PayDo Guides

Getting Started

Overview

Authentication token creation

Services

Banking services

Certificates

Payload encryption

Create transfers

Transfers details

Balance

Statement

IPN (Instant Payment Notification)

C2B transfers integration

FX Exchange

Merchant Account

Payment Lifecycle

Payment Methods

Invoice API

Payment Method API

Tokenization API

Checkout API

Transaction API

Refund API

Merchant Balance Management

PayDo API Guides. vrs2

Production

Sandbox

<p class="slate-p " ><div style="width:100%;min-width:100%" class="callout-widget" data-type=info><div class="callout-icon"><svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M10.0628 14.1676C10.2434 14.1676 10.3927 14.1086 10.5107 13.9905C10.6288 13.8725 10.6878 13.7232 10.6878 13.5426V9.77177C10.6878 9.6051 10.6253 9.46274 10.5003 9.34469C10.3753 9.22663 10.2295 9.1676 10.0628 9.1676C9.88227 9.1676 9.73296 9.22663 9.61491 9.34469C9.49685 9.46274 9.43783 9.61205 9.43783 9.7926V13.5634C9.43783 13.7301 9.50033 13.8725 9.62533 13.9905C9.75033 14.1086 9.89616 14.1676 10.0628 14.1676ZM10.0003 7.62594C10.1948 7.62594 10.358 7.56344 10.4899 7.43844C10.6219 7.31344 10.6878 7.15371 10.6878 6.95927C10.6878 6.76482 10.6219 6.59816 10.4899 6.45927C10.358 6.32038 10.1948 6.25094 10.0003 6.25094C9.80588 6.25094 9.64269 6.32038 9.51074 6.45927C9.3788 6.59816 9.31283 6.76482 9.31283 6.95927C9.31283 7.15371 9.3788 7.31344 9.51074 7.43844C9.64269 7.56344 9.80588 7.62594 10.0003 7.62594ZM10.0003 18.3343C8.81977 18.3343 7.72255 18.1225 6.70866 17.6989C5.69477 17.2752 4.81283 16.6884 4.06283 15.9384C3.31283 15.1884 2.72602 14.3065 2.30241 13.2926C1.8788 12.2787 1.66699 11.1815 1.66699 10.0009C1.66699 8.83427 1.8788 7.74399 2.30241 6.7301C2.72602 5.71621 3.31283 4.83427 4.06283 4.08427C4.81283 3.33427 5.69477 2.74399 6.70866 2.31344C7.72255 1.88288 8.81977 1.6676 10.0003 1.6676C11.167 1.6676 12.2573 1.88288 13.2712 2.31344C14.285 2.74399 15.167 3.33427 15.917 4.08427C16.667 4.83427 17.2573 5.71621 17.6878 6.7301C18.1184 7.74399 18.3337 8.83427 18.3337 10.0009C18.3337 11.1815 18.1184 12.2787 17.6878 13.2926C17.2573 14.3065 16.667 15.1884 15.917 15.9384C15.167 16.6884 14.285 17.2752 13.2712 17.6989C12.2573 18.1225 11.167 18.3343 10.0003 18.3343ZM10.0003 17.0843C11.9448 17.0843 13.6114 16.3898 15.0003 15.0009C16.3892 13.612 17.0837 11.9454 17.0837 10.0009C17.0837 8.05649 16.3892 6.38982 15.0003 5.00094C13.6114 3.61205 11.9448 2.9176 10.0003 2.9176C8.05588 2.9176 6.38921 3.61205 5.00033 5.00094C3.61144 6.38982 2.91699 8.05649 2.91699 10.0009C2.91699 11.9454 3.61144 13.612 5.00033 15.0009C6.38921 16.3898 8.05588 17.0843 10.0003 17.0843Z" fill="#3960B4"></path></svg></div><div ><p class="slate-p " >PayDo API provides a secure and scalable platform that connects your business to global payment and banking infrastructure through one unified interface. Built on RESTful architecture and using JSON over HTTPS, it allows developers to integrate payment acceptance, fund transfers, account management, and reporting - all with enterprise-grade security and performance.</p></div></div><p class="slate-p " ></p><h2 class="slate-h2 " >Unified Financial Platform</h2><p class="slate-p " >The PayDo API brings together everything needed to run digital financial operations:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Checkout &amp; Merchant Payments</strong> – Accept online payments via cards, wallets, and local methods under one merchant account.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Banking &amp; Money Transfers</strong> – Operate banking account, send payments via SEPA Instant, FPS, SWIFT, and other payment rails, and transfer funds between Paydo wallets.