# VEXPay Docs
> Integration docs for the VEXPay Venezuela payments API (C2P, VPOS, Pago Móvil, immediate debit, merchants, payouts, and webhooks).

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](http://localhost:3012/index.html.md): One tenant-scoped API for C2P, VPOS, Pago Móvil verification, stablecoins and Colombian pesos, reconciliation, and signed webhooks.

## Start
- [Quickstart](http://localhost:3012/quickstart.md): Connect a server, load the supported banks, and create a C2P payment intent.
- [Authentication](http://localhost:3012/authentication.md): Tenant API keys scope requests and payment records to one integration.
- [Going live](http://localhost:3012/going-live.md): New accounts start in test mode. VEX Pay reviews your integration before live keys can move real money.
- [Node SDK](http://localhost:3012/node-sdk.md): Official TypeScript/Node SDK with typed resources, safe retries, and webhook verification.
- [Python SDK](http://localhost:3012/python-sdk.md): Official Python SDK with sync and async clients, matching the Node resource surface.
- [PHP SDK](http://localhost:3012/php-sdk.md): Official framework-agnostic PHP 8.1+ SDK with typed responses, safe retries, webhook verification, and an in-memory test client.
- [Laravel](http://localhost:3012/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](http://localhost:3012/mcp.md): Official MCP server: let Claude Code, Claude Desktop, Cursor and other agents read balances, payments and payouts and create checkout sessions and payment links. Nothing in it moves money.
- [Bank list](http://localhost:3012/banks.md): Load the current bank catalog — including optional logo images — and use its codes in payments, merchants, and payouts.
- [Bolívar quote](http://localhost:3012/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.

## Accept payments
- [Payment links](http://localhost:3012/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](http://localhost:3012/c2p.md): C2P is a three-step tenant flow: create an intent (bank SMS when supported), collect the customer’s token, then execute.
- [VPOS](http://localhost:3012/vpos.md): Submit card details from a PCI-appropriate server flow.
- [Pago Móvil verification](http://localhost:3012/pago-movil.md): Show customers the account to pay into, then match their transfer reference against bank records.
- [Débito inmediato](http://localhost:3012/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](http://localhost:3012/advanced-payments.md): Authorize debits, send credits, disburse funds, and poll pending operations.
- [Browser checkout](http://localhost:3012/browser-checkout.md): Mount VEXPay hosted checkout in an iframe so card and OTP data never touch your page.
- [Products & links](http://localhost:3012/products.md): Create products and shareable payment links for the hosted checkout at /pay/:slug. Buyers pay via C2P against your tenant; VEX Pay’s cut is captured as PLATFORM_FEE on payment.completed.
- [USDT & USDC](http://localhost:3012/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)](http://localhost:3012/cop.md): Charge buyers in Colombia with Bre-B, Nequi or Daviplata. Payments settle in Colombian pesos in their own COP balance — never converted to bolívares or USD.
- [Merchants & payouts](http://localhost:3012/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](http://localhost:3012/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](http://localhost:3012/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](http://localhost:3012/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](http://localhost:3012/payments.md): Reconcile by gateway ID or correlation reference, and reverse eligible C2P payments.
- [Webhooks](http://localhost:3012/webhooks.md): Verify HMAC signatures before applying payment state changes.
- [Balances & holds](http://localhost:3012/balances.md): What is available, what is held and why, how the 24h hold works in every currency, what payouts cost, and how to reconcile it all.
- [Reconcile your balance](http://localhost:3012/reconcile.md): List every movement of your VES balance, rebuild it exactly, and handle card chargebacks automatically.
- [Idempotency](http://localhost:3012/idempotency.md): Retry mutating API calls without creating duplicate payments or payouts.
- [Errors & limits](http://localhost:3012/errors.md): Design for validation failures, service availability, limits, and uncertain network outcomes.
- [Postman](http://localhost:3012/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](http://localhost:3012/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](http://localhost:3012/integrations.md): A pre-built plugin so merchants can accept VEXPay without calling the API directly.
- [API reference](http://localhost:3012/reference.md): Explore the deployed OpenAPI schema, interactive Scalar reference, and every tenant endpoint.

## API
- [OpenAPI](http://localhost:3012/openapi.json): Downloadable OpenAPI 3 contract
- [API reference](http://localhost:3012/api-reference): Interactive Scalar explorer
- [llms-full.txt](http://localhost:3012/llms-full.txt): Full documentation concatenated as one Markdown file

## Optional
- [Spanish docs](http://localhost:3012/es/llms.txt): Spanish llms.txt index