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The Payments API enables secure and flexible money movement between users and payees.
Payments can be funded through a user’s wallet, linked card, bank (ACH), or Paywint Bank account, or delivered by mailing a physical check.

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Send & Manage Payments

Create Payment

Initiate a payment from a user to another user or payee.
Handles validation, fees, settlement flow, and lifecycle events.

Mail Check

Create and mail a physical check to a payee’s address, with fee calculation and attachment support.

Get Payment

Retrieve full details of a payment including status, timestamps, fees, and method.

List Payments

List all payments across your platform with filtering and pagination.

List User Payments

Retrieve all payments initiated by a specific user.

List Received Payments

Retrieve all payments received by a specific user.

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How Payments Work

Before sending a payment, ensure that:
  1. The payer is a registered user
  2. The recipient exists as payee with a saved card, bank, or mailing address
Once this setup is complete, payments can be created using the
Create Payment API.

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Supported Payment Methods

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Wallet

Delivery: Instant
Funding source: User wallet
Notes: Fastest method; funds are transferred immediately.

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Card

Delivery: 1–2 business days
Funding source: Linked card
Notes: Uses standard card settlement timelines.

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Bank ACH

Delivery: 3–4 business days
Funding source: Linked bank account
Notes: Well suited for high-value transfers; follows ACH settlement timelines.

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Paywint Bank Account

Delivery: Instant
Funding source: Paywint digital bank account
Notes: Fully traceable and optimized for transfers.

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Physical Check

Delivery: Based on mail type
Funding source: Wallet
Notes: Supports USPS First Class, Certified, Two-Day, and Overnight; optional PDF attachments up to 10 pages (7MB max).
For collecting money from customers through checkout or invoicing, see:
Accept Payments