Pay
Overview

Pay Overview

Accept payments, send payouts, and manage payment methods

Process inbound and outbound payments through any channel - APIs, hosted pages, or embedded forms. Accept cards, bank accounts, digital wallets (e.g., Google and Apple Pay), and alternative payment methods with full control over the payment lifecycle.

Receiving Payments

Accept payments through multiple integration options

Choose the integration method that fits your requirements - direct API integration for full control, or hosted/embedded forms that reduce PCI compliance scope and security overhead. Support cards, bank accounts, digital wallets, saved payment methods, and real-time status updates.

Payment API

Process payments programmatically from your backend with full control over payment flows and business logic.

Checkout

Use hosted checkout pages or embed the checkout plugin for quick payment collection with minimal code.

Payment Links

Generate shareable payment links for invoices, quotes, or one-time payment collection.

Payment Form

Build custom payment forms with full design control and embedded secure payment fields.

Alternative Payments

Accept digital wires, checks, and other payment methods beyond standard cards and bank transfers.

Sending Payouts

Send money to vendors, affiliates, and recipients

Distribute funds instantly using Real-Time Payments or via standard bank transfers with flexible clearing options and bulk operations. Send commission disbursements, vendor payouts, account-to-account transfers, claims disbursements, and affiliate payments with comprehensive tracking and reporting.

Standard Payouts

Send money via standard bank transfers with flexible clearing options and bulk operations.

Instant Payouts

Deliver funds immediately using Real-Time Payments for instant account-to-account transfers.

Payment Methods

Store and manage payment methods for recurring use

Tokenize and store payment methods securely for one-click payments, autopay, and recurring billing scenarios. Configure default payment methods for automatic invoice charging and support multiple payment methods per customer with PCI-compliant storage.

Creating Payment Methods

Tokenize and store cards, bank accounts, and wallets for one-click payments and autopay.

Card & Bank Accounts

Support credit cards, debit cards, and bank accounts for payments and payouts.

Digital Wallets

Accept Apple Pay, Google Pay, and enable instant bank verification with Plaid.

Synthetic Accounts

Enable embedded banking with internal balances and instant fund transfers without external processing.

Managing Payment Results

Handle payment outcomes and lifecycle events

Monitor and respond to payment events with webhooks, handle declines gracefully, and process refunds or voids when needed. Understand decline codes to implement retry logic, generate customer receipts, and track payment lifecycle events for order fulfillment workflows.

Payment Declines

Understand decline codes and implement retry logic for failed payment attempts.

Refunds & Voids

Reverse payments for cancellations and returns with full or partial refunds.

Webhook Notifications

Subscribe to real-time payment status updates and lifecycle events.

Payment Receipts

Generate and send receipts to customers after successful transactions.

Common Use Cases

Real-world applications and implementation patterns

E-commerce Checkout

Integrate embedded checkout forms or hosted payment pages for online store purchases. Use two-step processing to authorize at checkout and capture when items ship.

Subscription Billing

Store payment methods and process recurring charges automatically. Combine with billing schedules for automated subscription management.

Commission & Vendor Payments

Send commissions to affiliates, payouts to vendors, and claims disbursements. Use instant payouts for time-sensitive disbursements requiring immediate fund delivery.

Invoice Payments

Generate payment links for invoices or enable customers to pay via hosted payment portal. Track payment status and send receipts automatically.

Integration Approaches

Choose the integration method that fits your requirements

API Integration

Full programmatic control for custom payment flows and backend processing

Hosted Solutions

Quick integration with reduced PCI scope

Custom Forms

Build payment forms with your own design

  • Payment Form for custom forms with embedded secure fields
  • Full design control while maintaining PCI compliance

Payment Methods

Store and reuse payment methods

Next Steps

Get started with the Payload platform

Start Accepting Payments

Begin with the Payment API for programmatic integration or Checkout for hosted payment pages.

Set Up Payouts

Configure payout infrastructure for commission and vendor disbursements.

Enable Recurring Payments

Store payment methods and enable autopay for subscription billing.

Checkout