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Overview

Send Money lets you transfer funds from one of your wallets to another Doss user. The recipient is looked up by their registered email address, phone number, or Doss user ID (prefixed ZG-). If the recipient is a registered user, the transfer completes immediately and both parties receive a transaction record. If the recipient is not yet registered, the transfer is created in a Pending state until they join. Fees for transfers are configured per currency by the administrator in Fees & Limits settings.

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How to send money

1

Go to Send Money

Navigate to Send / Receive > Send. The form shows all wallets that have an active fees configuration for transfers.
2

Select a wallet

Choose the wallet (currency) you want to send from. Only wallets with an active Transferred transaction type in Fees & Limits are shown.
3

Enter the recipient

Enter the recipient’s email address, phone number (e.g. +12015550123), or Doss user ID (the numeric part of their ZG- ID).The system validates the input in real time:
  • You cannot send money to yourself.
  • Suspended or inactive accounts cannot receive transfers.
  • A user ID lookup returns the recipient’s name and profile picture for confirmation before you proceed.
4

Enter the amount and note

Enter the transfer amount. The fee breakdown is calculated dynamically:
  • Percentage fee — amount × (charge_percentage / 100)
  • Fixed fee — charge_fixed
  • Total deducted — amount + total_fees
A note is required and is stored on the transaction record.
5

Review and confirm

A confirmation screen shows the recipient, amount, fees, and total. Enter your account password (as a 4-digit OTP entry) to authorize the transfer. The system validates the entered value against your stored password hash.
6

Transfer complete

On success, the sender’s wallet is debited and the receiver’s wallet is credited. Both users receive email or SMS notifications depending on account preferences.
If you enter a phone number, your own phone number must be set on your profile first. The system will prompt you if it is not configured.

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Fee structure

Fees are set per currency by the administrator. The system applies two components:
ComponentHow it is calculated
Percentage feeamount × charge_percentage ÷ 100
Fixed feecharge_fixed (flat amount)
Total feespercentage_fee + fixed_fee
Amount deductedamount + total_fees
The fee breakdown is shown on the confirmation screen before you authorize.

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Transaction limits

Each currency has a configured minimum and maximum transfer amount:
  • If the amount is below the minimum, the transfer is rejected with a minimum amount error.
  • If the amount is above the maximum (when set), the transfer is rejected with a range error.
  • If your wallet balance is less than amount + total_fees, the transfer is blocked.
The amount limit check runs both client-side (live feedback) and server-side (at confirmation) to prevent race conditions.

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Transaction status tracking

StatusMeaning
PendingRecipient was not found as a registered user at transfer time
SuccessTransfer completed and recipient wallet was credited
You can view the status of all your transfers in Transactions, filtered by type Transferred. A PDF receipt can be generated from the transaction detail view.

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Finding a recipient

The system resolves the recipient by checking the following fields in order:
  1. email column on the users table
  2. formattedPhone column (international format, e.g. +12015550123)
  3. uuid column prefixed with ZG- (Doss user ID)
If no matching user is found, an “Invalid User ID” error is returned and the transfer does not proceed.

Request Money

Ask another user to send funds to you.

Digital Wallet

Understand wallet balances and transaction history.

Invoices

Send a formal invoice that triggers a wallet-to-wallet payment.

Merchant Payments

Accept payments as a merchant using QR codes or payment links.

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