PayDo Guides

Getting Started

Overview

Authentication token creation

Services

Banking services

Certificates

Payload encription

Create transfers

Transfers details

Balance

Statement

IPN (Instant Payment Notification)

C2B transfers integration

FX Exchange

Merchant account

Integration options

Hosted page

Direct integration

Server-to-server

Payment methods

Get Payment methods

Invoice

Create Invoice

Get Invoice

Transactions

Create Card token

Create Checkout

Get Transaction status

Get Transaction details

Refund

Create Refund

Get Refund

Get Refunds list

Acquiring Integration Guide

PayDo API Guides. vrs2

Production

Sandbox

<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">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. With PayDo, businesses can manage both customer-facing payment flows (checkouts, invoices, refunds) and back-office banking operations (accounts, money transfers, transaction details, and reports) through a single API.</p><h3 class="slate-h3 " ></h3></div></div><h3 class="slate-h3 " >Unified Financial Platform</h3><p class="slate-p slate-indent-0" style="0px">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 slate-indent-0" style="0px">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.</p><h3 class="slate-h3 " >Key features</h3><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"> </span><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Multi-currency account management:</strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)"> Open and operate personal or merchant accounts to send, receive, and hold funds globally in multiple currencies.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Global money transfers:</strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)"> 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.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Merchant checkout &amp; invoicing:</strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)"> Create invoices, display hosted payment pages, and process online transactions through cards and wallets.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Wallet and balance control:</strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)"> Retrieve balances, move funds between accounts, and automate cash-flow management within your PayDo ecosystem.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Refund and reconciliation management: </strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)">Issue full or partial refunds via API and automatically match them to transactions for simplified financial reporting.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Flexible integration models:</strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)"> Choose from Hosted Page, Direct Integration, or Server-to-Server API depending on your compliance level and UX needs.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Encrypted data handling:</strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)"> Sensitive operations (e.g., bank or card transfers) require payload encryption with personal certificates using Sodium and Base64 encoding.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Instant notifications (IPN):</strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)"> Get real-time updates on transaction and refund statuses through automated callback URLs.</span></div></li></ul><p class="slate-p " ></p><h3 class="slate-h3 " >Business Value</h3><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Accelerate go-to-market:</strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)"> Deploy full payment and banking functionality with one integration and standard REST endpoints.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Operate globally, manage centrally: </strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)">Support multi-region payment methods and currencies while keeping all operations visible in one system.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Simplify compliance: </strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)">PayDo handles all KYC, AML, PSD2, and PCI DSS requirements, letting your teams focus on growth instead of regulation.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Automate and scale: </strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)">Streamline invoicing, settlements, and fund transfers through automation and reduce manual reconciliation efforts.</span></div></li><li class="slate-li " ><div style="position:relative"><span style="background-color:transparent;color:rgb(0, 0, 0)"><strong class="slate-bold">Enterprise reliability:</strong></span><span style="background-color:transparent;color:rgb(0, 0, 0)"> Built for financial institutions and high-volume merchants, PayDo delivers consistent uptime, resilience, and transaction accuracy at scale.</span></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>

The PayDo API brings together everything needed to run digital financial operations:

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.

<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.
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.
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>

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 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 slate-indent-0" style="0px">In Paydo API, a certificate is a personal encryption key used to secure sensitive request payloads. It ensures that only Paydo can decrypt the data you send, adding an essential layer of protection for operations that require confidentiality.</p><p class="slate-p slate-indent-0" style="0px">Certificate generation instructions:</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 Certificate section</div></li><li class="slate-li " ><div style="position:relative">Tap on &quot;Generate new certificate&quot;</div></li><li class="slate-li " ><div style="position:relative">Enter 2FA</div></li><li class="slate-li " ><div style="position:relative">After entering the two-factor authentication code, the certificate file will be automatically downloaded</div></li><li class="slate-li " ><div style="position:relative">Once generated, the certificate can be used to encrypt request payloads using the Sodium encryption library.</div></li></ol><p class="slate-p " ></p><p class="slate-p " ></p>

In Paydo API, a certificate is a personal encryption key used to secure sensitive request payloads. It ensures that only Paydo can decrypt the data you send, adding an essential layer of protection for operations that require confidentiality.

