Developers

One REST API for Every Payment Operation

Predictable, resource-oriented REST. JSON in, JSON out, idempotency keys everywhere, and a routing trace on every charge so you can see exactly which path a payment took.

Core Endpoints

POST/v1/tokensTokenize a card into the agnostic vault

POST/v1/chargesCreate a charge with smart routing & cascading

GET/v1/charges/{id}Retrieve a charge and its routing trace

POST/v1/refundsRefund a captured charge, full or partial

POST/v1/routing-rulesCreate or update zero-code routing rules

GET/v1/reports/settlementsPull reconciled cross-PSP settlement data

POST/v1/webhooksRegister webhook endpoints for payment events

Example: Create a Charge

curl — POST /v1/charges

curl https://api.paycolab.com/v1/charges \
  -H "Authorization: Bearer $PAYCOLAB_KEY" \
  -H "Idempotency-Key: ord_20261031_001" \
  -d '{
    "amount": 4999,
    "currency": "USD",
    "token": "tok_cust_8f3k2m9x",
    "routing": { "strategy": "smart", "cascade": true },
    "three_ds": "dynamic"
  }'

One REST API for Every Payment Operation

Core Endpoints

Example: Create a Charge

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