When paying by manual transfer, why isn't the QR code my TEE wallet address?
What the transit address is, and why it exists between the payer and your TEE wallet.
That address is a transit address — a single-use settlement address generated for that specific order. It exists to correctly route and, where needed, cross-chain swap the incoming funds before forwarding the final amount on to your TEE wallet. You’ll never need to manage it directly; it just does its job for that one payment and then it’s done.
Why a unique address per order?
Blockchain transfers carry no built-in reference number. When a customer sends funds by manual transfer, there is no metadata attached to tell Morph Payments which order the payment belongs to. By giving each order its own transit address, Morph Payments can match any incoming transfer to the correct order — even if multiple payments arrive at the same time from different customers.
What happens after funds arrive at the transit address
Morph Payments’s system monitors the transit address for incoming transfers. When a matching amount arrives and receives enough confirmations on the blockchain, the order is marked paid. If the customer paid on the same chain you receive on, the funds are forwarded directly to your TEE wallet. If they paid on a different chain, Morph Payments routes the cross-chain swap first, then delivers the final amount to your wallet.
Payment windows and address expiry
Each transit address has a payment window — the period during which it accepts payments for that order. After the window closes, the order expires and the address is retired. If a customer sends funds to an expired transit address, those funds will be held and will need to be manually reconciled — contact Morph Payments support if this happens. This is why it is important to encourage customers to complete payment before the window closes.
Your TEE wallet address and transit addresses are different things
Your TEE wallet has a permanent address that represents your account on the blockchain. Transit addresses are temporary, order-specific, and single-use. They exist purely to route incoming payments correctly. You will see your TEE wallet address in the Receiving section of your account settings. You will see transit addresses on individual order pages — they are not the same, and they should not be confused.
Do you ever need to interact with transit addresses?
No. Transit addresses exist for your customer’s use during the payment flow. You set up the payment request, and Morph Payments generates the transit address automatically. After the order closes, the transit address is retired and you never need to think about it again.
