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# Pay In overview

> Learn more about Payabli's Pay In features, and find all the guides in one place

Pay In is how businesses collect money through your payment program — cards, ACH, digital wallets, and in-person options. Without it, merchants handle collections in a separate tool, which breaks the experience and hands revenue to a third party. Pay In brings acceptance into the platform so merchants can complete transactions without handing off to a third-party tool. Partners control which methods are available and how they're configured. These guides cover each payment method and channel.

Payabli's Pay In capabilities include:

* Making sale transactions: either card-present with a device, via the API, embedded components, hosted payment pages, the virtual terminal in the UI, or via payment links.
* Making recurring or scheduled transactions.
* Saving payment methods for future use. This is also called "tokenization".
* Invoicing customers to request payments.

## References

These reference guides cover schemas, statuses, and error codes related to Pay In.

* [Pay In schemas](/guides/pay-in-schemas-overview) — Learn about Pay In (money in) transaction schemas
* [Pay In statuses](/guides/pay-in-status-reference) — Learn about Pay In (money in) statuses
* [Pay In TransEvent reference](/guides/pay-in-transevents-reference) — Learn about TransEvent values for pay in transactions
* [Pay In unified response codes reference](/guides/pay-in-unified-response-codes-reference) — Complete reference for Payabli's unified Pay In transaction response codes
* [ACH return codes reference](/guides/platform-ach-return-codes-reference) — Understand how to handle different types of ACH returns
* [Payment response codes & errors](/guides/platform-return-codes-and-errors-reference) — Learn about payment response codes for different payment methods
* [Payment methods for testing](/guides/test-accounts-reference) — Use these payment methods to test your integration with Payabli

## Making transactions

If you want to learn more about making transactions with Payabli, use these guides to get started.

### One-time transactions

These guides cover tasks associated with one-time transactions.

* [Capturing in-person checks](/guides/pay-in-checks-rdc-overview) — Learn how to use remote deposit capture (RDC) to convert paper checks into electronic payments
* [Use Remote Deposit Capture (API)](/guides/pay-in-developer-checks-rdc) — Learn how to use remote deposit capture (RDC) to convert paper checks received in-person into electronic payments via the API
* [Accept IVR payments (API)](/guides/pay-in-developer-ivr-payments) — Integrate IVR card and ACH payments step by step
* [Accept Tap to Pay payments](/guides/pay-in-developer-tap-to-pay) — Integrate Tap to Pay in your native iOS app, from paypoint registration through your first charge
* [Authorize & capture transactions](/guides/pay-in-developer-transactions-auth-capture) — Learn how to authorize and capture payments for settlement using the API
* [Process card payments in Canada](/guides/pay-in-developer-transactions-canada) — Learn how to process card payments in Canada via the API
* [Cancel a Pay In transaction with the API](/guides/pay-in-developer-transactions-cancel) — Learn how to cancel a Pay In transaction using the API
* [Make a sale with a saved payment method](/guides/pay-in-developer-transactions-card-on-file) — Learn how to make a sale transaction via the API with a customer's saved payment method
* [Make a sale transaction with the API](/guides/pay-in-developer-transactions-create) — Learn how to authorize and capture a sales transaction in one step using the API
* [IVR payments overview](/guides/pay-in-ivr-overview) — How IVR payments work, payment types supported, and compliance considerations
* [Capture a check with your phone](/guides/pay-in-portal-rdc-cross-device-capture) — Learn how to capture a check with your phone and finish an RDC payment in the Virtual Terminal
* [Cancel a Pay In transaction (Portal)](/guides/pay-in-portal-transactions-cancel) — Void an unsettled transaction or refund a settled one from the Pay In Transactions report
* [Retry a transaction (Portal)](/guides/pay-in-portal-transactions-charge-again) — Rerun an existing transaction from the Transactions report to recover a declined payment or repeat a charge
* [Create a transaction (Portal)](/guides/pay-in-portal-transactions-create) — Initiate a payment from the Payabli Portal and capture authorized transactions
* [Manage Pay In transactions (Portal)](/guides/pay-in-portal-transactions-reports) — Filter and export transaction data, and void, refund, and manage individual transactions in the Payabli Portal
* [Tap to Pay overview](/guides/pay-in-tap-to-pay-overview) — Learn how Tap to Pay lets your app accept contactless, card-present payments with no external hardware

### Subscriptions and autopays

These guides cover tasks associated with subscriptions, scheduled payments, and autopay transactions.

