# User flow

#### 1. Checkout / Invoice Selection

At checkout or invoice review, the buyer selects:

* **Pay on Invoice — Net-30**

The buyer is shown:

* Total invoice amount
* Payment due date (**30 days** from purchase or shipment)

Where enabled, the buyer is informed that the invoice may be settled using a **split payment schedule** within Net-30 (two payments).

**Note**: choosing the split payment option increases reliability and trust from Yumi towards the buyer, hence allowing potentially higher limits.

#### 2. Buyer Eligibility & Limits

Yumi evaluates eligibility in real time based on:

* Buyer business identity and verification status
* Transaction amount
* Historical repayment behavior (if applicable)

Yumi applies **per-buyer and per-transaction limits**, starting conservatively for new buyers and increasing over time based on repayment history.

#### 3. Approval & Order Completion

If approved:

* The order is completed immediately
* The buyer receives an invoice displaying:
  * Invoice amount
  * Net-30 due date
  * **Split settlement schedule (if applied):**
    * **50% of the invoice amount due on Day 15**
    * **Remaining 50% due on Day 30**
  * Payment instructions

No upfront payment is required at checkout.

#### 4. Invoice Period (Day 0–30)

During the invoice period:

* No buyer action is required unless a split payment is scheduled
* Buyers may view outstanding invoices, due dates, and scheduled payments

If the split schedule is applied:

* **50% of the invoice amount is automatically collected on Day 15**
* The remaining balance continues to be payable on Day 30

Optional extensions (e.g. +15 days) may be offered according to policy and are explicitly priced.

#### 5. Payment at Maturity

On the Net-30 due date (Day 30):

* Any remaining balance (**50%**) is settled in a **single final payment**

No additional installments or amortization apply beyond Day 30.

#### 6. Late Payment Handling

If any scheduled payment is not received on time:

* Yumi manages reminders, dunning, and collections directly with the buyer
* Short extensions or payment arrangements may be negotiated where permitted