<p class="slate-p " >Certain PayDo API endpoints require <strong class="slate-bold">encrypted payloads</strong> to protect sensitive financial and personal data. For these endpoints, the request body must be <strong class="slate-bold">encrypted using your personal certificate</strong> before being sent to PayDo. Encryption ensures that confidential data cannot be intercepted or tampered with during transmission.</p><div style="width:100%;
	min-width:100%;" class="callout-widget" data-type=error ><div class="callout-icon"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M9.08366 9.9801C9.25033 9.9801 9.39269 9.92107 9.51074 9.80302C9.6288 9.68496 9.68783 9.53566 9.68783 9.3551V5.31344C9.68783 5.14677 9.62533 5.00441 9.50033 4.88635C9.37533 4.7683 9.22949 4.70927 9.06283 4.70927C8.88227 4.70927 8.73296 4.7683 8.61491 4.88635C8.49685 5.00441 8.43783 5.15371 8.43783 5.33427V9.37594C8.43783 9.5426 8.50033 9.68496 8.62533 9.80302C8.75033 9.92107 8.9031 9.9801 9.08366 9.9801ZM9.00033 13.1676C9.19477 13.1676 9.35796 13.1016 9.48991 12.9697C9.62185 12.8377 9.68783 12.6745 9.68783 12.4801C9.68783 12.2857 9.62185 12.1225 9.48991 11.9905C9.35796 11.8586 9.19477 11.7926 9.00033 11.7926C8.80588 11.7926 8.64269 11.8586 8.51074 11.9905C8.3788 12.1225 8.31283 12.2857 8.31283 12.4801C8.31283 12.6745 8.3788 12.8377 8.51074 12.9697C8.64269 13.1016 8.80588 13.1676 9.00033 13.1676ZM9.00033 17.3343C7.81977 17.3343 6.72255 17.1225 5.70866 16.6989C4.69477 16.2752 3.81283 15.6884 3.06283 14.9384C2.31283 14.1884 1.72602 13.3065 1.30241 12.2926C0.878798 11.2787 0.666992 10.1815 0.666992 9.00094C0.666992 7.83427 0.878798 6.74399 1.30241 5.7301C1.72602 4.71621 2.31283 3.83427 3.06283 3.08427C3.81283 2.33427 4.69477 1.74399 5.70866 1.31344C6.72255 0.88288 7.81977 0.667603 9.00033 0.667603C10.167 0.667603 11.2573 0.88288 12.2712 1.31344C13.285 1.74399 14.167 2.33427 14.917 3.08427C15.667 3.83427 16.2573 4.71621 16.6878 5.7301C17.1184 6.74399 17.3337 7.83427 17.3337 9.00094C17.3337 10.1815 17.1184 11.2787 16.6878 12.2926C16.2573 13.3065 15.667 14.1884 14.917 14.9384C14.167 15.6884 13.285 16.2752 12.2712 16.6989C11.2573 17.1225 10.167 17.3343 9.00033 17.3343ZM9.00033 16.0843C10.9448 16.0843 12.6114 15.3898 14.0003 14.0009C15.3892 12.612 16.0837 10.9454 16.0837 9.00094C16.0837 7.05649 15.3892 5.38982 14.0003 4.00094C12.6114 2.61205 10.9448 1.9176 9.00033 1.9176C7.05588 1.9176 5.38921 2.61205 4.00033 4.00094C2.61144 5.38982 1.91699 7.05649 1.91699 9.00094C1.91699 10.9454 2.61144 12.6989 4.00033 14.0009C5.38921 15.3898 7.05588 16.0843 9.00033 16.0843Z" fill="#E90005"></path></svg></div><div ><p class="slate-p " ><strong class="slate-bold">Endpoints requiring encryption</strong></p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><a href="68e95c240a4fe1748814052c/68e95c240a4fe17488140573" target="">Create bank transfer</a></div></li><li class="slate-li " ><div style="position:relative"><a href="68e95c240a4fe1748814052c/68e95c240a4fe17488140630" target="">Create card transfer</a></div></li><li class="slate-li " ><div style="position:relative"><a href="68e95c240a4fe1748814052c/68e95c240a4fe1748814059b" target="">Create transfer between PayDo customers</a></div></li></ul></div></div><h3 class="slate-h3 " >Encryption process</h3><p class="slate-p " >Before sending your request:</p><div class="steps-widget" style="width:100%;