* [Understand Pay In autopays](/guides/pay-in-autopays-overview) — Understand how Pay In autopays work and when to choose schedule-driven versus balance-driven billing
* [Manage subscriptions with the API](/guides/pay-in-developer-subscriptions-manage) — Learn how to create, update, and delete your scheduled, subscription, and autopay transactions with the Payabli API
* [Subscription utility code](/guides/pay-in-developer-subscriptions-utilities) — Use example code to enhance your subscription management via the API
* [Create an autopay](/guides/pay-in-portal-autopays-create) — Schedule automatic recurring charges for customers directly from their record in the Payabli Portal
* [Manage autopays](/guides/pay-in-portal-autopays-manage) — View, edit, pause, resume, and cancel scheduled autopays from the Payabli Portal

### Digital wallets

These guides cover configuring acceptance for digital wallets.

* [ExpressCheckout UI](/guides/pay-in-components-express-checkout) — Learn how to use the ExpressCheckout UI component on your site or in your app to securely accept digital wallet payments
* [Accept Apple Pay on a payment page](/guides/pay-in-developer-payment-page-apple-pay) — Learn how to accept Apple Pay on a hosted payment page
* [Activate Apple Pay (API)](/guides/pay-in-developer-wallets-apple-pay-enable) — Learn about setting up Apple Pay via the Payabli API
* [Manage Apple Pay (API)](/guides/pay-in-developer-wallets-apple-pay-manage) — Learn about managing Apple Pay and payment method domains via the Payabli API
* [Activate Google Pay™ (API)](/guides/pay-in-developer-wallets-google-pay-enable) — Learn about setting up Google Pay via the Payabli API
* [Manage Google Pay™ (API)](/guides/pay-in-developer-wallets-google-pay-manage) — Learn about managing Google Pay and payment method domains via the Payabli API
* [Manage digital wallet domains](/guides/pay-in-portal-wallets-domains-manage) — Add, verify, and manage the domains that can accept Apple Pay and Google Pay
* [Apple Pay overview](/guides/pay-in-wallets-apple-pay-overview) — Learn about using Apple Pay with Payabli
* [Google Pay™ overview](/guides/pay-in-wallets-google-pay-overview) — Learn about using Google Pay with Payabli

### Card present (devices)

These guides cover Payabli's card-present devices, which fall into two API categories. Cloud devices, also known as terminals, use the `cloud` method. AXIUM semi-integrated devices use the `device` method.

* [Manage AXIUM devices](/guides/pay-in-developer-devices-axium-manage) — Learn how to manage AXIUM devices with the Payabli API
* [AXIUM devices API quickstart](/guides/pay-in-developer-devices-axium-quickstart) — Activate an AXIUM terminal and make your first card-present transaction with the Payabli API
* [Manage Ingenico Link & Lane devices](/guides/pay-in-developer-devices-link-lane-manage) — Learn how to register, list, and unregister Ingenico Link and Lane devices with the Payabli API
* [Manage PAX devices](/guides/pay-in-developer-devices-pax-manage) — Learn how to set up, register, list, and unregister PAX devices with the Payabli API
* [Devices overview](/guides/pay-in-devices-overview) — Learn how to accept card-present payments with Payabli's cloud and AXIUM devices
* [Set up a PAX A920 device in the Payabli Portal](/guides/pay-in-portal-device-setup-pax-a920) — Learn how to set up a PAX A920 device in the Payabli Portal to make card-present sales
* [Activate an AXIUM device (Portal)](/guides/pay-in-portal-devices-axium-activate) — Learn how to connect a new AXIUM device and register it to your paypoint with an activation code from the Payabli Portal
* [Manage devices (Portal)](/guides/pay-in-portal-devices-manage) — Learn how to track, troubleshoot, and update your payment devices in the Payabli Portal

### Routing funds

Learn how to route funds from your Pay In transactions to different bank accounts or sub-merchants.