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Wallet Management &amp; Balances</strong> – View real-time balances, automate internal fund routing.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Refunds &amp; Reconciliation</strong> – Handle customer refunds, settlement matching, and accounting synchronization programmatically.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Reporting &amp; Notifications</strong> – Access transaction details and receive instant updates through IPN webhooks for every event.</div></li></ul><p class="slate-p " >This unified approach simplifies system architecture — enabling merchants, fintechs, and platforms to launch faster, scale globally, and maintain full control over payment and banking operations.<br></p><h2 class="slate-h2 " >Key features</h2><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Multi-currency account management:</strong> Open and operate personal or merchant accounts to send, receive, and hold funds globally in multiple currencies.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Global money transfers:</strong> Execute payments via SEPA Instant, FPS, SWIFT and other payment rails, and transfer funds between Paydo wallets with transparent fees and real-time processing feedback.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Merchant checkout &amp; invoicing:</strong> Create invoices, display hosted payment pages, and process online transactions through cards and wallets.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Wallet and balance control:</strong> Retrieve balances, move funds between accounts, and automate cash-flow management within your PayDo ecosystem.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Refund and reconciliation management:</strong> Issue full or partial refunds via API and automatically match them to transactions for simplified financial reporting.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Flexible integration models:</strong> Choose from Hosted Page, Direct Integration, or Server-to-Server API depending on your compliance level and UX needs.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Encrypted data handling:</strong> Sensitive operations (e.g., bank or card transfers) require payload encryption with personal certificates using Sodium and Base64 encoding.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Instant notifications (IPN):</strong> Get real-time updates on transaction and refund statuses through automated callback URLs.<br></div></li></ul><h2 class="slate-h2 " >Business Value</h2><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Accelerate go-to-market:</strong> Deploy full payment and banking functionality with one integration and standard REST endpoints.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Operate globally, manage centrally:</strong> Support multi-region payment methods and currencies while keeping all operations visible in one system.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Simplify compliance:</strong> PayDo handles all KYC, AML, PSD2, and PCI DSS requirements, letting your teams focus on growth instead of regulation.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Automate and scale:</strong> Streamline invoicing, settlements, and fund transfers through automation and reduce manual reconciliation efforts.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Enterprise reliability:</strong> Built for financial institutions and high-volume merchants, PayDo delivers consistent uptime, resilience, and transaction accuracy at scale.</div></li></ul></p><p class="slate-p " ><br></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p>

