Refunds & expiry
The 30-minute rule and where funds go when things fail.
Every order lives for 30 minutes
The quote behind an order is locked with a 30-minute deadline (the deadline field in the response). Within that window the payment either succeeds, or any received funds are refunded — there is no limbo state.
| Scenario | Outcome |
|---|---|
| No deposit before deadline | Order becomes expired. Nothing was transferred, nothing to refund. |
| Deposit arrives but settlement fails | Order becomes failed / refunded and the deposit returns to refund_address. |
| Deposit arrives too late or amount is short | NEAR Intents refunds to refund_address; the order ends refunded. |
| Success | Funds settle to your configured receiving address; settle_tx_hash is recorded. |
Because refunds always go to refund_address on the pay chain, you must pass the payer's real, self-custodied address. Never pass an exchange deposit address as refund_address — exchanges credit refunds to the wrong account or lose them.
Fees
During the launch promotion, ZeroPay platform fee is 0. Payers still cover their wallet gas and NEAR Intents bridge/network fees, which are reflected in the quoted amounts. The future standard ZeroPay platform fee is 10 bps (0.1%) and will be applied via AppFee only when enabled.