Pay Ops overview

Applies to:DevelopersPartnersPaypoints

Pay Ops is the operational layer of your payment program: boarding, account and entity management, reporting, risk and underwriting, disputes, and billing. These are the ongoing responsibilities that come with running a payment program: boarding merchants, managing accounts, monitoring activity, and handling exceptions. Without dedicated tooling, that work lands as one-off requests and manual fixes. Pay Ops gives those workflows structure, so operations scale with your program rather than falling behind it. These sections cover each area.

Payabli’s Pay Ops capabilities include:

Merchant boarding
Robust reporting and notifications
Organization, paypoint, user, customer, and vendor management (known as entities in Payabli)
Managing disputes and compliance

If you’re brand new to Payabli and want to understand the basics of how money moves, check out the intro here: How Money Moves.

These guides will help you get up and running with Payabli’s Pay Ops features.

Boarding

Boarding is the process of signing up merchants to your payment platform. Payabli provides tools to help you onboard merchants quickly and securely.

Boarding application statuses

Learn about the statuses a boarding application moves through and what moves it from one status to the next

Merchant application tips

Learn how to avoid common merchant application problems

Bank account functions & account IDs

Understand how deposit, withdrawal, and remittance accounts work and how account IDs route transactions

Decision guide: Merchant boarding

Choose how your platform boards merchants with intelligent boarding

Boarding application field explorer

Learn how boarding application fields interact and which are required and recommended

Funding accounts

Understand who owns a paypoint’s bank accounts and how usages decide which money each account handles

Required fields for boarding applications

Learn more about the Know Your Customer (KYC) and Know Your Business (KYB) fields required for merchant boarding

Intelligent boarding overview

Understand the objects and application lifecycle behind intelligent boarding paypoints on Payabli

Boarding overview

Learn how merchant boarding works in Payabli

Boarding statuses reference

Learn about statuses and substatuses during the merchant boarding process

Manage applications with the API

Learn how to create, submit, and track boarding applications with the Payabli API

Add additional data to boarding applications

Learn how additionalData works in boarding applications

Request more services with the API

Learn how to request more Pay In or Pay Out services for a paypoint that’s already boarded

Get boarding app notes & events

Learn how to see an application’s notes and events via the Payabli API

Migrate from legacy boarding to intelligent boarding

Learn how to move a boarding integration from the legacy Boarding endpoints to the intelligent boarding API

Multi-product boarding

Add new services to an existing paypoint by linking a new boarding application

Board a new business with the API

Learn how to board a new business from scratch, starting with its paypoint

Add a location for a business with the API

Learn how to board a new location for a business that’s already on Payabli, reusing the business’s details, people, and bank accounts

Manage organizations with the API

Learn how to create, read, update, and list boarding organizations with the Payabli API

Manage paypoints with the API

Learn how to create, read, update, and list boarding paypoints with the Payabli API

API-driven boarding quickstart

Learn to use example code to set up a custom app for boarding using the Payabli API

Send prefilled boarding applications

Learn how to send prefilled boarding applications to prospective merchants

Manage business entities with the API

Learn how to create, read, update, and deactivate boarding business entities with the Payabli API

Manage payment methods with the API

Learn how to create, read, update, and deactivate payment methods with the Payabli API

Manage people with the API

Learn how to create, read, update, and search the people behind a business with the Payabli API

Manage boarding templates with the API

Learn how to list, read, update, and archive boarding templates with the Payabli API

Manage boarding in the UI

Learn how to manage the boarding process for paypoints in the Payabli UI

Reporting and notifications

Payabli offers robust reporting tools and webhooks to help you track transactions, settlements, and other key metrics. Amigo, Payabli’s AI agent, can also answer plain-English questions about this data directly in the Portal. You can also set up notifications to stay informed about important events.

Notifications

Review notification logs with the API

Learn how to use the Payabli API to search notification deliveries, read why one failed, and retry it

Manage notifications

Learn how to use the Payabli API to add notifications and automated reports for important events

Webhook quickstart

Learn to use example code to set up webhooks for payment notifications

Notifications & reports overview

Get automated reports and notifications for key events

Review notification logs (Portal)

Find a notification Payabli sent, see why a delivery failed, and retry it

Manage notifications (Portal)

Learn how to add and manage event notifications in the UI

Manage webhooks (Portal)

Add a webhook, change the events it sends, and trace what a given event delivered

Reporting

Reconcile adjustments in transfers

Learn how to use the Payabli API to track adjustments, such as ACH returns and chargebacks, in your money in transfers

Manage automated reports (Portal)

