# Capay Global Payment Gateway API > One API. Africa's Payment Infrastructure. The Capay Global Payment Gateway API: mobile money, bank and card collections, disbursements and refunds across Africa. Developer documentation: https://developer.capayglobal.com. Every page below is linked as its Markdown twin. Base URL `https://api.capayglobal.com/v1`; authenticate with `Authorization: Bearer sk_test_...` (sandbox) or `sk_live_...` (production). ## Guides - [Getting started](https://developer.capayglobal.com/getting-started.md): One API. Africa's Payment Infrastructure. The Capay Global Payment Gateway API lets you collect mobile money, bank and card payments, send payouts and issue refunds across Africa,... - [Authentication](https://developer.capayglobal.com/authentication.md): The API authenticates with secret bearer keys. Sandbox keys start with sk_test_, production keys with sk_live_. - [Keys for AI agents](https://developer.capayglobal.com/agent-keys.md): An agent key is a scoped secret key with hard limits: per-currency spending caps, a corridor allowlist, a verified-recipient rule, mandatory expiry and, in production, no real... - [Webhooks](https://developer.capayglobal.com/webhooks.md): A webhook is how the gateway tells your server that money moved. Register an https endpoint, verify the signature on every delivery, answer 2xx within 10 seconds, and make your... - [Payment links & hosted checkout](https://developer.capayglobal.com/payment-links.md): A payment link turns a collection into a URL. You create the link in the Business Portal; your customer opens it, enters their details, and pays on our hosted checkout at... - [Crypto payments](https://developer.capayglobal.com/crypto.md): Accept USDT, USDC and other coins with one call to POST /v1/collections. Crypto is live on every approved business: there is nothing to switch on. - [Platform integrations: CRM, ERP and shops](https://developer.capayglobal.com/platform-integrations.md): Capay Global is built for platforms that already know the amount and their own deposit id before the customer is ready to pay: a CRM, an ERP, an e-commerce or gaming back office,... - [Coverage](https://developer.capayglobal.com/coverage.md): Where the gateway can collect from payers and pay out to recipients today, by country, currency, method and direction. - [Fees & settlement](https://developer.capayglobal.com/fees-and-settlement.md): What a payment costs, and how the money reaches you. Fees are quoted before you create anything, deducted transparently on the resource itself, and never baked silently into an... - [How you get paid](https://developer.capayglobal.com/how-you-get-paid.md): Capay Global collects in local currency and settles you by hand: the treasury team records each payout to the destination you chose, sends the money, then confirms it. - [Going live](https://developer.capayglobal.com/going-live.md): The path from sandbox to production is deliberate: build against the simulator with a sandbox key, complete business verification (KYB), then mint a production key and switch... - [Errors](https://developer.capayglobal.com/errors.md): Errors use conventional HTTP status codes plus a machine-readable body: a closed catalog of error codes, a human sentence, and a next_step that tells you what to do about it. - [Sandbox](https://developer.capayglobal.com/sandbox.md): Every account gets a full sandbox. Sandbox traffic runs against a payment simulator: it never touches real providers and no real money can move, while behaving exactly like... ## Tools and SDKs - [SDKs](https://developer.capayglobal.com/sdks.md): Official client libraries for TypeScript, Python and PHP. Each one wraps the same REST API: the same envelope, the same idempotency rules, the same status vocabulary and the same... - [Checkout.js](https://developer.capayglobal.com/checkout-js.md): capay.js opens the hosted checkout from your own page. It needs no API key: the payment link id is the credential, exactly like POST /v1/checkout/initiate, so the script is safe... - [Plugins](https://developer.capayglobal.com/plugins.md): WooCommerce is the platform plugin that exists today. It adds Capay Global as a payment method on the checkout page, creates the collection server-side and settles the order from... - [CLI](https://developer.capayglobal.com/cli.md): The command-line tool logs into your account, forwards sandbox webhooks to localhost and produces any sandbox outcome on demand, so you can build a receiver without a public URL... - [MCP server](https://developer.capayglobal.com/mcp.md): The Model Context Protocol server gives a coding agent the same API you use, as typed tools. ## API reference - [API reference](https://developer.capayglobal.com/reference.md): One base URL, one authentication scheme, one response envelope. Every /v1 endpoint shares the conventions on this page: bearer keys, the success/error envelope with its... - [Collections](https://developer.capayglobal.com/reference/collections.md): A collection pulls money in from a payer: a mobile money or bank debit that credits your merchant balance. - [Payouts](https://developer.capayglobal.com/reference/payouts.md): Send money to a mobile money or bank recipient. Payouts follow a reserve-then-settle model: the available balance is checked and locked before any provider is called, so a payout... - [Batch payouts](https://developer.capayglobal.com/reference/payout-batches.md): Send up to 500 payouts in one currency as a single batch: one Idempotency-Key, one atomic reserve of the whole total, one approval decision on the sum. - [Refunds](https://developer.capayglobal.com/reference/refunds.md): Refund a completed collection, in full or in part, back to the payer. Refunds are machine-written intents: the amount is reserved against your balance the moment you create one,... - [Resolve & banks](https://developer.capayglobal.com/reference/resolve.md): Confirm who owns a mobile money number or bank account before you pay it, and list the bank codes a country accepts. Read-only: nothing here moves money. - [FX rates and quotes](https://developer.capayglobal.com/reference/fx.md): Read the exchange rates Capay Global treasury has approved for your environment, and lock one into a time-boxed quote before you request a settlement. - [Balances](https://developer.capayglobal.com/reference/balances.md): Read your money position per currency in real time, and the balance transactions behind every movement. - [Events](https://developer.capayglobal.com/reference/events.md): Every state change in your account, a collection completing, a payout failing, a refund settling, is recorded as an immutable event. - [Webhook endpoints](https://developer.capayglobal.com/reference/webhook-endpoints.md): Webhooks push events to your server as things happen: a collection completes, a payout fails, a balance runs low. - [Subscriptions and plans](https://developer.capayglobal.com/reference/subscriptions.md): Bill a customer on a schedule. A plan is the price and the cadence; a subscription ties a customer's mobile money number to it. ## Legal - [Merchant Terms of Service](https://developer.capayglobal.com/legal/terms.md): These Terms govern access to and use of the Capay Global Payment Gateway by merchants. - [Privacy Policy](https://developer.capayglobal.com/legal/privacy.md): How Capay Global collects, uses, shares, transfers, retains and protects personal data across its African operations, and the rights available to you. - [Acceptable Use Policy](https://developer.capayglobal.com/legal/acceptable-use.md): This Policy sets out what merchants may and may not do with the Capay Global Payment Gateway. It is incorporated by reference into the Merchant Terms of Service. - [Cookie Policy](https://developer.capayglobal.com/legal/cookies.md): What cookies and similar technologies Capay Global uses on its websites and dashboards, why, and how to manage your choices. - [Data Processing Addendum](https://developer.capayglobal.com/legal/data-processing.md): This Data Processing Addendum forms part of the Merchant Terms of Service and governs how personal data is processed when Capay Global provides the Services. - [AML/KYC Notice](https://developer.capayglobal.com/legal/aml.md): How Capay Global applies anti-money-laundering, counter-terrorist-financing, sanctions screening, know-your-customer and know-your-business controls. - [Delete your Capay Global account](https://developer.capayglobal.com/legal/delete-account.md): How to ask for your Capay Global account to be deleted, from the Capay Business app, the web portal or by email, and what happens to your data. ## Machine-readable - [OpenAPI 3.1.0 document](https://developer.capayglobal.com/openapi/gateway.v1.yaml): the /v1 contract, 60 operations across 17 tags. - [Postman collection](https://developer.capayglobal.com/capay-gateway.postman_collection.json): the same operations as a Postman v2.1 collection. - [llms-full.txt](https://developer.capayglobal.com/llms-full.txt): every page above in full, plus the API operations.