# Payd API docs

> Collect payments and send payouts from your own product with the Payd API. Mobile money, bank transfers, cards and stablecoins, with guides, examples and an OpenAPI file.

Base URL: https://api.payd.money. Authenticate with HTTP Basic auth using your API username and password. OpenAPI: https://magic.payd.money/openapi.yaml

## Get started

- [Payd API overview](https://magic.payd.money/introduction.md): What the Payd API does, how a payment moves through it, and where to start. Collect and pay out with mobile money, banks, cards and stablecoins.
- [Quickstart](https://magic.payd.money/quickstart.md): Collect your first mobile money payment with the Payd API in five steps, then check its status and receive the webhook.
- [Authentication](https://magic.payd.money/authentication.md): Create a Payd API key, authenticate with HTTP Basic auth, find your account id, and keep your keys safe.
- [How payments work](https://magic.payd.money/core-concepts.md): Payment statuses, references, amounts and currencies, wallets, retries, timeouts and how to read Payd API responses.
- [Webhooks](https://magic.payd.money/webhooks.md): The events Payd posts to your callback_url for collections and payouts, the body, how to verify the X-Payd-Signature header, and the retry schedule.
- [Errors](https://magic.payd.money/errors.md): The Payd API error format, HTTP status codes, every error_code you can branch on, and what to do about each one.

## Collect payments

- [Collect with mobile money in Africa](https://magic.payd.money/pan-african-payins.md): Collect mobile money payments in Uganda, Tanzania, Rwanda, Zambia, Côte d'Ivoire, Senegal, Cameroon, Benin, Togo and Botswana with the Payd API.
- [Collect by bank transfer](https://magic.payd.money/bank-payins.md): Collect bank transfers in Botswana, Kenya, Nigeria and Tanzania with the Payd API. Payd gives you an account to show your customer, then confirms the transfer.
- [Card payments](https://magic.payd.money/card-payments.md): Take Visa and Mastercard payments with a hosted card checkout from the Payd API, then confirm the payment and its release to your balance.
- [Collect stablecoin payments](https://magic.payd.money/stablecoin-payments.md): Get paid in USDT, USDC and other stablecoins with Payd Stables Checkout. Create a checkout link, send your customer to it, and get a signed callback when they pay.
- [Collect with M-Pesa in Kenya](https://magic.payd.money/kenya-payins.md): Send an M-Pesa payment prompt to a customer's phone in Kenya with the Payd API, then confirm the payment by webhook and status.

## Send payouts

- [Pay out to mobile money and banks in Africa](https://magic.payd.money/pan-african-payouts.md): Send payouts from your Payd balance to mobile money wallets and bank accounts across Africa, including Uganda, Tanzania, Nigeria and South Africa.
- [Pay out with M-Pesa in Kenya](https://magic.payd.money/kenya-payouts.md): Send money from your Payd balance to any M-Pesa number in Kenya with one API call, then confirm the payout.

## Look things up

- [Payment status and lookups](https://magic.payd.money/transaction-status.md): Check the status of a Payd payin or payout by reference, search payment requests, and list the transactions that moved money in your account.
- [Balances](https://magic.payd.money/balances.md): Read your Payd account balance in US dollars and in your account currency, including card money that Payd has not released yet.
- [Payment options by country](https://magic.payd.money/network-discovery.md): List the mobile money networks, banks and card options Payd supports in a country, with the ids and amount limits you send in a payin or payout.
- [Limits and settlement times](https://magic.payd.money/limits-and-settlement.md): How much you can collect or pay out per payment on each Payd channel, and how long M-Pesa, mobile money, bank transfers, cards and stablecoins take to finish.
- [Quotes and fees](https://magic.payd.money/quotes.md): Get the Payd fee, exchange rate and US dollar total for a collection or payout before you send it.

## Tools

- [Build with AI](https://magic.payd.money/ai.md): Use the Payd API docs with Claude, ChatGPT, Cursor and other AI coding assistants. llms.txt, Markdown pages, an OpenAPI file and a prompt to start from.
- [Changelog](https://magic.payd.money/changelog.md): Changes to the Payd API and these docs, including endpoints that moved and how to update an older integration.