How money moves¶

Oura is non-custodial. It never holds, pools or passes on your money.

flowchart LR
    C[Customer's wallet, bank or card] -- money --> M[Your own account with that rail]
    C -. checkout .-> O((Oura))
    O -. signed webhook .-> S[Your server]

Money goes from the customer's wallet, bank or card straight into your own account with that rail. If a customer pays with eSewa, the money lands in your eSewa merchant account.
Oura runs the checkout, talks to the rail, confirms the payment and sends you a signed webhook.
Your balance with Oura is always NPR 0, because there's nothing for Oura to hold.

What this means for you¶

Question	Answer
Where do I see the money?	In your own account with each rail, exactly as if you'd integrated it directly.
When does it arrive?	On the rail's own schedule. Oura doesn't add a delay because it isn't in the path.
Who do I pay fees to?	Each rail, at its standard rate. Oura charges merchants nothing.
Can Oura freeze my funds?	No. Oura never has them.

Refunds and disputes¶

Because the money sits in your rail account, refunds are made through that rail. The Oura API does not move money, so it has no refund endpoint.