How It Works
The Payment Flow
Shopigent Payments automates the entire deposit-to-settlement lifecycle. When a customer places an order, the app's rule engine checks which payment plan should apply — no manual intervention needed.
Step 1 — Customer Places an Order
When a new order comes in through Shopify, the app's orders/create webhook fires instantly. The Plan Rules engine (MODE A) evaluates every enabled rule in priority order:
- Rules use AND conditions: product matches, collection matches, minimum order value, customer tags
- The first fully matching rule wins — lowest priority number
- A rule can propose (auto-apply the plan) or require (flag for manual approval)
Step 2 — A Plan Is Assigned
The winning rule links to a Payment Plan that defines the financial terms:
| Plan Type | What Happens |
|---|---|
| Deposit | Customer pays a % or fixed amount now. Balance is charged later (automatic or manual). |
| Pre-order | Customer pays a deposit to reserve. Balance is auto-charged when the item lands. |
| Deferred / Split | Full amount is split into N installments after a configurable deposit. |
If no rule matches, the AI engine (MODE B) suggests a plan based on order value. Merchants see the suggestion in the AI Decisions dashboard and can approve, override (choose a different plan), or reject.
Step 3 — Customer Receives a Deposit Link
A unique, shareable Stripe Checkout Session URL is generated:
https://payments.greeknous.com/pay/{unique-token}
The merchant sends this link to the customer (email, SMS, order notes). The customer pays via Stripe's hosted, mobile-optimized payment page. The deposit is authorized but not captured until fulfillment.
Step 4 — Balance Is Collected
- Deposit plans: The autocharge cron checks for paid deposits with past due dates and charges the balance automatically
- Installment plans: The balance is split into N equal payments on a schedule
- Pre-orders: Balance is charged when the product is ready to ship
- Manual: Merchants can trigger a balance charge from the Orders dashboard
Step 5 — Recovery (If a Payment Fails)
If a balance charge fails, the dunning engine kicks in automatically:
| Stage | Timing | Action |
|---|---|---|
| Reminder 1 | Immediate | App notification to merchant |
| Reminder 2 | 3 days later | Escalated notification |
| Final Notice | 7 days later | Urgent notification |
| Escalation | 14 days later | Manual intervention needed |
Every stage is tracked in the Dunning dashboard with full event history.
Ready to automate your deposits? Install Shopigent Payments →