  	min-width:100%;"><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >1</h6><h4 class="slate-h4 " >Encrypt the payload</h4><p class="slate-p " >Using <strong class="slate-bold">Sodium Sealed Boxes</strong> (available in most languages, including Python and PHP).</p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >2</h6><h4 class="slate-h4 " >Encode the encrypted binary data using <strong class="slate-bold">Base64</strong>.</h4></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >3</h6><h4 class="slate-h4 " >Include the encoded payload in the request body of your API call.</h4></div></div></div><div style="width:100%;
	min-width:100%;" class="callout-widget" data-type=warning ><div class="callout-icon"><svg width="18" height="16" viewBox="0 0 18 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.916637 15.5009C0.791637 15.5009 0.683998 15.4732 0.59372 15.4176C0.503443 15.362 0.430526 15.2857 0.37497 15.1884C0.319415 15.0912 0.288165 14.9905 0.28122 14.8864C0.274276 14.7822 0.305526 14.6745 0.37497 14.5634L8.4583 0.605103C8.52775 0.493991 8.60761 0.41413 8.69789 0.365519C8.78816 0.316908 8.88886 0.292603 8.99997 0.292603C9.11108 0.292603 9.21178 0.316908 9.30205 0.365519C9.39233 0.41413 9.47219 0.493991 9.54164 0.605103L17.625 14.5634C17.6944 14.6745 17.7257 14.7822 17.7187 14.8864C17.7118 14.9905 17.6805 15.0912 17.625 15.1884C17.5694 15.2857 17.4965 15.362 17.4062 15.4176C17.3159 15.4732 17.2083 15.5009 17.0833 15.5009H0.916637ZM1.99997 14.2509H16L8.99997 2.1676L1.99997 14.2509ZM9.0833 13.0634C9.26386 13.0634 9.41316 13.0044 9.53122 12.8864C9.64928 12.7683 9.7083 12.619 9.7083 12.4384C9.7083 12.2579 9.64928 12.1086 9.53122 11.9905C9.41316 11.8725 9.26386 11.8134 9.0833 11.8134C8.90275 11.8134 8.75344 11.8725 8.63539 11.9905C8.51733 12.1086 8.4583 12.2579 8.4583 12.4384C8.4583 12.619 8.51733 12.7683 8.63539 12.8864C8.75344 13.0044 8.90275 13.0634 9.0833 13.0634ZM9.0833 10.7509C9.26386 10.7509 9.41316 10.6919 9.53122 10.5739C9.64928 10.4558 9.7083 10.3065 9.7083 10.1259V6.70927C9.7083 6.52871 9.64928 6.37941 9.53122 6.26135C9.41316 6.1433 9.26386 6.08427 9.0833 6.08427C8.90275 6.08427 8.75344 6.1433 8.63539 6.26135C8.51733 6.37941 8.4583 6.52871 8.4583 6.70927V10.1259C8.4583 10.3065 8.51733 10.4558 8.63539 10.5739C8.75344 10.6919 8.90275 10.7509 9.0833 10.7509Z" fill="#F1C21B"></path></svg></div><div ><p class="slate-p " ><strong class="slate-bold">Important notes</strong></p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">Encryption is <strong class="slate-bold">mandatory</strong> only for endpoints explicitly marked as requiring it.</div></li><li class="slate-li " ><div style="position:relative">Your<strong class="slate-bold"> encryption certificate</strong> is unique to your account - never share or expose it publicly.</div></li><li class="slate-li " ><div style="position:relative">For non-sensitive requests, you can continue to use standard bearer authentication without encryption.</div></li></ul></div></div><h3 class="slate-h3 " >Example Implementation</h3><div class="code-block-wrapper"  style="width:100%;min-width:100%" ><div class="code-block-header">PHP</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-php keep-markup drop-tokens"><div class="slate-code_line"><div class="slate-code_line">&lt;?php
$payload = &apos;{&quot;amount&quot;: &quot;100.00&quot;, &quot;currency&quot;: &quot;EUR&quot;, &quot;recipient&quot;: &quot;john.doe@paydo.com&quot;}&apos;;

