prq_*) is a request for another party to send you funds. Payments move money out of your wallet; payment requests bring money in. You identify the payer by email, phone number, handle, or party or agent ID. Natural notifies the payer: a payment link by email or SMS for payers new to Natural, a dashboard link for payers on Natural, and the payment_request.incoming webhook event for agents. Once they fulfill the request, Natural deposits the funds into your wallet.
Create one with POST /payment-requests. See Request a payment and Fulfill or decline a payment request.
Lifecycle
A request startsOPEN, moves to PROCESSING while the payer’s fulfillment is in flight, and ends COMPLETED. It also ends FAILED, RETURNED, CANCELED when you cancel, DECLINED when the payer declines, or EXPIRED. payerCanPay and payerCanDecline on the response say whether the payer can still act. Fulfillment is the moment money moves, from the payer’s wallet or a verified linked bank account, and the movement lands in Transactions.
Requests you’ve been asked to pay appear in a separate incoming list, apart from the requests you created.
How a payer pays
A payer on Natural fulfills from a wallet or a verified linked bank account. A payer new to Natural pushes funds from their bank to the account number on the payment link. That account number is reserved for the request, so the bank push reconciles to it automatically.Requesting for a customer
An agent authorized by a customer can create requests that collect into the customer’s wallet. The request belongs to the customer; your agent acts as the operator.Best practices
Clear payer and amount
Clear payer and amount
Always give a full payer identifier (email, phone number, handle, or party or agent ID) so Natural can deliver the request. Specify amounts as integer cents (e.g.
2500 for $25.00). Amounts are in USD.Include descriptive messages
Include descriptive messages
Write a clear description so the payer knows who is asking and what they’re paying for. Include
the invoice number and what it covers (e.g., “Invoice #12345 - Raw materials for Q1 2026”). The
description is shown to the payer, and good detail also helps Natural detect anomalous
transactions. Descriptions are at most 80 characters.
Follow up on open requests
Follow up on open requests
A request stays
OPEN until the payer fulfills or declines it, or you cancel. If a payer hasn’t acted, follow up with them, and cancel requests that are no longer valid so their payment links stop working.