* [Route funds from a transaction](/guides/pay-in-developer-routing-multiple-accounts) — Route funds from transactions to different bank accounts for a single paypoint
* [Refund a split funded transaction](/guides/pay-in-developer-routing-refund-split) — Learn how to refund a transaction that was sent with split instructions
* [Split funds from a transaction](/guides/pay-in-developer-routing-split-funds) — Split funds from a transaction into different bank accounts or paypoints
* [Fund routing overview](/guides/pay-in-routing-overview) — Learn your options for sending Pay In funds into different accounts
* [Split payment chargebacks & returns](/guides/pay-in-split-disputes-overview) — Learn how Payabli handles chargebacks and ACH returns for split transactions

### Remote Deposit Capture (RDC)

These guides cover using Remote Deposit Capture (RDC) to convert paper checks into electronic payments.

* [Capturing in-person checks](/guides/pay-in-checks-rdc-overview) — Learn how to use remote deposit capture (RDC) to convert paper checks into electronic payments
* [Use Remote Deposit Capture (API)](/guides/pay-in-developer-checks-rdc) — Learn how to use remote deposit capture (RDC) to convert paper checks received in-person into electronic payments via the API
* [Capture a check with your phone](/guides/pay-in-portal-rdc-cross-device-capture) — Learn how to capture a check with your phone and finish an RDC payment in the Virtual Terminal

## Refunds

These guides cover handling refunds for Pay In transactions.

* [Cancel a Pay In transaction with the API](/guides/pay-in-developer-transactions-cancel) — Learn how to cancel a Pay In transaction using the API
* [Cancel a Pay In transaction (Portal)](/guides/pay-in-portal-transactions-cancel) — Void an unsettled transaction or refund a settled one from the Pay In Transactions report
* [Enhanced refund flow](/guides/pay-in-refunds-enhanced-flow-overview) — Learn how the Enhanced Refund Flow feature works to make card refunds more efficient
* [Understand refunds & failures](/guides/pay-in-refunds-failures-overview) — Learn about refunds and what to do when refunds fail
* [Split payment chargebacks & returns](/guides/pay-in-split-disputes-overview) — Learn how Payabli handles chargebacks and ACH returns for split transactions

## Invoice customers

Learn how to send invoices and create payment links so customers can pay your merchants.

* [Manage invoices with the API](/guides/pay-in-developer-invoices-manage) — Learn how to create, update, delete, and send invoices with the Payabli API
* [Pay by SMS](/guides/pay-in-developer-invoices-pay-by-sms) — Learn how pay by SMS works with Payabli
* [Manage Payment Links](/guides/pay-in-developer-payment-links-manage) — Learn how to generate, send, and manage payment links via the API
* [Invoice statuses & lifecycle](/guides/pay-in-invoices-lifecycle) — Understand how an invoice moves from draft to paid, and what each status means for follow-up
* [Decision guide: Invoice delivery](/guides/pay-in-invoicing-delivery-decision) — Use this guide to help you choose the right approach for creating and delivering invoices to customers
* [Create & send invoices (UI)](/guides/pay-in-portal-invoices-create) — Create, schedule, and send invoices to customers in the Payabli Portal
* [Manage invoices (UI)](/guides/pay-in-portal-invoices-manage) — Track, edit, and reconcile invoices from the Invoices report
* [Bills & invoices](/guides/platform-bills-vs-invoices) — Understand the difference between bills and invoices in Payabli
* [Manage line items with the API](/guides/platform-developer-line-items-manage) — Learn how to add and manage line items for products and services via the API
* [Manage line items & your catalog (Portal)](/guides/platform-portal-catalog-manage) — Add, edit, find, and delete products and services in the Payabli Portal

## Save payment information

Learn about saving (tokenizing) payment information for future use with Payabli.

