connect to see payments carrying a reference you issued
connect to see arrived without a reference you can match
Connect a wallet and Payvol reads your own party's view through it. Nothing is watched in the background: one read when the wallet arrives, and one more each time you ask.
Read from your own party's view of the ledger, in 2 calls off the update stream rather than the active contract set. Payvol does not index the network and cannot show a transfer you are not a party to. A payment made outside the standard carries no reference, which is what would leave one unmatched here.