> For the complete documentation index, see [llms.txt](https://sapphiredao.gitbook.io/sapphire/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://sapphiredao.gitbook.io/sapphire/overview/participants.md).

# Participants

#### Creator

A **Creator** (or service provider) can generate invoices for buyers to make direct payments on SapphireDao. Once logged in, the **Creator** navigates to the **Create Invoice** page to fill in necessary details, including:

* **Amount** (in POL/MATIC)
* **Terms of payment**
* **Invoice expiration** (up to 180 days, based on agreement with the Payer)
* **Polygon address** for payment release

The platform generates a **personalized invoice ID**, a **payment link**, and a **QR code**, which the **Creator** can share with the **Payer**. When payment is made, funds are transferred to an **escrow wallet** until the release conditions are met. The **Creator** can track invoice status in the **Invoice List**.

#### Key Considerations for Creators

* If the **Payer underpays**, the **Creator** can either accept or cancel the invoice.
* If the **Creator does not accept the payment within 3 days**, the funds are **automatically refunded** to the Payer.

#### Payer

A **Payer** can make payments for invoices created on SapphireDao. The **Payer** receives an **invoice link** or **QR code** from the **Creator** and is redirected to the **Pay Invoice** page, where details such as the **amount, expiration date, and Creator’s info** are displayed.

To proceed with payment, the **Payer** must connect their **crypto wallet** and complete the transaction in **POL (MATIC)**. The system updates the **invoice status** to reflect payment progress.

#### Key Considerations for Payers

* If an **overpayment** occurs, the excess amount (minus gas fees) is **automatically refunded**.
* If the **invoice is canceled** by the **Creator** or **expires**, the funds are **refunded** to the **Payer's wallet**.

This system ensures security, transparency, and flexibility for both **Creators** and **Payers**.