* [Pay In](/guides/mobile-components-payin) — Natively add card and ACH payments to your mobile app with the Pay In component
* [EmbeddedMethod UI](/guides/pay-in-components-embeddedmethod-ui) — Learn how to use the EmbeddedMethod UI embedded component to add the ability to securely store a payment profile or execute a sale
* [PayMethod UI](/guides/pay-in-components-paymethod-ui) — Learn how to use the PayMethod UI embedded component to securely store a payment profile with a low-code modal-based UI.
* [Make a sale with a saved payment method](/guides/pay-in-developer-transactions-card-on-file) — Learn how to make a sale transaction via the API with a customer's saved payment method
* [Save a payment method with the API](/guides/platform-developer-tokenization-save-method) — Learn how to use the Payabli API to add and manage saved payment methods
* [Share payment method tokens (for developers)](/guides/platform-developer-tokenization-share-tokens) — Learn how to use universal tokens across paypoints
* [Extend embedded components with the temporary token flow (for developers)](/guides/platform-developer-tokenization-temp-flow) — Use the temporary token flow with embedded components to have complete control over user transaction experience without expanding PCI scope
* [Card Account Updater](/guides/platform-tokenization-card-updater) — Automatically refresh stored cards that are about to expire to reduce recurring payment declines
* [Payment method tokenization](/guides/platform-tokenization-overview) — Learn how payment method tokenization secures sensitive data and enhances security for your payments
* [Temporary token example app (for developers)](/guides/platform-tokenization-temp-token-app) — Go through a guided checkout experience using the temporary token flow

## Embedded components

These guides cover using Payabli's embeddable components to make transactions and save payment methods without expanding your PCI scope.

* [Mobile components overview](/guides/mobile-components-overview) — Learn how Payabli's native mobile SDK components let you accept payments in your mobile app
* [Pay In](/guides/mobile-components-payin) — Natively add card and ACH payments to your mobile app with the Pay In component
* [Tap to Pay](/guides/mobile-components-tap-to-pay) — Natively add contactless payments to your mobile app with Tap to Pay
* [EmbeddedMethod UI](/guides/pay-in-components-embeddedmethod-ui) — Learn how to use the EmbeddedMethod UI embedded component to add the ability to securely store a payment profile or execute a sale
* [ExpressCheckout UI](/guides/pay-in-components-express-checkout) — Learn how to use the ExpressCheckout UI component on your site or in your app to securely accept digital wallet payments
* [Embedded components overview](/guides/pay-in-components-overview) — Learn how to use Payabli's embedded components to create customized checkout experiences without handling sensitive payment information yourself
* [PayMethod UI](/guides/pay-in-components-paymethod-ui) — Learn how to use the PayMethod UI embedded component to securely store a payment profile with a low-code modal-based UI.
* [VirtualTerminal UI](/guides/pay-in-components-virtual-terminal-ui) — Learn how to use the VirtualTerminal UI component on your site or in your app to securely accept payments
* [Embedded components framework integrations](/guides/pay-in-developer-components-frameworks) — Learn how to use Payabli's embedded components with front-end frameworks like React and Vue
* [Extend embedded components with the temporary token flow (for developers)](/guides/platform-developer-tokenization-temp-flow) — Use the temporary token flow with embedded components to have complete control over user transaction experience without expanding PCI scope
* [Temporary token example app (for developers)](/guides/platform-tokenization-temp-token-app) — Go through a guided checkout experience using the temporary token flow

## Hosted Payment Pages

These guides cover using Payabli's Hosted Payment Pages to make transactions and save payment methods without expanding your PCI scope.

* [Accept Apple Pay on a payment page](/guides/pay-in-developer-payment-page-apple-pay) — Learn how to accept Apple Pay on a hosted payment page
* [Hosted payment page overview & quickstart](/guides/pay-in-payment-page-overview) — Build payment pages with no code, send to customers, and get paid with limited effort

## Reporting

Learn how to report on and manage your Pay In transactions, batches, disputes, and adjustments.

