> ## Documentation Index
> Fetch the complete documentation index at: https://developer.paywint.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Create, track, and manage payments using wallet, ACH, card, Paywint Bank, or mailed checks.

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

<CardGroup cols={2}>
  <Card title="Create Payment" icon="dollar" href="/api-reference/payments/create" arrow="true">
    Initiate a payment from a user to another user or payee.\
    Handles validation, fees, settlement flow, and lifecycle events.
  </Card>

  <Card title="Mail Check" icon="money-check" href="/api-reference/payments/mail-check" arrow="true">
    Create and mail a physical check to a payee’s address, with fee calculation and attachment support.
  </Card>

  <Card title="Get Payment" icon="receipt" href="/api-reference/payments/get" arrow="true">
    Retrieve full details of a payment including status, timestamps, fees, and method.
  </Card>

  <Card title="List Payments" icon="list" href="/api-reference/payments/list" arrow="true">
    List all payments across your platform with filtering and pagination.
  </Card>

  <Card title="List User Payments" icon="list" href="/api-reference/payments/list-sent" arrow="true">
    Retrieve all payments initiated by a specific user.
  </Card>

  <Card title="List Received Payments" icon="list" href="/api-reference/payments/list-received" arrow="true">
    Retrieve all payments received by a specific user.
  </Card>
</CardGroup>

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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-reference/payments/create)** API.

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## Supported Payment Methods

### **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](/api-reference/payments/checkout/overview)**