// Load PayDo&apos;s public key (from your dashboard)
$publicKey = sodium_hex2bin(&quot;YOUR_PAYDO_PUBLIC_KEY_HEX&quot;);

// Encrypt using Sodium Sealed Box
$encrypted = sodium_crypto_box_seal($payload, $publicKey);

// Encode the result to Base64
$encodedPayload = base64_encode($encrypted);

echo &quot;Encoded payload to send: &quot; . $encodedPayload;
?&gt;</div></div></code></pre></div><p class="slate-p " ></p><p class="slate-p " ></p>

 to protect sensitive financial and personal data. For these endpoints, the request body must be 

encrypted using your personal certificate

 before being sent to PayDo. Encryption ensures that confidential data cannot be intercepted or tampered with during transmission.

<p class="slate-p " ></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 " ><strong class="slate-bold">Money Transfers</strong> module in the PayDo API allows you to securely send funds from your account to business and individual beneficiaries worldwide through multiple channels - including SEPA Instant, FPS, SWIFT, other local networks, and internal PayDo transfers. It is built to support a wide range of business scenarios, from paying suppliers and issuing customer refunds to moving funds between internal accounts or automating recurring payouts. By integrating this endpoint, you can streamline payment operations directly from your platform while maintaining full compliance with international financial and data-security standards.</p></div></div><h3 class="slate-h3 " >Business Overview</h3><p class="slate-p " >PayDo’s transfer functionality is designed for:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Corporate payouts</strong> – Pay vendors, partners, or contractors in local or international currencies.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Customer payouts and reimbursements</strong> – Automate refunds or charge reversals directly from your account.</div></li></ul><p class="slate-p " >All transfers are executed via <strong class="slate-bold">PayDo’s payment routing network</strong>, ensuring <strong class="slate-bold">speed, traceability, and compliance</strong> with AML and KYC standards.</p><h3 class="slate-h3 " ><span style="color:rgb(0, 0, 0)">Security and Encryption</span></h3><div style="width:100%;
	min-width:100%;" class="callout-widget" data-type=error ><div class="callout-icon"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M9.08366 9.9801C9.25033 9.9801 9.39269 9.92107 9.51074 9.80302C9.6288 9.68496 9.68783 9.53566 9.68783 9.3551V5.31344C9.68783 5.14677 9.62533 5.00441 9.50033 4.88635C9.37533 4.7683 9.22949 4.70927 9.06283 4.70927C8.88227 4.70927 8.73296 4.7683 8.61491 4.88635C8.49685 5.00441 8.43783 5.15371 8.43783 5.33427V9.37594C8.43783 9.5426 8.50033 9.68496 8.62533 9.80302C8.75033 9.92107 8.9031 9.9801 9.08366 9.9801ZM9.00033 13.1676C9.19477 13.1676 9.35796 13.1016 9.48991 12.9697C9.62185 12.8377 9.68783 12.6745 9.68783 12.4801C9.68783 12.2857 9.62185 12.1225 9.48991 11.9905C9.35796 11.8586 9.19477 11.7926 9.00033 11.7926C8.80588 11.7926 8.64269 11.8586 8.51074 11.9905C8.3788 12.1225 8.31283 12.2857 8.31283 12.4801C8.31283 12.6745 8.3788 12.8377 8.51074 12.9697C8.64269 13.1016 8.80588 13.1676 9.00033 13.1676ZM9.00033 17.3343C7.81977 17.3343 6.72255 17.1225 5.70866 16.6989C4.69477 16.2752 3.81283 15.6884 3.06283 14.9384C2.31283 14.1884 1.72602 13.3065 1.30241 12.2926C0.878798 11.2787 0.666992 10.1815 0.666992 9.00094C0.666992 7.83427 0.878798 6.74399 1.30241 5.7301C1.72602 4.71621 2.31283 3.83427 3.06283 3.08427C3.81283 2.33427 4.69477 1.74399 5.70866 1.31344C6.72255 0.88288 7.81977 0.667603 9.00033 0.667603C10.167 0.667603 11.2573 0.88288 12.2712 1.31344C13.285 1.74399 14.167 2.33427 14.917 3.08427C15.667 3.83427 16.2573 4.71621 16.6878 5.7301C17.1184 6.74399 17.3337 7.83427 17.3337 9.00094C17.3337 10.1815 17.1184 11.2787 16.6878 12.2926C16.2573 13.3065 15.667 14.1884 14.917 14.9384C14.167 15.6884 13.285 16.2752 12.2712 16.6989C11.2573 17.1225 10.167 17.3343 9.00033 17.3343ZM9.00033 16.0843C10.9448 16.0843 12.6114 15.3898 14.0003 14.0009C15.3892 12.612 16.0837 10.9454 16.0837 9.00094C16.0837 7.05649 15.3892 5.38982 14.0003 4.00094C12.6114 2.61205 10.9448 1.9176 9.00033 1.9176C7.05588 1.9176 5.38921 2.61205 4.00033 4.00094C2.61144 5.38982 1.91699 7.05649 1.91699 9.00094C1.91699 10.9454 2.61144 12.6989 4.00033 14.0009C5.38921 15.3898 7.05588 16.0843 9.00033 16.0843Z" fill="#E90005"></path></svg></div><div ><p class="slate-p slate-indent-0" style="0px">For enhanced data protection, transfer requests must be encrypted before the request. This ensures that sensitive financial and personal details - such as recipient names, accounts, and amounts are fully secured end-to-end. Encryption is performed using your personal PayDo certificate and the Sodium encryption library. PayDo decrypts the payload internally using the same cryptographic standard to verify and process the request.</p></div></div><h4 class="slate-h4 " ><strong class="slate-bold">Example Use Cases</strong></h4><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">SEPA and SEPA Instant transfers:</strong> Send EUR funds to a European supplier using IBAN and BIC.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">SWIFT transfers:</strong> Execute a global payment in 59 currencies: USD, EUR, GBP, or other major currencies.</div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">PayDo internal transfers:</strong> Move funds instantly between two PayDo accounts.</div></li></ul><p class="slate-p " ></p><p class="slate-p " ></p>