<p class="slate-p " >Secure access to PayDo API is managed through JWT (JSON Web Token) authentication, using the Bearer Token standard. This ensures that every request to protected endpoints is verified and authorized.<br>To access PayDo secure API features, just include your valid JWT token in the Authorization header of each request.</p><div class="code-block-wrapper"  style="width:60%" ><div class="code-block-header">JSON</div><pre class="slate-CodeBlockElement slate-code_block"><textarea id="publishedPageCodeblock" style="display:none !important; visibility: hidden; opacity: 0; width: 1px; height: 1px;" type="hidden"></textarea><code class="language-json keep-markup drop-tokens"><div class="slate-code_line"><div class="slate-code_line">Authorization: Bearer YOUR_JWT_TOKEN
</div>
</div></code></pre></div><div style="width:60%;min-width:60%" class="callout-widget" data-type=info><div class="callout-icon"><svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M10.0628 14.1676C10.2434 14.1676 10.3927 14.1086 10.5107 13.9905C10.6288 13.8725 10.6878 13.7232 10.6878 13.5426V9.77177C10.6878 9.6051 10.6253 9.46274 10.5003 9.34469C10.3753 9.22663 10.2295 9.1676 10.0628 9.1676C9.88227 9.1676 9.73296 9.22663 9.61491 9.34469C9.49685 9.46274 9.43783 9.61205 9.43783 9.7926V13.5634C9.43783 13.7301 9.50033 13.8725 9.62533 13.9905C9.75033 14.1086 9.89616 14.1676 10.0628 14.1676ZM10.0003 7.62594C10.1948 7.62594 10.358 7.56344 10.4899 7.43844C10.6219 7.31344 10.6878 7.15371 10.6878 6.95927C10.6878 6.76482 10.6219 6.59816 10.4899 6.45927C10.358 6.32038 10.1948 6.25094 10.0003 6.25094C9.80588 6.25094 9.64269 6.32038 9.51074 6.45927C9.3788 6.59816 9.31283 6.76482 9.31283 6.95927C9.31283 7.15371 9.3788 7.31344 9.51074 7.43844C9.64269 7.56344 9.80588 7.62594 10.0003 7.62594ZM10.0003 18.3343C8.81977 18.3343 7.72255 18.1225 6.70866 17.6989C5.69477 17.2752 4.81283 16.6884 4.06283 15.9384C3.31283 15.1884 2.72602 14.3065 2.30241 13.2926C1.8788 12.2787 1.66699 11.1815 1.66699 10.0009C1.66699 8.83427 1.8788 7.74399 2.30241 6.7301C2.72602 5.71621 3.31283 4.83427 4.06283 4.08427C4.81283 3.33427 5.69477 2.74399 6.70866 2.31344C7.72255 1.88288 8.81977 1.6676 10.0003 1.6676C11.167 1.6676 12.2573 1.88288 13.2712 2.31344C14.285 2.74399 15.167 3.33427 15.917 4.08427C16.667 4.83427 17.2573 5.71621 17.6878 6.7301C18.1184 7.74399 18.3337 8.83427 18.3337 10.0009C18.3337 11.1815 18.1184 12.2787 17.6878 13.2926C17.2573 14.3065 16.667 15.1884 15.917 15.9384C15.167 16.6884 14.285 17.2752 13.2712 17.6989C12.2573 18.1225 11.167 18.3343 10.0003 18.3343ZM10.0003 17.0843C11.9448 17.0843 13.6114 16.3898 15.0003 15.0009C16.3892 13.612 17.0837 11.9454 17.0837 10.0009C17.0837 8.05649 16.3892 6.38982 15.0003 5.00094C13.6114 3.61205 11.9448 2.9176 10.0003 2.9176C8.05588 2.9176 6.38921 3.61205 5.00033 5.00094C3.61144 6.38982 2.91699 8.05649 2.91699 10.0009C2.91699 11.9454 3.61144 13.612 5.00033 15.0009C6.38921 16.3898 8.05588 17.0843 10.0003 17.0843Z" fill="#3960B4"></path></svg></div><div ><p class="slate-p " >The token can be configured as follows:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">Set a name for easy identification;</div></li><li class="slate-li " ><div style="position:relative">Define an expiration date (mandatory);</div></li><li class="slate-li " ><div style="position:relative">Use 2FA for added security during creation;</div></li><li class="slate-li " ><div style="position:relative">Generate multiple tokens as needed;</div></li><li class="slate-li " ><div style="position:relative">Optionally configure an IP whitelist to restrict token usage to specific IP addresses — or leave it open for broader access.</div></li></ul></div></div><p class="slate-p " >Tokens are shown only once upon creation. Store them securely — deleted tokens cannot be recovered or reused.<br>This modular and security-conscious approach gives developers precise control over access scopes, helping maintain integrity across integrations while protecting sensitive operations.</p><p class="slate-p slate-indent-0" style="0px">Instructions for creating a JWT token:</p><ol class="slate-ol " ><li class="slate-li " ><div style="position:relative">Log in to your Paydo business account</div></li><li class="slate-li " ><div style="position:relative">Go to the settings section in the sidebar</div></li><li class="slate-li " ><div style="position:relative">Go to the JWT Tokens section</div></li><li class="slate-li " ><div style="position:relative">Tap on &quot;Add new token&quot;</div></li><li class="slate-li " ><div style="position:relative">Select JWT token type</div></li><li class="slate-li " ><div style="position:relative">Add “Name”, &quot;Expiry date&quot;, and IP whitelist (if applicable)</div></li><li class="slate-li " ><div style="position:relative">Enter 2FA code</div></li><li class="slate-li " ><div style="position:relative">Copy and save your JWT token in a safe place; you won&apos;t be able to see it again</div></li></ol><p class="slate-p " ></p><p class="slate-p " ></p>

