Approve or decline a payment request

Someone has asked you for money through Kit Pay. The request sits in your app with their name, the amount, and their note — and the decision is entirely yours. Nothing moves until you approve it, and approving is a full sensitive action: reviewed by you, confirmed with your wallet PIN or supported device security, tied to that exact payment.

Reading a request properly

1. Check who it is from. The name shown belongs to the account that sent it — not to whoever a message claims sent it.
2. Check the amount against what you actually agreed or owe.
3. Read the note. A legitimate request explains itself; a vague one deserves a question before a shilling.
4. Then approve or decline — or ask the sender about it first, outside the payment screen.

When to decline without guilt

• You do not recognise the sender or the debt. Unexpected requests are declined first and investigated second.
• The amount is wrong. Decline and ask them to resend correctly — a fresh request costs nothing.
• The story around it smells of pressure: a prize, a refund, an official fee that arrived as a personal request.

Declining is not rude; it is the system working. The sender simply sees the decision, and a genuine sender will resend or discuss. Anyone who reacts to a decline with urgency and threats has told you what they were.

After you decide

Approve, and it becomes a normal transfer: money moves from your wallet to theirs, recorded in both histories with the request behind it. Decline, and nothing moves — the request closes and your wallet never noticed. Either way the outcome is visible to both sides, which keeps the human relationship honest too. If a request was part of something fraudulent, report it from inside the app so the pattern is on record.