> ## Documentation Index
> Fetch the complete documentation index at: https://docs.platnova.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Sending Payments

Send money transfers using multiple payment methods. This guide covers how to send payments and track their status.

## Sending a Payment

Send a payment by specifying the payment method and recipient details in `info`. Example for a bank transfer:

```bash theme={null}
curl -X POST https://api.platnova.com/v1/payments/send \
  -H "X-API-KEY: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "from_amount": 500.00,
    "from_wallet_id": "wl_your_wallet_id",
    "to_currency": "NGN",
    "payment_method": "bank_transfer",
    "info": {
      "account_number": "0123456789",
      "bank_code": "058",
      "account_name": "Jane Smith"
    },
    "reference": "PAY001",
    "payment_type": { "type": "instant" }
  }'
```

## Payment Parameters

### Required Fields

* **from\_amount** – Amount to send (source currency)
* **from\_wallet\_id** – Wallet ID to debit from
* **to\_currency** – Destination currency (e.g. NGN, USD)
* **payment\_method** – One of: `bank_transfer`, `card`, `mobile_money`, `wallet`, `tag_transfer`, `defi`, `revolut`, `paypal`, `cashapp`, `zelle`
* **info** – Recipient details; required fields depend on `payment_method` (e.g. for `bank_transfer`: `account_number`, `bank_code`, `account_name`; for `tag_transfer`: `tag_id`)

### Optional Fields

* **reference** – Your payment reference for idempotency or tracking
* **payment\_type** – `instant`, `scheduled`, or `recurring` (default: instant)
* **is\_save\_to\_beneficiary** – Save recipient as beneficiary

## Payment Response

```json theme={null}
{
  "status": true,
  "data": {
    "transaction_id": "txn_123",
    "payment_reference": "PAY001",
    "amount": "500.00",
    "currency": "USD",
    "recipient_account_number": "1234567890",
    "recipient_name": "Jane Smith",
    "status": "processing",
    "created_at": "2025-01-30T10:00:00Z"
  },
  "message": "Payment initiated successfully"
}
```

## Payment Status

Payments are processed asynchronously. Status can be:

* **Processing** - Payment is being processed
* **Success** - Payment completed successfully
* **Failed** - Payment failed (check error details)

## Verifying Payment Status

Check payment status using the transaction reference returned from send:

```bash theme={null}
curl -X POST https://api.platnova.com/v1/payments/verify \
  -H "X-API-KEY: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "UTR_xxxx"
  }'
```

## Payment Methods

The API supports multiple payment methods; pass `payment_method` and the matching `info` shape:

| Method             | Description                                             | Example info fields                           |
| ------------------ | ------------------------------------------------------- | --------------------------------------------- |
| **bank\_transfer** | Bank transfers (NGN, USD, etc.); ACH, RTP, wire for USD | `account_number`, `bank_code`, `account_name` |
| **card**           | Card payments                                           | Card-specific recipient details               |
| **mobile\_money**  | Mobile money (e.g. Ghana)                               | Phone, provider, etc.                         |
| **tag\_transfer**  | Wallet-to-wallet transfer                               | `tag_id`                                      |
| **wallet**         | Wallet payments                                         | Wallet identifier                             |
| **defi**           | DeFi                                                    | Asset, network, address, etc.                 |
| **revolut**        | Revolut                                                 | Revolut recipient details                     |
| **paypal**         | PayPal                                                  | PayPal identifier                             |
| **ussd**           | USSD                                                    | USSD channel details                          |
| **cashapp**        | Cash App                                                | Cash App identifier                           |
| **zelle**          | Zelle                                                   | Zelle recipient details                       |

Availability depends on currency and region. See the [Send Payment API](/api-reference/payments/send) for the exact `info` fields per method.

## Payment Limits

Payment limits may apply based on:

* Account tier
* Currency
* Payment method
* Regulatory requirements

## Payment Fees

Fees may apply depending on:

* Payment amount
* Currency
* Payment method
* Destination country

## Best Practices

* Verify recipient account details before sending
* Include payment references for easy tracking
* Monitor payment status regularly
* Keep sufficient wallet balance
* Handle failed payments appropriately

## Next Steps

* Learn about [Payment Verification](/payments/verification) for checking payment status
* Explore the [Payments API Reference](/api-reference/payments/send) for detailed documentation