Secure access to PayDo API is managed through JWT (JSON Web Token) authentication, using the Bearer Token standard. This ensures that every request to protected endpoints is verified and authorized.
To access PayDo secure API features, just include your valid JWT token in the Authorization header of each request.

Tokens are shown only once upon creation. Store them securely — deleted tokens cannot be recovered or reused.
This modular and security-conscious approach gives developers precise control over access scopes, helping maintain integrity across integrations while protecting sensitive operations.

<div style="width:100%;min-width:100%" class="callout-widget" data-type=info><div class="callout-icon"><svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M10.0628 14.1676C10.2434 14.1676 10.3927 14.1086 10.5107 13.9905C10.6288 13.8725 10.6878 13.7232 10.6878 13.5426V9.77177C10.6878 9.6051 10.6253 9.46274 10.5003 9.34469C10.3753 9.22663 10.2295 9.1676 10.0628 9.1676C9.88227 9.1676 9.73296 9.22663 9.61491 9.34469C9.49685 9.46274 9.43783 9.61205 9.43783 9.7926V13.5634C9.43783 13.7301 9.50033 13.8725 9.62533 13.9905C9.75033 14.1086 9.89616 14.1676 10.0628 14.1676ZM10.0003 7.62594C10.1948 7.62594 10.358 7.56344 10.4899 7.43844C10.6219 7.31344 10.6878 7.15371 10.6878 6.95927C10.6878 6.76482 10.6219 6.59816 10.4899 6.45927C10.358 6.32038 10.1948 6.25094 10.0003 6.25094C9.80588 6.25094 9.64269 6.32038 9.51074 6.45927C9.3788 6.59816 9.31283 6.76482 9.31283 6.95927C9.31283 7.15371 9.3788 7.31344 9.51074 7.43844C9.64269 7.56344 9.80588 7.62594 10.0003 7.62594ZM10.0003 18.3343C8.81977 18.3343 7.72255 18.1225 6.70866 17.6989C5.69477 17.2752 4.81283 16.6884 4.06283 15.9384C3.31283 15.1884 2.72602 14.3065 2.30241 13.2926C1.8788 12.2787 1.66699 11.1815 1.66699 10.0009C1.66699 8.83427 1.8788 7.74399 2.30241 6.7301C2.72602 5.71621 3.31283 4.83427 4.06283 4.08427C4.81283 3.33427 5.69477 2.74399 6.70866 2.31344C7.72255 1.88288 8.81977 1.6676 10.0003 1.6676C11.167 1.6676 12.2573 1.88288 13.2712 2.31344C14.285 2.74399 15.167 3.33427 15.917 4.08427C16.667 4.83427 17.2573 5.71621 17.6878 6.7301C18.1184 7.74399 18.3337 8.83427 18.3337 10.0009C18.3337 11.1815 18.1184 12.2787 17.6878 13.2926C17.2573 14.3065 16.667 15.1884 15.917 15.9384C15.167 16.6884 14.285 17.2752 13.2712 17.6989C12.2573 18.1225 11.167 18.3343 10.0003 18.3343ZM10.0003 17.0843C11.9448 17.0843 13.6114 16.3898 15.0003 15.0009C16.3892 13.612 17.0837 11.9454 17.0837 10.0009C17.0837 8.05649 16.3892 6.38982 15.0003 5.00094C13.6114 3.61205 11.9448 2.9176 10.0003 2.9176C8.05588 2.9176 6.38921 3.61205 5.00033 5.00094C3.61144 6.38982 2.91699 8.05649 2.91699 10.0009C2.91699 11.9454 3.61144 13.612 5.00033 15.0009C6.38921 16.3898 8.05588 17.0843 10.0003 17.0843Z" fill="#3960B4"></path></svg></div><div ><p class="slate-p slate-indent-0" style="0px"><strong class="slate-bold">Banking Services section</strong> of the PayDo API provides a unified interface for managing your company’s financial operations directly through your PayDo business account. It enables seamless access to account balances, fund transfers, payment tracking, and transaction management — all within a secure, programmable environment designed for automation and scalability. With these endpoints, you can perform core banking activities such as checking wallet balances, sending funds via SEPA Instant, FPS, SWIFT, and other local payment rails, transferring between PayDo accounts, and retrieving detailed transaction data — all through a single, reliable API. </p></div></div><div class="slate-hr"><hr contenteditable="false" class="slate-HrElement-hr"/></div><div class=card-group-box style="width:100%; min-width:540px;"><div