> This is Payabli documentation. For a complete page index, fetch https://docs.payabli.com/llms.txt — append .md to any page URL for lightweight markdown. For section-level indexes, query parameters, and other AI-optimized access methods, see https://docs.payabli.com/ai-agents.md

# Payabli Docs

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

# Payabli Docs

> Payabli is an embedded payments platform that lets software companies integrate Pay In (receivables), Pay Out (payables), and Pay Ops (operations) into their products. Append `.md` to any page URL for lightweight markdown.

## Documentation sections

* **[Guides](/guides)** — Step-by-step integration guides, conceptual explanations, and platform documentation
* **[Developer tools](/developers/platform-developer-tools-overview)** — API references, server SDKs, embedded components, and developer tooling
* **[Changelogs](/changelog)** — Release notes for the API, embedded components, and SDKs
* **[Cookbooks](/cookbooks)** — Short, focused API recipes for common tasks

## Choose your path

### Integrate Payabli (for developers)

Quickstarts, API reference, SDKs in eight languages, embedded components, and webhooks.

* [Developer quickstart](/developers/platform-developer-quickstart) — Make your first API call
* [Authentication](/developers/authentication) — OAuth2 Bearer tokens, recommended for new integrations
* [API reference](/developers/api-reference/api-overview) — Environments, rate limits, pagination, and best practices
* [Server SDKs](/developers/platform-sdk-server-overview) — Official server-side SDKs for eight languages
* [Payment methods for testing](/guides/test-accounts-reference) — Sandbox cards, ACH accounts, and decline scenarios
* [Embedded components overview](/guides/pay-in-components-overview) — Custom checkout without handling sensitive payment data
* [Webhook quickstart](/guides/pay-ops-developer-webhooks-quickstart) — Example code for real-time payment event notifications
* [Agent Skills](/developers/platform-developer-agent-skills) — Install skills so your coding agent builds integrations
* [Guides](/guides) — Integration walkthroughs, Portal guides, and concepts

### Operate Payabli (for partners)

Board merchants, manage paypoints, configure notifications, and run day-to-day operations.

* [Boarding overview](/guides/pay-ops-boarding-overview) — How boarding works, from template to activation
* [Payabli Portal overview](/guides/platform-portal-overview) — What the Portal is and what it enables for your team
* [Notifications and reports overview](/guides/pay-ops-notifications-webhooks-overview) — Automated alerts by email, SMS, or webhook
* [Reporting endpoints](/guides/pay-ops-reporting-overview) — Query and statistics endpoints for tailored reports
* [Navigate the Payabli Portal](/guides/platform-portal-navigation-overview) — The layout of Pay In, Pay Out, and Pay Ops in the UI
* [Amigo™](/guides/platform-amigo-overview) — Ask analytics and account questions in plain language
* [Decision guide: Webhooks vs polling](/guides/pay-ops-notifications-webhooks-vs-polling) — Choose between real-time webhooks and polling APIs
* [Webhooks reference](/developers/api-reference/webhooks-overview) — The payload for each event
* [Manage organizations](/guides/pay-ops-portal-organizations-manage) — Organization hierarchies and paypoint associations
* [Manage paypoints](/guides/pay-ops-portal-paypoints-manage) — Paypoints in the Payabli Portal
* [Payment disputes](/guides/pay-ops-disputes-chargebacks-returns-overview) — How chargebacks and ACH returns work

### Understand Payabli (for everyone)

How the platform fits together, what each area does, and the concepts behind money movement.

* [Run your payments with Payabli](/guides/platform-payabli-three-ps-overview) — The three Ps: Pay In, Pay Out, and Pay Ops
* [How money moves](/guides/platform-how-money-moves-overview) — How transactions, batches, and transfers work together
* [Get started with Payabli](/guides/platform-getting-started-overview) — From signing with Payabli to your first residual check
* [Payment glossary](/guides/platform-payment-glossary) — Terms used in Payabli and across the payments industry
* [Pay In overview](/guides/pay-in-overview) — Accept payments by card, ACH, check, digital wallet, or hosted page
* [Pay Out overview](/guides/pay-out-overview) — Pay vendors by virtual card, ACH, or check
* [Pay Ops overview](/guides/pay-ops-overview) — Board merchants, manage entities, report, and handle disputes
* [Payment method tokenization](/guides/platform-tokenization-overview) — How tokens replace card and bank details
* [Pricing and fees](/guides/pay-ops-billing-and-fees-overview) — How merchant processing fees work
* [Supported regions](/guides/pay-ops-supported-regions-overview) — Countries and territories Payabli supports

## Efficient access for AI agents

For lower token cost, use these instead of fetching full web pages:

* **[Agent Skills](/developers/platform-developer-agent-skills)** — Guide your coding agent as it writes Payabli code
* **[MCP server](/developers/platform-developer-mcp)** — Connect Claude Code, Cursor, or Windsurf to search and retrieve Payabli docs while you code
* **Per-page markdown** — Append `.md` to any page URL (e.g., `https://docs.payabli.com/guides/pay-in-overview.md`)
* **[llms.txt endpoints](/ai-agents#section-level-endpoints)** — Site-wide and section-level page indexes for your tool's rules file
* **[OpenAPI spec](/ai-agents#openapi-specification)** — Download the full API surface
* **[Context7](/ai-agents#context7)** — Pull docs into Context7-compatible tools
* **[AI agent access](/ai-agents)** — Everything above, plus query parameters and token sizes

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