Payment Flow Diagrams
Visual reference for how Hedge processes payments through CoinFlow and Plaid, including chargeback protection and settlement flows.
ACH Payment Flow
End-to-end bank transfer using Plaid for bank verification and CoinFlow for ACH processing.
ACH Bank Transfer — End to End
Consumer initiates payment via Hedge white-label checkout
Card Payment + Chargeback Protection
CoinFlow provides 100% chargeback protection through AI fraud detection, 3D Secure, and device fingerprinting.
Card Checkout with 100% Chargeback Protection
Every card transaction passes through CoinFlow's multi-layer fraud engine
Chargeback Lifecycle — Hedge is Protected
Round-Up (SideBet) Micro-Debit Flow
Automated round-up collection from sportsbook bets, powered by merchant-initiated ACH debits via CoinFlow.
SideBet Round-Up Flow
Sportsbook bet triggers automatic round-up collection
Full Architecture Overview
How Hedge, CoinFlow, and Plaid work together to provide complete payment infrastructure.
Hedge Payments Architecture
White-label payment infrastructure powered by CoinFlow + Plaid
Open Banking Comparison
How Hedge compares to traditional open banking providers.
| Capability | Hedge + CoinFlow | Trustly |
|---|---|---|
| Bank-to-merchant ACH | ||
| 100% Chargeback Protection | ||
| Card Payments (Visa/MC/Amex) | ||
| Apple Pay / Google Pay | ||
| Crypto Settlement (USDC) | ||
| Open Banking (EU PSD2) | Roadmap | |
| US Bank Linking (Plaid) | Partial | |
| AI Fraud Detection | Partial | |
| 3D Secure | N/A | |
| White-label Checkout | ||
| Recurring / Merchant-Initiated | ||
| Real-time Settlement (USDC) | ||
| Multi-chain Support | ||
| 170+ Countries Supported | EU-focused | |
| iGaming / Sportsbook Focus | ||
| PCI DSS Level 1 | ||
| SOC 2 Type II |
Webhook Event Lifecycle
Real-time status updates as payments move through the pipeline.
Payment Webhook States
{
#98C379]">"event": "payment.completed",
#98C379]">"data": {
#98C379]">"paymentId": "pay_7xK2mN9pQ",
#98C379]">"amount": 5000,
#98C379]">"currency": "USD",
#98C379]">"method": "ach",
#98C379]">"status": "completed",
#98C379]">"settlementType": "USDC",
#98C379]">"chargebackProtected": true,
#98C379]">"plaidAccountId": "acc_Plaid_xxxxx",
#98C379]">"webhookInfo": {
#98C379]">"userId": "user_abc123",
#98C379]">"orderId": "order_456"
},
#98C379]">"timestamps": {
#98C379]">"created": "2025-11-18T10:30:00Z",
#98C379]">"processing": "2025-11-18T10:30:02Z",
#98C379]">"completed": "2025-11-18T10:30:45Z"
}
}
}Security & Compliance
Enterprise-grade security across the full payment stack.
PCI DSS Level 1
Highest level of card data security. CoinFlow handles all PCI scope — Hedge merchants never touch raw card numbers.
SOC 2 Type II
Independently audited security controls covering availability, confidentiality, and processing integrity.
100% Chargeback Protection
CoinFlow absorbs all chargebacks on approved transactions. AI fraud scoring, 3D Secure, device fingerprinting, and behavioral analysis.
KYC / AML Compliance
Identity verification, OFAC sanctions screening, FinCEN registration, and anti-money laundering monitoring — all handled by CoinFlow.
Data Encryption
TLS 1.3 for data in transit, AES-256 for data at rest, HSM for key management. GDPR and CCPA compliant.
Plaid Bank Verification
Instant bank account verification via Plaid. No micro-deposits required. Supports 12,000+ financial institutions in the US.