PayDo’s transfer functionality is designed for:

<p class="slate-p " ></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 " >Payment details includes full and comprehensive information about the transaction lifecycle and its processing state.</p></div></div><p class="slate-p " ></p><p class="slate-p " ></p>

<p class="slate-p " ></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 " >The <strong class="slate-bold">Check Balance</strong> provides a real-time, point-in-time snapshot of wallet balances across all active currencies.
It is designed to help you reliably assess fund availability before initiating operations such as withdrawals, exchanges, or payouts.</p></div></div><h2 class="slate-h2 " >Endpoint</h2><p class="slate-p " >Retrieves current wallet balances grouped by wallet type and currency.</p><h3 class="slate-h3 " >Authentication</h3><p class="slate-p " >The request must include a valid JWT access token.</p><h2 class="slate-h2 " >Wallet Types and Balance Components</h2><p class="slate-p " >For each wallet type, balances are returned per currency with the following components:</p><div class="published-table"><div class="table-container" style="padding-left: 0px;"><table class="slate-table" style="min-width:100%;"><div class="published-table-header" style="width:100%;min-width:100%;min-height:initial;visibility: hidden;border:initial"><div style="width:194px;">Title</div><div style="width:0px;">Description</div><div style="width:0px;">Title</div><div style="width:400px;">Description</div><div style="width:400px;">Title</div><div style="width:400px;">Description</div><div style="width:400px;">Title</div><div style="width:400px;">Description</div><div style="width:400px;">Title</div><div style="width:400px;">Description</div><div style="width:400px;">Title</div><div style="width:400px;">Description</div><div style="width:400px;">Title</div><div style="width:400px;">Description</div><div style="width:400px;">Title</div><div style="width:400px;"></div></div><colgroup ><col style="width:194px"><col style="width:initial"><col style="width:initial"></colgroup><tbody class="slate-TableElement-tbody"><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Wallet Type</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Balance Type</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Description</p></td></div></tr><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >banking</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >available</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Funds fully available for withdrawals and payments</p></td></div></tr><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >merchant</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >available</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Funds fully available for withdrawals and payments</p></td></div></tr><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " ></p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >pending</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Funds temporarily on hold (verification, processing, checks)</p></td></div></tr><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " ></p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >rolling</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Locked or restricted funds (risk, compliance, reserve policies)</p></td></div></tr><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >partner</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >available</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Funds fully available for withdrawals and payments</p></td></div></tr></tbody></table></div></div><p class="slate-p " ></p>

Retrieves current wallet balances grouped by wallet type and currency.

The request must include a valid JWT access token.

For each wallet type, balances are returned per currency with the following components:

Title

Description

<p class="slate-p " >The Reporting API allows merchants to generate and download financial statements.  The API supports two types of reports, each designed for a different business purpose.</p><p class="slate-p " ></p><h3 class="slate-h3 " >Financial Position Statement</h3><h4 class="slate-h4 " >Purpose:</h4><p class="slate-p " >Provides a <strong class="slate-bold">balance-based financial summary</strong> for the selected period.</p><p class="slate-p " >Banking and affiliate wallets</p><h4 class="slate-h4 " >What This Report Contains:</h4><p class="slate-p " >This report is aggregated and balance-oriented.   It shows how wallet balances changed during the reporting period. The file includes:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">Entity information </div></li><li class="slate-li " ><div style="position:relative">Wallet identifiers </div></li><li class="slate-li " ><div style="position:relative">Reporting period </div></li><li class="slate-li " ><div style="position:relative">Opening balances </div></li><li class="slate-li " ><div style="position:relative">Total incoming amounts </div></li><li class="slate-li " ><div style="position:relative">Total outgoing amounts </div></li><li class="slate-li " ><div style="position:relative">Fees </div></li><li class="slate-li " ><div style="position:relative">Net change </div></li><li class="slate-li " ><div style="position:relative">Closing balances </div></li><li class="slate-li " ><div style="position:relative">Currency breakdown </div></li></ul><p class="slate-p " >This report is primarily used for:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">Accounting reconciliation </div></li><li class="slate-li " ><div style="position:relative">Financial position tracking </div></li><li class="slate-li " ><div style="position:relative">Period-based balance verification </div></li></ul><p class="slate-p " ></p><div class="slate-hr"><hr contenteditable="false" class="slate-HrElement-hr"/></div><h3 class="slate-h3 " >Merchant Processing History</h3><h4 class="slate-h4 " >Purpose:</h4><p class="slate-p " >Provides a detailed transaction history for the selected period.</p><h4 class="slate-h4 " >Used for:</h4><p class="slate-p " >Project (Processing) wallets</p><h4 class="slate-h4 " >What This Report Contains:</h4><p class="slate-p " >This report is transaction-oriented.  It lists individual operations processed during the reporting period. The file includes:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">Merchant and project information </div></li><li class="slate-li " ><div style="position:relative">Transaction identifiers </div></li><li class="slate-li " ><div style="position:relative">Operation types </div></li><li class="slate-li " ><div style="position:relative">Payment methods </div></li><li class="slate-li " ><div style="position:relative">Statuses </div></li><li class="slate-li " ><div style="position:relative">Amounts </div></li><li class="slate-li " ><div style="position:relative">Fees </div></li><li class="slate-li " ><div style="position:relative">Net amounts </div></li><li class="slate-li " ><div style="position:relative">Currency </div></li><li class="slate-li " ><div style="position:relative">Timestamps </div></li></ul><p class="slate-p " >This report is primarily used for:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">Operational analysis </div></li><li class="slate-li " ><div style="position:relative">Transaction monitoring </div></li><li class="slate-li " ><div style="position:relative">Fee calculation validation </div></li><li class="slate-li " ><div style="position:relative">Dispute and reconciliation investigations </div></li></ul><div class="slate-hr"><hr contenteditable="false" class="slate-HrElement-hr"/></div><h3 class="slate-h3 " >Key differences between reports</h3><p class="slate-p " ></p><div class="published-table"><div class="table-container" style="padding-left: 0px;"><table class="slate-table" style="min-width:100%;"><div class="published-table-header" style="width:100%;min-width:100%;"><div style="width:404px;">Financial Position Statement</div><div style="width:0px;">Merchant Processing History</div></div><colgroup ><col style="width:404px"><col style="width:initial"></colgroup><tbody class="slate-TableElement-tbody"><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Balance-level data</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Transaction-level data</p></td></div></tr><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Aggregated financial summary</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Detailed individual records</p></td></div></tr><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Opening &amp; closing balances</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Per-operation breakdown</p></td></div></tr><tr class="slate-tr " ><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Used for accounting reconciliation</p></td></div><div class="slate-TableCellElement-content"><td class="slate-td"><p class="slate-p " >Used for operational review</p></td></div></tr></tbody></table></div></div><p class="slate-p " ></p><p class="slate-p " ></p>

The Reporting API allows merchants to generate and download financial statements.  The API supports two types of reports, each designed for a different business purpose.

This report is aggregated and balance-oriented.   It shows how wallet balances changed during the reporting period. The file includes:

Provides a detailed transaction history for the selected period.

This report is transaction-oriented.  It lists individual operations processed during the reporting period. The file includes:

Financial Position Statement

Merchant Processing History

transaction

Bank transfer

Card transfer

Transfer between PayDo customers

Incoming transfer

Crypto transfers

<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">IPN (Instant Payment Notification) is an automated callback mechanism used to notify the merchant’s server about payment-related events. Once a transaction reaches a final status, Paydo sends an IPN request to the configured URL, allowing your system to react instantly.</p></div></div><p class="slate-p " >IPN in an IBAN account is used for the following operations:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">Income transfers —  status updates for incoming transfers</div></li><li class="slate-li " ><div style="position:relative">Bank transfers — status updates for bank transfers</div></li><li class="slate-li " ><div style="position:relative">Card transfers — status updates for card transfers</div></li><li class="slate-li " ><div style="position:relative">Crypto transfers  — status updates for crypto transfers</div></li><li class="slate-li " ><div style="position:relative">For transfers to PayDo customers —  status updates for internal transfers between PayDo users</div></li></ul><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 " >How IPN works:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">Sent only after a successfully created transaction</div></li><li class="slate-li " ><div style="position:relative">Includes details like status, amount, transaction ID, and custom metadata</div></li><li class="slate-li " ><div style="position:relative">If the transaction status changes (e.g., from failed to success), a new IPN is     sent</div></li><li class="slate-li " ><div style="position:relative">Notifications are repeated until your server responds with HTTP 200 OK</div></li></ul><p class="slate-p " ></p><p class="slate-p " >⚠️ For security, accept IPNs only from IPs: 52.49.204.201, 54.229.170.212</p></div></div><p class="slate-p " >How to set up IPN:</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 IPN section in the sidebar</div></li><li class="slate-li " ><div style="position:relative">Select IPN type</div></li><li class="slate-li " ><div style="position:relative">Click Add a new IPN</div></li><li class="slate-li " ><div style="position:relative">Enter your callback URL</div></li><li class="slate-li " ><div style="position:relative">Click Create IPN</div></li></ol><div class="slate-div"></div><p class="slate-p " ></p>

