When does a "order" get created?

An order in Ivy is created at the moment the user selects their bank during the checkout flow, not before.

This means:

• Simply opening the checkout session or landing on the bank selection screen does not create an order.

• An order is only generated when the user actively chooses their bank, confirming their intention to proceed with a payment.

• From that point onward, the order will appear in your dashboard, and will be tracked with a corresponding Reference ID / Order ID.

This distinction is important for tracking drop-offs: if a customer never selects a bank, no order is created, and no transaction record exists on your end.