> ## Documentation Index
> Fetch the complete documentation index at: https://docs.peere.co/llms.txt
> Use this file to discover all available pages before exploring further.

# FAQs

<AccordionGroup>
  <Accordion title="What is Peere Network?">
    Peere is an identity-based payment system. Customers pay using their biometric identity rather than cards or cash. Transactions are authorised through their bank and processed without any traditional payment instrument.
  </Accordion>

  <Accordion title="Which countries are supported?">Nigeria is currently live with NGN support. Additional regions are in development. Contact [suport@peere.network.](mailto:suport@peere.network.) for early access.</Accordion>

  <Accordion title="What is the difference between a billing intent and a billing request?">
    A billing intent asks the customer for permission to bill them in the future. A billing request is the actual charge, made using an payment id the customer already approved.
  </Accordion>

  <Accordion title="How does customer discovery work?">
    Merchants can find customers by email (`GET /v1/customer/banks?email=...`) or by device ID (`POST /v1/customer/device/lookup`). Customers must be onboarded by their bank before they are discoverable.
  </Accordion>

  <Accordion title="How do I verify webhook signatures?">Use HMAC SHA-256 with your webhook secret against the raw request body, then compare to the value in the `X-Peere-Signature` header.</Accordion>

  <Accordion title="What happens if a customer declines payment?">You receive a `billing.response` webhook with `customerAction: "declined"`. No funds are moved.</Accordion>

  <Accordion title="How do refunds work?">Merchants initiate refunds via `POST /v1/refunds/initiate`. Refunds typically process within 1 to 3 business days.</Accordion>

  <Accordion title="How long does integration take?">
    A basic integration typically takes one to two weeks. Full integration including webhooks and recurring billing is usually two to four weeks depending on your stack and available resources.
  </Accordion>
</AccordionGroup>

Still have questions? Reach out at [suport@peere.network.](mailto:suport@peere.network.).