IPN in an IBAN account is used for the following operations:

<p class="slate-p " ></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’s C2B Transfer solution enables instant payments from customer bank accounts directly to your business account for goods and services. This streamlined flow ensures fast settlement, reduces friction at checkout, and enhances the overall payment experience for your clients. The integration works seamlessly with your existing infrastructure, allowing you to accept bank-based payments with full transparency, speed, and compliance.</p></div></div><p class="slate-p " >The integration offers two possible options:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">With the ability to automatically provide information about payers;</div></li><li class="slate-li " ><div style="position:relative">Without the ability to automatically provide information about payers</div></li></ul><p class="slate-p " >These options differ in whether information about your payers can be automatically provided using an API. The automated option helps accelerate the verification of payers in the system and speeds up the crediting of C2B transfers.</p><p class="slate-p " >Basic flow of payment processing:</p><ol class="slate-ol " ><li class="slate-li " ><div style="position:relative">Your system sends the payer&apos;s date of birth to PayDo</div></li><li class="slate-li " ><div style="position:relative">A payment is created in the PayDo system</div></li><li class="slate-li " ><div style="position:relative">PayDo sends an IPN to you about the incoming payment</div></li><li class="slate-li " ><div style="position:relative">PayDo decides whether to credit the payment</div></li><li class="slate-li " ><div style="position:relative">PayDo sends an IPN with the final payment status</div></li></ol><p class="slate-p " ></p><h4 class="slate-h4 " >To integrate the C2B transfer functionality, you will need to complete a number of steps:</h4><div class="steps-widget" style="width:100%;
  	min-width:100%;"><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >0</h6><h3 class="slate-h3 " >Contact your account manager</h3><p class="slate-p " >Contact your account manager to activate this service, then complete all the procedures outlined by the account manager.</p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >1</h6><h3 class="slate-h3 " >Obtain bank details for receiving C2B transfers</h3><p class="slate-p " >After completing the previous step, you will receive account details for accepting C2B transfers.</p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >2</h6><h3 class="slate-h3 " >Connect the received bank details to your technical provider</h3><p class="slate-p " >You can connect the received bank details to a technical provider to make such bank payments.</p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >3</h6><h3 class="slate-h3 " >Provide an endpoint where the system will send requests to clarify payer data (optional)</h3><p class="slate-p " >If you choose the advanced integration option, you&apos;ll need to provide an endpoint through which you&apos;ll accept requests from the gateway for exchanging payer information. To do this, you&apos;ll need to share the endpoint with your account manager.</p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >4</h6><h3 class="slate-h3 " >Obtain the gateway’s public key to decrypt payer data requests (optional)</h3><p class="slate-p " >To maintain security for user data storage, we use RSA encryption for gateway requests. Sending information through the gateway will require generating an encryption key pair</p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >5</h6><h3 class="slate-h3 " >Provide your public key for decrypting clarification requests (optional)</h3><p class="slate-p " >Provide the public encryption key to your account manager.</p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >6</h6><h3 class="slate-h3 " >Set up JWT-token</h3><p class="slate-p " >Generate a JWT token using the <a href="68e95c240a4fe17488140532" target="">instructions</a></p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >7</h6><h3 class="slate-h3 " >Set up IPN for income transfers</h3><p class="slate-p " >Set up IPN sending for incoming transfers using the <a href="68e95c240a4fe1748814052c/68e95c240a4fe17488140622/68e95c240a4fe17488140624" target="">instructions</a></p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >8</h6><h3 class="slate-h3 " >Set up IPN for refunds in the banking section of the dashboard</h3><p class="slate-p " >Set up IPN sending for incoming transfers using the <a href="68e95c240a4fe1748814052c/68e95c240a4fe17488140622/68e95c240a4fe17488140624" target="">instructions</a></p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >9</h6><h3 class="slate-h3 " >Configure sending requests to create refunds</h3><p class="slate-p " >C2B transfers support refunds to the sender. We recommend setting up refunds using API requests, as described in the <a href="68e95c240a4fe1748814052c/68e95c240a4fe17488140622/68e95c240a4fe17488140626" target="">instructions</a>.</p></div></div><div class="steps-wrapper"><div class="steps-content"><h6 class="slate-h6 " >10</h6><h3 class="slate-h3 " >Configure sending encrypted payer data (optional)</h3><p class="slate-p " >If you selected the advanced integration option with payer information exchange, you can set up the exchange of information about your payers using the following instructions:</p><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative">To set up sending the payer&apos;s date of birth, follow these <a href="68e95c240a4fe1748814052c/68e95c240a4fe17488140622/68e95c240a4fe1748814062a" target="">instructions</a>.</div></li><li class="slate-li " ><div style="position:relative">To set up sending the source of funds, follow these <a href="68e95c240a4fe1748814052c/68e95c240a4fe17488140622/68e95c240a4fe1748814062c" target="">instructions</a>.</div></li><li class="slate-li " ><div style="position:relative">To set up sending the payer&apos;s identity document, follow these <a href="68e95c240a4fe1748814052c/68e95c240a4fe17488140622/68e95c240a4fe1748814062e" target="">instructions</a>.</div></li></ul></div></div></div><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p>