Learn how to schedule automated reports and manage report recipients in the UI

Manage custom reports

Build, save, and reuse custom reports from any report table in the Payabli Portal

Reporting & analytics overview

Compare the reporting APIs, Portal dashboard, Portal reports, and Amigo Insights to choose the right tool for your data

Choose a data source for analytics

Understand when to use the statistics API, the query API, or webhooks to build metrics from your Payabli data

Use reporting endpoints

Learn how to use the query and statistics Payabli API endpoints for tailored reporting

Managing merchant ACH debit failures & returns

Learn how to manage merchant ACH debit failures and returns and how they impact merchant funding and transfers

Audit payout transactions with the API

Learn how to use the Payabli API to track and audit payout transactions

Amigo boundaries & guardrails

Understand what Amigo can access, what it won’t do, and the controls partners have over it

Amigo Insights overview

Understand how Amigo, Payabli’s AI agent, answers analytics and account questions in natural language

Payabli 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

Learn how to open Amigo, ask questions, and revisit past conversations in the Payabli Portal

Customize the Portal dashboard

Rearrange, resize, hide, and restore the blocks on your Payabli Portal dashboard

Connect your AI tool to Payabli

Learn how to add the Payabli MCP server to your AI tool and sign in to ask about your payments data

Entities

Entities in Payabli refer to the people and businesses that interact with your payment platform, including vendors, customers, and users. Payabli provides tools to help you manage these entities effectively.

Manage customers (Portal)

Add, edit, and manage customer records in the Payabli Portal

Manage Customers with the API

Learn how to add and manage customers with the Payabli API

Manage users

Learn how to add and manage users in Payabli

Organizations overview

Understand how organizations structure hierarchy, access, and configuration in Payabli

Paypoint statuses

Learn about the different statuses of paypoints

Manage organizations (Portal)

Add and edit organizations in Payabli Portal

Manage paypoints

View the merchant paypoints in your organization, check their status, and open one in the Payabli Portal

Manage users (UI)

Invite users, adjust their roles, and manage credentials in the Payabli Portal

User roles overview

Learn about user roles and permissions

Manage vendors with the API

Learn how to add and manage vendors with the Payabli API

Create vendors (Portal)

Add vendors to Payabli manually, by scanning an invoice, or with a bulk import

Manage vendors (Portal)

Find, view, update, and remove your vendor records in the Payabli Portal to keep payout details current

Entities overview

Understand how entities like organizations, sub-organizations, paypoints, customers, and vendors work in Payabli

Explore organizations & paypoints

Learn how to understand and navigate your organization hierarchy

Disputes

Disputes, like chargebacks and returns, are part of payment processing. Payabli offers tools to help you manage these situations effectively and minimize their impact on your business.

Payment disputes

Learn how payment disputes like chargebacks and ACH returns work

ACH return codes reference

Understand how to handle different types of ACH returns

Reconcile adjustments in transfers

Learn how to use the Payabli API to track adjustments, such as ACH returns and chargebacks, in your money in transfers

Risk and compliance

These guides cover risk and compliance topics related to Pay In.

PCI compliance best practices

Learn how to protect cardholder data and reduce risk in card-not-present environments

Risk & compliance basics

Learn about suspicious activity detection and compliance in payment processing

Billing and fees

These guides cover billing and fees topics to help you understand Payabli’s billing and fee structures.

Payor fees

Learn how payor fees work in Payabli and how to configure and send them on transactions

Merchant processing pricing & fees

Learn how merchant processing fees work in Payabli

Retrieve pricing with the billing profile API

List an organization’s billing profiles and read the pricing assigned to an entity

Understanding processing fees statements

Learn how to interpret merchant statements for processing fees

Account management

These guides cover topics related to general account management in Payabli.

Bank account change lifecycle

Understand how a paypoint’s bank account change moves from request to completion

Submit a bank account change with the API

Validate, create, and track a bank account change with the Case Management API

Understanding processing fees statements

Learn how to interpret merchant statements for processing fees

Manage bank account changes (Portal)

Create, track, and action bank account changes from the Bank Changes queue

Supported regions

Learn which countries and territories are supported for Pay In and Pay Out features

Understanding thresholds

Learn about how threshold amounts affect your payment processing

Create your Payabli user account

Learn how to complete your account setup and configure MFA when you’re invited to the Payabli Portal

Manage your profile

Update your personal information and MFA settings in the Payabli Portal

Troubleshooting

If you run into issues while using Payabli’s Pay Ops features, check out the Pay Ops troubleshooting guide for help resolving common problems.