scoped to the relevant wallet.
Request time — the date and time the transaction was initiated.
Amount — the value transacted, expressed in the selected asset.
Status — the current state (New, Processing, Confirmed, or Failed).
Transaction Hash — the on-chain hash, copyable for use in a block explorer.
Transaction ID — the Pay.io identifier, copyable for support tickets.
For Failed transactions, the details panel additionally displays the failure reason at the bottom of the record.
For Swap transactions, the details panel additionally displays the swap pair, input and output amounts, the exchange rate at execution, the network and platform fees, and both transaction hashes — outbound (your Hot Wallet to the exchange) and inbound (the exchange back to your Hot Wallet).
For payouts from the Treasury Wallet, the details panel also records which team member authorised the transfer using their passkey.
Exporting Transactions
To export the current view to CSV for reconciliation, reporting, or audit purposes:
Apply any filters you wish to include in the export.
Click Download CSV in the top right-hand corner of the table.
The exported file contains every column displayed in the table, plus a Failure Reason column populated for any failed rows. Only transactions matching your active filters will be included.
For a complete picture of a reconciliation period, export User Transactions and Merchant Transactions for the same date range. Together they account for every inbound and outbound movement across your wallets.
Things to Bear in Mind
Merchant Transactions is read-only. You cannot edit, cancel, or retry a transaction from this view. Retries for failed movements are initiated from the originating page — for example, a failed sweep is resolved by reviewing its root cause in Hot Wallet configuration.
Sweeps appear automatically. You do not need to do anything for sweep activity to be recorded — it is logged as soon as the sweep engine triggers.
Treasury Wallet payouts require passkey authentication before appearing here. A transaction will not progress past New until the passkey holder has signed. See Transfer From Treasury Wallet to Hot Wallet.
Status updates are near real-time, but may lag slightly behind on-chain state during periods of high network congestion.
Viewers can read this page and export CSVs but cannot initiate any of the underlying transactions. See Team Management — Roles and Permissions for the full matrix.
What's Next?
User Transactions for the corresponding record of player-initiated deposits and payouts.
Swapping Assets to convert one asset into another directly from your Hot Wallet.
Setting up Sweeps and Alerts to configure the automated sweeps that populate this ledger.
Transfer From Hot Wallet to Treasury Wallet to initiate manual Hot-to-Treasury transfers.
Withdrawing From Your Treasury Wallet to send Treasury funds to an external wallet or exchange.
Managing Notifications to enable alerts for sweeps, wallet deposits, and transfers.
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