class="card-box"><img src=https://cdn.jsdelivr.net/npm/emoji-datasource-apple/img/apple/64/1f3e6.png class=card-icon></img><div ><h3 class="slate-h3 " >Bank Transfers</h3><p class="slate-p " >Initiate one or multiple bank payments through SEPA Instant, SWIFT, or local networks directly</p></div></div><div class="card-box"><img src=https://cdn.jsdelivr.net/npm/emoji-datasource-apple/img/apple/64/1f4b3.png class=card-icon></img><div ><h3 class="slate-h3 " >Card Transfers</h3><p class="slate-p " >Send payouts or refunds directly to a recipient’s debit or credit card with fast global delivery.</p></div></div><div class="card-box"><img src=https://cdn.jsdelivr.net/npm/emoji-datasource-apple/img/apple/64/1f5f3-fe0f.png class=card-icon></img><div ><h3 class="slate-h3 " >Transfer Between Customers</h3><p class="slate-p " >Instantly move funds between PayDo wallets — for customer payments, internal settlements, or partner commissions.</p></div></div><div class="card-box"><img src=https://d24lr4zqs1tgqh.cloudfront.net/053ec2a1-31dd-4e9f-bafc-7f1c5967940d-68e95c240a4fe1748814051a.png class=card-icon></img><div ><h3 class="slate-h3 " >Crypto Transfers</h3><p class="slate-p " >Initiate currency transfers to  external Cryptowallets, supporting fast execution and clear fee calculation.</p></div></div></div><p class="slate-p " ></p><h3 class="slate-h3 " ><span class="slate-color" style="color:rgb(0, 0, 0)">Business Overview</span></h3><p class="slate-p " >The Banking API acts as the <strong class="slate-bold">central hub for financial control</strong> in your PayDo ecosystem. It connects your business platform, back-office systems, or ERP with PayDo’s regulated payment infrastructure to ensure real-time visibility and operational efficiency.</p><p class="slate-p " >Typical use cases include:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Automating corporate payouts</strong> to suppliers, partners, or employees.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Consolidating balances</strong> across multi-currency accounts for liquidity management.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Reconciling incoming and outgoing transfers</strong> with your internal accounting system.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Monitoring payment statuses</strong> and transaction history programmatically.</div></li></ul><p class="slate-p " >By integrating PayDo’s Banking API, businesses can replace manual processes with secure automation, gain instant access to financial insights, and ensure compliance with international KYC, AML, and data security standards.</p><div class="slate-hr"><hr contenteditable="false" class="slate-HrElement-hr"/></div><h3 class="slate-h3 " >Key Capabilities</h3><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Multi-currency fund management</strong> – View and operate accounts across supported currencies.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Global transfers</strong> – Execute domestic and international payments through SEPA Instant, SWIFT, and local networks.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Instant PayDo wallet transfers</strong> – Move funds instantly between internal or customer accounts.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Encrypted operations</strong> – Use personal encryption certificates and Sodium-based cryptography for secure payload handling.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Comprehensive reporting</strong> – Retrieve full transaction histories and payment details via API for audit and analysis.</div></li></ul><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p>