* [Manage Pay In batches & funding (Portal)](/guides/pay-in-portal-batches-funding-manage) — Learn how to report on and manage Pay In batches and funding in the Payabli Portal
* [Manage Pay In transactions (Portal)](/guides/pay-in-portal-transactions-reports) — Filter and export transaction data, and void, refund, and manage individual transactions in the Payabli Portal
* [Reconcile adjustments in transfers](/guides/pay-ops-developer-transfers-reconcile) — Learn how to use the Payabli API to track adjustments, such as ACH returns and chargebacks, in your money in transfers
* [Amigo boundaries & guardrails](/guides/platform-amigo-boundaries-overview) — Understand what Amigo can access, what it won't do, and the controls partners have over it
* [Amigo Insights overview](/guides/platform-amigo-overview) — Understand how Amigo, Payabli's AI agent, answers analytics and account questions in natural language
* [Payabli MCP server overview](/guides/platform-mcp-server-overview) — Understand how the Payabli MCP server gives your AI tools access to your organization's payments data
* [Use Amigo Insights for reports & analytics](/guides/platform-portal-amigo-use) — Learn how to open Amigo, ask questions, and revisit past conversations in the Payabli Portal
* [Customize the Portal dashboard](/guides/platform-portal-dashboard-customize) — Rearrange, resize, hide, and restore the blocks on your Payabli Portal dashboard
* [Connect your AI tool to Payabli](/guides/platform-portal-mcp-server-connect) — Learn how to add the Payabli MCP server to your AI tool and sign in to ask about your payments data

## General learning guides

These guides cover general Pay In topics that can help you understand how Pay In works.

* [ACH payments cycle](/guides/pay-in-ach-cycle-overview) — Learn how ACH transactions work
* [Credit card payments cycle](/guides/pay-in-cards-cycle-overview) — Learn how credit card transactions work
* [Payor fees](/guides/pay-in-payor-fees-overview) — Learn how payor fees work in Payabli and how to configure and send them on transactions
* [Understanding CIT & MIT indicators](/guides/pay-in-transactions-cit-mit-overview) — Learn about Cardholder Initiated Transaction (CIT) and Merchant Initiated Transaction (MIT) indicators for Pay In transactions
* [Level II & level III processing](/guides/pay-in-transactions-l2-l3-overview) — Learn about the fields required for Level I, II, and III processing
* [Pay in transaction lifecycle](/guides/pay-in-transactions-lifecycle-overview) — Learn about the Pay In transaction lifecycle and its stages and statuses
* [Understand payment statuses & funding statuses](/guides/pay-in-transactions-payment-vs-funding-status) — Understand why a Pay In transaction's payment status and funding status can disagree, and how to read a mismatch
* [Pay In quickstart](/guides/pay-in-transactions-quickstart) — Learn how to tokenize a payment method and make your first Pay In transaction
* [How money moves](/guides/platform-how-money-moves-overview) — Learn how transactions, batches, and transfers work together in Payabli to move money

## Troubleshooting

If you run into issues while using Payabli's Pay In features, check out [the Pay In troubleshooting guide](/guides/pay-in-troubleshooting) for help resolving common problems.

> If you're a software company, you're a payments company™

## Docs

- [Pay In quickstart](https://docs.payabli.com/guides/pay-in-transactions-quickstart.md): Learn how to tokenize a payment method and make your first Pay In transaction
- [Pay in transaction lifecycle](https://docs.payabli.com/guides/pay-in-transactions-lifecycle-overview.md): Learn about the Pay In transaction lifecycle and its stages and statuses
- [Understand payment statuses and funding statuses](https://docs.payabli.com/guides/pay-in-transactions-payment-vs-funding-status.md): Understand why a Pay In transaction's payment status and funding status can disagree, and how to read a mismatch
- [Batches overview](https://docs.payabli.com/guides/pay-in-batches-funding-overview.md): Understand how a batch and its funds move from open to funded, and what each exception status means