The integration offers two possible options:

These options differ in whether information about your payers can be automatically provided using an API. The automated option helps accelerate the verification of payers in the system and speeds up the crediting of C2B transfers.

To integrate the C2B transfer functionality, you will need to complete a number of steps:

<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 " ><span style="color:rgb(0, 0, 0)">The </span><span style="color:rgb(0, 0, 0)"><strong class="slate-bold">FX</strong></span><span style="color:rgb(0, 0, 0)"> allows requesting a real-time exchange rate quote, temporarily reserve the rate, and execute a currency exchange between wallets.</span></p><p class="slate-p " ><span style="color:rgb(0, 0, 0)">Exchange operations are performed in two steps:</span></p><p class="slate-p " ><span style="color:rgb(0, 0, 0)">1.Create FX Reserve (get exchange rate quote)</span></p><p class="slate-p " ><span style="color:rgb(0, 0, 0)">2.Execute FX Reserve (confirm exchange within reserved time)</span></p></div></div><h2 class="slate-h2 " ><span style="background-color:transparent;color:rgb(0, 0, 0)">Check Balance</span></h2><p class="slate-p " >Before initiating an exchange, you can check the wallet balance to ensure sufficient funds are available for the operation. <a href="68e95c240a4fe1748814052c/68e95c240a4fe17488140538/699c6e359f3c4d45c68d9d15" target="_blank">More details here.</a></p><p class="slate-p " ></p><p class="slate-p " ></p><p class="slate-p " ></p>

Before initiating an exchange, you can check the wallet balance to ensure sufficient funds are available for the operation. 

<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">PayDo’s Merchant Account APIs give you a unified interface to configure how customers pay, capture funds securely, and handle post-payment events such as confirmations and refunds. The endpoints integrate cleanly with your back-office systems so you can offer a seamless checkout experience while maintaining security and compliance.</p></div></div><ul class="slate-ul " ><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Configure available payment methods:</strong> The first step in your integration is to discover which payment instruments you can offer. A dedicated endpoint returns the list of payment methods enabled for your project; only methods in this list may be used when issuing invoices. This ensures you present customers with region‑appropriate options and reduces failed payments. </div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Create invoices and launch checkout:</strong> Invoices are the foundation of every transaction. When you create an invoice, you define the order ID, amount, currency, and customer details. Each checkout transaction must reference an invoice, and you can either let PayDo display all available methods to the customer or preselect a specific payment method. </div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Secure card tokenization:</strong> For businesses that need to charge cards later or offer subscriptions, PayDo can tokenize card details on your behalf. This service is PCI‑DSS–compliant and eliminates the need for you to handle sensitive card data. </div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Monitor transactions in real time:</strong> Once a payment is initiated, you can poll the transaction’s status. The API tells you whether to redirect the customer for 3‑D Secure authentication, wait for a pending transaction to settle, or show the final success/failure page. This logic lets you automate the next steps in the user journey without guesswork. </div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Receive Instant payment notifications:</strong> To keep your systems in sync, PayDo automatically sends an IPN (Instant Payment Notification) to your server whenever a transaction reaches a final status. The notification includes invoice and transaction identifiers and any custom metadata you passed when creating the invoice, so you can reconcile payments and update order statuses immediately. </div></li><li class="slate-li " ><div style="position:relative"><strong class="slate-bold">Issue full or partial Refunds:</strong> If a customer requests a refund, you can create one by specifying the original transaction identifier and the amount to return. The refunds API supports full and partial refunds and requires bearer authentication. You can then query refund details or list all refunds associated with your merchant account to maintain accurate financial records. </div></li></ul><p class="slate-p " >By organizing these capabilities into a single Merchant Account section, PayDo helps partners streamline payment operations. You can manage payment methods, initiate and monitor payments, handle notifications and process refunds without building bespoke integrations for each stage of the payment lifecycle.</p>

By organizing these capabilities into a single Merchant Account section, PayDo helps partners streamline payment operations. You can manage payment methods, initiate and monitor payments, handle notifications and process refunds without building bespoke integrations for each stage of the payment lifecycle.

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