 in your PayDo ecosystem. It connects your business platform, back-office systems, or ERP with PayDo’s regulated payment infrastructure to ensure real-time visibility and operational efficiency.

By integrating PayDo’s Banking API, businesses can replace manual processes with secure automation, gain instant access to financial insights, and ensure compliance with international KYC, AML, and data security standards.

<p class="slate-p " ></p><p class="slate-p " ><p class="slate-p " >The PayDo Merchant API gives your platform programmatic access to PayDo&apos;s payment infrastructure. Use it to build checkout flows, automate reconciliation, manage wallet funds, and receive real-time payment events — all through a single RESTful interface.</p><p class="slate-p " >The API uses JSON over HTTPS. Every request must include the appropriate authentication credential — either a JWT Bearer token or a request signature, depending on the endpoint. Responses follow standard HTTP status codes; error responses include field-level detail where applicable.</p><p class="slate-p " ><strong class="slate-bold">Base URL:</strong> <code class="slate-code">https://paydo.com</code></p><div class="slate-hr"><hr contenteditable="false" class="slate-HrElement-hr"/></div><h4 class="slate-h4 " >Payments</h4><p class="slate-p " >Create invoices and initiate checkout transactions through three integration models: a PayDo-hosted checkout page that requires no PCI DSS certification, a direct redirection flow that pre-selects a payment method, and a server-to-server flow for backend-initiated card debits. All models support card payments and alternative payment methods, 3DS authentication handling, and IPN-based outcome delivery.</p><h4 class="slate-h4 " >Refunds</h4><p class="slate-p " >Initiate full or partial refunds against any accepted transaction. Refunds are processed asynchronously — each refund has its own identifier and status lifecycle, and can be retrieved individually or listed across the account.</p><h4 class="slate-h4 " >Wallet Balances</h4><p class="slate-p " >Retrieve current balances across all wallets and currencies associated with your merchant account. Query balances at a specific point in time, inspect individual wallet accounts, and monitor available funds before initiating transfers or withdrawals.</p><h4 class="slate-h4 " >Fund Transfers and Withdrawals</h4><p class="slate-p " >Transfer funds between PayDo wallets by email, wallet ID, or account reference. Withdraw funds to external bank accounts or payment cards using encrypted payloads. Validate recipient IBAN and BBAN account numbers before submitting withdrawal requests.</p><h4 class="slate-h4 " >Currency Conversion</h4><p class="slate-p " >Reserve real-time exchange rate quotes for a currency pair and execute conversions at the locked rate within the reservation window. Retrieve indicative rates and conversion previews for display purposes without committing to an exchange.</p><h4 class="slate-h4 " >Notifications</h4><p class="slate-p " >Configure IPN webhook endpoints to receive HTTP POST notifications when transactions, refunds, or currency exchanges reach a terminal state. PayDo retries delivery for up to 24 hours if your endpoint does not respond with HTTP 200.</p></p>

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