Upfront Payment System

The Merso Upfront payment system enables users to purchase NFTs in a single transaction while maintaining full compatibility with in-game mechanics and existing marketplace flows.

This payment method follows a standard NFT purchase model, optimized for games that manage wallets internally and require seamless, gas-abstracted user experiences.

🎯 Payment Overview

The Upfront payment system operates on a 100% immediate payment structure, where users pay the full NFT price at the time of purchase and instantly receive full ownership of the original NFT.

There are no installment plans, wrapped assets, or collateral mechanisms involved.

Step 1: NFT Selection

When a user decides to purchase an NFT, they select the Upfront payment option in the game marketplace. Both PNPL and Upfront options are presented side by side, allowing users to choose their preferred payment method.

Step 2: Payment Authorization

The game initiates the payment flow using its integrated wallet infrastructure.

The user executes two transaction:

• Token approval

• Payment execution

Step 3: Payment Execution

The user pays 100% of the NFT price, which is transferred directly to the game company through the Merso payment infrastructure.

The protocol does not intermediate the payment with loans, pools, or delayed settlements.

Step 4: NFT Transfer to User

Once payment is confirmed:

• The original NFT is transferred directly from the game company to the user’s wallet

• Full ownership and control are granted immediately

No wrapping, escrow, or collateralization occurs.

💰 Payment Flow

┌─────────────────────────────────────────────────────────────────┐
│                    UPFRONT PAYMENT FLOW                         │
├─────────────────────────────────────────────────────────────────┤
│                                                                 │
│  1. User selects NFT in game marketplace                        │
│     ┌─────────────────┐                                         │
│     │   Game UI       │                                         │
│     └─────────────────┘                                         │
│              │                                                  │
│              ▼                                                  │
│  2. User pays 100% upfront                                      │
│     ┌─────────────────┐        ┌─────────────────┐              │
│     │   User Wallet   │──100%─►│   Game Company  │              │
│     └─────────────────┘        └─────────────────┘              │
│              │                                                  │
│              ▼                                                  │
│  3. NFT transferred to user                                     │
│     ┌─────────────────┐        ┌─────────────────┐              │
│     │   Game NFT      │───────►│   User Wallet   │              │
│     └─────────────────┘        └─────────────────┘              │
└─────────────────────────────────────────────────────────────────┘

💡 Key Benefits

For Users

• Instant Ownership: Full NFT ownership immediately after purchase.

• No Restrictions: Transfer, resale, and staking enabled from day one.

• No Installments: One-time payment, no future obligations.

For Game Companies

• Immediate Revenue: Full payment received instantly.

• Simplified Flow: No wrapping, escrow, or loan logic.

• Unified Integration: Same marketplace UI supports PNPL and Upfront.

• Lower Support Overhead: No default or payment tracking required.

For Protocol

• Simplified Execution: Atomic payment and transfer.

• No Credit Risk: No exposure to user defaults.

• Unified Infrastructure: Shares authentication, API, and wallet logic with PNPL.