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A payment request (prq_*) is a request for another party to send you funds. Payments move money out of your wallet; payment requests bring money in. You identify the payer by email, phone number, handle, or party or agent ID. Natural notifies the payer and, once they fulfill the request, deposits the funds into your wallet.

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Lifecycle

A request stays open until someone acts on it: the payer fulfills or declines, or you cancel. Fulfillment is the moment money moves, from the payer’s wallet or a verified linked bank account, and the movement lands in Transactions. Requests you’ve been asked to pay appear in a separate incoming list, apart from the requests you created.

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Payment rails

A payer can fulfill a request from their Natural wallet or over external payment rails: ACH, wire, RTP, and FedNow. For wires, Natural can issue one-time wire instructions and virtual account numbers that automatically reconcile the incoming funds to the original request, so you don’t have to match payments by hand.

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Requesting for a customer

An agent authorized by a customer can create requests that collect into the customer’s wallet. The request belongs to the customer; your agent acts as the operator.

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Best practices

Always give a full payer identifier (email, phone number, handle, or party or agent ID) so Natural can deliver the request. Specify amounts as integer cents (e.g. 2500 for $25.00). All transactions are in U.S. Dollars for now.
Write a clear description so the payer knows who is asking and what they’re paying for. Include the invoice number and what it covers (e.g., “Invoice #12345 - Raw materials for Q1 2026”). The description is shown to the payer, and good detail also helps Natural flag anomalous transactions.
A request stays open until the payer fulfills or declines it, or you cancel. If a payer hasn’t acted, follow up with them, and cancel requests that are no longer valid so their payment links stop working.