# Payment Flow

This section describes **how a payment is processed through Nexus, at a detailed functional level**, following a successful [Payment Setup](/payment-setup/key-points.md) process.

{% hint style="info" %}
For a high-level overview of this process, please refer to [pages 31-32 of the Nexus report](https://www.nexusglobalpayments.org/wp-content/uploads/2025/03/Project-Nexus-Report-Phase-3.pdf).
{% endhint %}

The detailed flows below are split into the two separate stages in the Source Country and then in the Destination Country. They also show both the [4-step and 5-step processes](/payment-processing/annex-4-step-vs-5-step-processes-in-domestic-clearing-and-settlement.md) that apply to domestic payments.

The detailed flows presented demonstrate the end-to-end flow of a Nexus payment. Note that Nexus is only prescribing and mandating the interaction between Nexus and the IPSOs. The IPSO is free to either adopt the proposed Nexus flows, reuse and adapt its existing flows, or design new ‘domestic Nexus’ flows, as long as it adheres to the Nexus Scheme Rulebook requirements (including, but not limited to, provisions on settlement certainty and timeouts).


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