We already posted that temp-wallet-plus-sweep is custody. This is the definition post: non-custodial invoicing is issuance + watch-only matching + settlement to an address path you control (BIP-84 / CREATE2 / destination-bound PDA), without a vendor key that can empty the pay-in.
If you cannot answer “who signs the first outbound?” with “the merchant / an immutable payee,” it is not non-custodial.
Settlematic Collect is built on that definition. Gateway is sandbox. Canonical: what is non-custodial crypto invoicing. settlematic.com
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