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A payer rarely holds exactly the token you want, on the chain you want it. In Flow payments, conversion closes that gap, and by default it is automatic.

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Automatic routing

When the source asset does not match your settlement configuration, the flow runs a swap, a bridge, or both. You configure what you want to receive, and Dynamic chooses the provider and the route when the payer requests a quote. When several settlements could be reached, the strategy set on the flow decides which one is used. See Routing strategy for the strategies and what each optimizes for.
Dynamic does not control the swap, bridge, or routing protocols used to convert and deliver assets. Rates and fees come from third-party providers and can change between quote and execution. Cross-chain transfers carry slippage, partial fills, and failed conversions as real risks, and on-chain transactions cannot be reversed. Make clear to your users that conversion and cross-chain routing are executed by independent third parties, and that payers who pay from a wallet keep control of their assets and sign each transfer themselves.

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Requiring an exact match

Some integrations need the payer to arrive with an asset that already matches a configured settlement. Setting disableSwaps on the flow enforces that. It is fixed when the flow is created and applies to every mode. The restriction is enforced at the quote, not at source attachment, which is worth knowing when you are building the payer experience:
  • An incompatible source attaches successfully. The rejection comes later, when a quote is requested.
  • A quote succeeds when the source chain, chain ID, and token all match a configured settlement, and that settlement chain has a matching destination. Token comparison is case-insensitive.
  • A matching wallet quote transfers directly, with no swap provider involved. A matching deposit address is issued as normal, and requesting another quote reuses the existing address.
  • A quote that would need a swap or bridge is refused, and a deposit address that would need a route is refused before any provider work happens.
  • Exchange payments are unaffected, because the exchange buys the settlement token directly.
One edge worth designing around: when a quote request omits the source token, it defaults to the chain’s native token. A flow settling in USDC will therefore refuse a quote unless that native token is itself the configured settlement. See Accept a same-token payment for a full walkthrough of disableSwaps in a payment flow, from creating the flow through confirming settlement.

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Charging your own fee

You can add your own fee to deposit-address payments and to wallet payments that need a swap. Direct wallet transfers and exchange payments carry no added fee. See Adding your own fee for how fee configs, recipients, and claiming work.

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Settlement

What you receive, on which chain, and where it lands.

Adding your own fee

Charge a fee on deposit-address and swapped payments, and claim what accrues.
Last modified on October 28, 2026