Pay In DBT uses a widget to provide an interface for the end user to interact with. The widget can be displayed embedded in a website or sent as a link and the user will be able to use it by simply opening the link. The Pay In DBT displays the widget to the end customer so that the user can choose and enter their credentials into the Unnax widget and, after accepting the terms and conditions, an order is generated in the customer's account for a transfer to the merchant's own or escrow account. The flow of use is as follows: