# VEXPay Docs
> Integration docs for the VEXPay Venezuela payments API (C2P, VPOS, Pago Móvil, immediate debit, stablecoins, Colombian pesos, sellers, payouts, and webhooks), with step-by-step playbooks for each task.

Important notes:
- Auth: send the tenant key in the `x-api-key` header on every `/v1` request.
- Keep the API key on the server only.
- Prefer the linked `.md` files (or `/llms-full.txt`) over scraping HTML.
- Machine-readable contract: `/openapi.json`. Interactive explorer: `/api-reference`.

## Overview
- [Overview](https://docs.pay.vexwallet.co/index.html.md): One tenant-scoped API for C2P, VPOS, Pago Móvil verification, stablecoins and Colombian pesos, reconciliation, and signed webhooks.

## Start
- [Quickstart](https://docs.pay.vexwallet.co/quickstart.md): Connect a server, load the supported banks, and create a C2P payment intent.
- [Authentication](https://docs.pay.vexwallet.co/authentication.md): Tenant API keys scope requests and payment records to one integration.
- [Going live](https://docs.pay.vexwallet.co/going-live.md): New accounts start in test mode. VEX Pay reviews your integration before live keys can move real money.
- [Seller or marketplace](https://docs.pay.vexwallet.co/business-models.md): Every account is a Seller or a Marketplace. A seller sells its own things; a marketplace collects for its sellers, and split payments divide each charge between the seller and your commission.
- [Node SDK](https://docs.pay.vexwallet.co/node-sdk.md): Official TypeScript/Node SDK with typed resources, safe retries, and webhook verification.
- [Python SDK](https://docs.pay.vexwallet.co/python-sdk.md): Official Python SDK with sync and async clients, matching the Node resource surface.
- [PHP SDK](https://docs.pay.vexwallet.co/php-sdk.md): Official framework-agnostic PHP 8.1+ SDK with typed responses, safe retries, webhook verification, and an in-memory test client.
- [Laravel](https://docs.pay.vexwallet.co/laravel.md): Laravel 12/13 package: facade, verified webhooks as events, Billable checkouts with a synced payment record, marketplace sellers, Blade checkout, and test fakes.
- [MCP server](https://docs.pay.vexwallet.co/mcp.md): Official MCP server: let Claude Code, Claude Desktop, Cursor and other agents read balances, payments, payouts and subscriptions and create checkout sessions, payment links and send_invoice subscriptions. Nothing in it moves money.
- [Bank list](https://docs.pay.vexwallet.co/banks.md): Load the current bank catalog — including optional logo images — and use its codes in payments, merchants, and payouts.
- [Bolívar quote](https://docs.pay.vexwallet.co/quote.md): Convert a USD amount to VES at your account's Bolívar rate (BCV or market), plus the official BCV rate and a median across BCV sources.

## Guides
- [Integration path](https://docs.pay.vexwallet.co/integration-path.md): From your first API call to live payments: nine steps, in order, with the exact requests and what to check before moving on.
- [Recipe: online store](https://docs.pay.vexwallet.co/recipe-online-store.md): Sell to Venezuelan buyers with one hosted checkout: bolívares, stablecoins and pesos, confirmed by webhook and withdrawn to your bank.
- [Recipe: marketplace](https://docs.pay.vexwallet.co/recipe-marketplace.md): Collect from buyers, keep your commission automatically, and pay each seller from their own balance once their sale is released.
- [Recipe: pay your end users](https://docs.pay.vexwallet.co/recipe-disbursements.md): Collect with VEXPay, credit each of your end users (staff, contractors, affiliates) in dollars at the BCV rate every pay period, let them withdraw to their own Pago Móvil from your own app, and give each one a monthly statement. You pay the withdrawal fee.
- [Recipe: Bs in, USDT out](https://docs.pay.vexwallet.co/recipe-bs-to-usdt.md): Your user pays in bolívares; VEXPay converts the net to USDT and sends it to their wallet — one request, no treasury on your side.
- [Recipe: Colombian pesos](https://docs.pay.vexwallet.co/recipe-cop.md): Let buyers in Colombia pay by card, PSE, Bancolombia, Bre-B, Nequi or Daviplata — at checkout or from your own screens — and hold, refund or convert the pesos.
- [Recipe: memberships](https://docs.pay.vexwallet.co/recipe-subscriptions.md): A gym, school or SaaS with monthly plans: sign customers up, collect every month by link or automatic debit, and keep access in sync with payment — step by step.

## Playbooks
> One task per page: prerequisites, numbered steps (portal and API), how to check it worked, and what to do when it fails.

- [All playbooks](https://docs.pay.vexwallet.co/playbooks.md): Task-by-task playbooks for VEXPay accounts: test, go live, take payments, split with sellers, convert, withdraw, refund, and fix common problems.
- [Test everything first](https://docs.pay.vexwallet.co/playbook-test-mode.md): Run every payment method, webhook and payout you plan to use with your Test key — no real money moves — before you ask to go live.
- [Go live](https://docs.pay.vexwallet.co/playbook-go-live.md): Finish the Getting started checklist, verify your business, request go-live, and switch to your Live key once VEXPay approves your account.
- [Rotate an API key](https://docs.pay.vexwallet.co/playbook-rotate-api-key.md): Replace an API key with no failed requests: create a second key, deploy it, confirm it is in use, then revoke the old one. Plus what to do when a key leaks.
- [Set up webhooks](https://docs.pay.vexwallet.co/playbook-webhooks.md): Register an endpoint, verify every signature on the raw body, deduplicate deliveries, and recover an event you missed — webhooks are sent once, with no retry.
- [Create a payment link](https://docs.pay.vexwallet.co/playbook-payment-link.md): Sell without code: create a one-time link in the portal, share it by WhatsApp or QR, and confirm the payment — or create reusable product links with the API.
- [Pago Móvil-only link](https://docs.pay.vexwallet.co/playbook-pago-movil-link.md): Create a checkout session limited to Pago Móvil, send the buyer the link, and let VEXPay match the transfer automatically.
- [Turn methods on or off](https://docs.pay.vexwallet.co/playbook-payment-methods.md): Choose which methods buyers see on all your hosted checkouts from Portal → Payment methods, or limit a single link with `methods`, and understand why a method is hidden.
- [Accept USDT & USDC](https://docs.pay.vexwallet.co/playbook-accept-stablecoins.md): Take stablecoin payments on the hosted checkout or with a permanent deposit address per customer, and credit your customer once per payment.
- [Accept Colombian pesos](https://docs.pay.vexwallet.co/playbook-accept-cop.md): Take payments from buyers in Colombia on the hosted checkout or from your own screens, test each channel, and refund within 96 hours.
- [Convert to USDT](https://docs.pay.vexwallet.co/playbook-convert-to-usdt.md): Turn VES or COP in your balance into USDT at a quoted rate, from the portal or the API, and optionally convert a share of every peso payment automatically.
- [Read balance & holds](https://docs.pay.vexwallet.co/playbook-balance.md): Find out how much you can withdraw right now in each currency, what is awaiting bank confirmation, how automatic settlement works, and how to reconcile your books with the movements list.
- [Withdraw your balance](https://docs.pay.vexwallet.co/playbook-withdraw.md): Send available bolívares to your own verified Pago Móvil account, or USDT and USDC to a wallet — from the portal or the API — and follow each payout to the end.
- [Refunds & chargebacks](https://docs.pay.vexwallet.co/playbook-refunds.md): What you can refund on each method, how to reverse a Débito Inmediato (C2P) payment or refund a peso payment, and how card chargebacks hit your balance and get closed.
- [Onboard a seller](https://docs.pay.vexwallet.co/playbook-onboard-seller.md): For marketplaces: register a seller, confirm their Pago Móvil destination with two micro-deposits, and set their commission so you can split payments and pay them out.
- [Split payments](https://docs.pay.vexwallet.co/playbook-split-payments.md): Create a checkout session with `merchantId` and `applicationFeePercent`: you keep your commission, the seller's share lands in their balance, and you pay them out once it is released.
- [Pay your end users](https://docs.pay.vexwallet.co/playbook-disbursements.md): Credit each of your end users (staff, contractors, affiliates) in dollars at the BCV rate out of the money you collect, let them withdraw to their own Pago Móvil, and download a monthly statement per person.
- [Pago Móvil not found](https://docs.pay.vexwallet.co/playbook-pago-movil-not-found.md): The buyer says they paid but the checkout keeps waiting or verify returns not found: check the matching rules, use the reference fallback, retry safely, and know when to contact support.

## Accept payments
- [Payment links](https://docs.pay.vexwallet.co/payment-links.md): No website needed: create a link in the portal for a fixed amount, share it, and get paid through the VEX Pay hosted checkout.
- [C2P lifecycle](https://docs.pay.vexwallet.co/c2p.md): C2P is a three-step tenant flow: create an intent (bank SMS when supported), collect the customer’s token, then execute.
- [VPOS](https://docs.pay.vexwallet.co/vpos.md): Submit card details from a PCI-appropriate server flow.
- [Pago Móvil verification](https://docs.pay.vexwallet.co/pago-movil.md): Show customers the account to pay into, then match their transfer reference against bank records.
- [Débito inmediato](https://docs.pay.vexwallet.co/debito-inmediato.md): Debit bolívares from a payer’s bank account: request a bank OTP, collect it from your customer, execute the debit, and receive webhooks when a pending (AC00) operation settles.
- [Advanced payments](https://docs.pay.vexwallet.co/advanced-payments.md): Authorize debits, send credits, disburse funds, and poll pending operations.
- [Browser checkout](https://docs.pay.vexwallet.co/browser-checkout.md): Mount VEXPay hosted checkout in an iframe so card and OTP data never touch your page.
- [Products & links](https://docs.pay.vexwallet.co/products.md): Create products and shareable payment links for the hosted checkout at /pay/:slug. Buyers can pay with every method your account accepts (bolívares, card, USDT/USDC, COP — whichever are enabled); VEX Pay’s cut is captured as PLATFORM_FEE on payment.completed.
- [Subscriptions & billing](https://docs.pay.vexwallet.co/subscriptions.md): Charge customers every day, week, month or year. Prices are in dollars; each invoice is paid in bolívares at the day’s rate, by link or by automatic debit. VEX Pay issues the invoices, emails your customers, retries and cancels for you.
- [Automatic charging](https://docs.pay.vexwallet.co/domiciliacion.md): Your customer authorizes once; every invoice is then debited from their bank account in bolívares at the day’s rate. No links to chase, no manual payments.
- [USDT & USDC](https://docs.pay.vexwallet.co/usdt.md): Give each customer a stablecoin deposit address, accept USDT or USDC at checkout, and send them to external wallets. Each coin settles in itself — it is never converted to bolívares or to the other coin.
- [Colombia (COP)](https://docs.pay.vexwallet.co/cop.md): Charge buyers in Colombia by card, PSE, Bancolombia, Bre-B, Nequi or Daviplata. Payments settle in Colombian pesos in their own COP balance — never converted to bolívares or USD.
- [Merchants & payouts](https://docs.pay.vexwallet.co/merchants-payouts.md): Register merchants with one or more Pago Móvil payout methods, confirm micro-deposit amounts per method, then pay verified destinations with exact VES amounts and item-level idempotency.
- [Marketplace settlement](https://docs.pay.vexwallet.co/marketplace-settlement.md): Collect from a buyer into the tenant commerce account, retain a platform fee in your app, then pay verified seller Pago Móvil destinations with simple or batch payouts.

## Operate
- [Convert VES or COP to USDT](https://docs.pay.vexwallet.co/convert-usdt.md): Turn the bolívares or Colombian pesos you collect with VEXPay into USDT — from the portal or with the API, on demand or automatically for each COP payment. Quote a rate, accept it, and receive the USDT in your VEXPay USDT balance.
- [Pay in bolívars, receive USDT](https://docs.pay.vexwallet.co/onward-usdt.md): Add an onward payout to a Pago Móvil or C2P pay-in: when it completes, VEXPay converts its net VES to USDT and sends it to the wallet you gave — no further API calls.
- [Lookup & reversal](https://docs.pay.vexwallet.co/payments.md): Reconcile by gateway ID or correlation reference, and reverse eligible C2P payments.
- [Webhooks](https://docs.pay.vexwallet.co/webhooks.md): Verify HMAC signatures before applying payment state changes.
- [Balances & holds](https://docs.pay.vexwallet.co/balances.md): What is available, what waits for bank confirmation and why, how automatic settlement works, what payouts cost, and how to reconcile it all.
- [Reconcile your balance](https://docs.pay.vexwallet.co/reconcile.md): List every movement of your VES balance, rebuild it exactly, and handle card chargebacks automatically.
- [Idempotency](https://docs.pay.vexwallet.co/idempotency.md): Retry mutating API calls without creating duplicate payments or payouts.
- [Errors & limits](https://docs.pay.vexwallet.co/errors.md): Design for validation failures, service availability, limits, and uncertain network outcomes.
- [Postman](https://docs.pay.vexwallet.co/postman.md): Download and import the marketplace settlement collection plus an API environment aimed at https://api.pay.vexwallet.co to walk merchants, Débito Inmediato funding, and payouts end to end.
- [Pricing](https://docs.pay.vexwallet.co/pricing.md): VEXPay’s standard rates per payment rail, worked examples at 100, 300 and 1,000, and what is free. The buyer always pays exactly the listed price.
- [E-commerce plugins](https://docs.pay.vexwallet.co/integrations.md): A pre-built plugin so merchants can accept VEXPay without calling the API directly.
- [API reference](https://docs.pay.vexwallet.co/reference.md): Explore the deployed OpenAPI schema, interactive Scalar reference, and every tenant endpoint.

## Legal
- [Terms of service](https://docs.pay.vexwallet.co/terms.md): The terms on which Chu Capital, C.A. provides VEXPay to the businesses that collect and pay with it.
- [Privacy policy](https://docs.pay.vexwallet.co/privacy.md): What data VEXPay handles about businesses, their buyers and visitors to its sites, why, who it is shared with and for how long.

## API
- [OpenAPI](https://docs.pay.vexwallet.co/openapi.json): Downloadable OpenAPI 3 contract
- [API reference](https://docs.pay.vexwallet.co/api-reference): Interactive Scalar explorer
- [llms-full.txt](https://docs.pay.vexwallet.co/llms-full.txt): Full documentation concatenated as one Markdown file

## Optional
- [Spanish docs](https://docs.pay.vexwallet.co/es/llms.txt): Spanish llms.txt index