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How it works

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Welcome to our API documentation

We built the Paymend API with one thing in mind: helping you create smooth and reliable payment experiences for your customers and actively recover revenue that would otherwise be lost to failed or declined transactions.
It’s simple to get started, yet flexible enough to grow with your business and support new features. Here’s what you can expect:
  • Easy to use – clear endpoints, predictable behavior.
  • Built with care – designed to evolve without breaking what already works.
  • Future-friendly – ready to support new flows and payment methods as they come.
Our goal is to provide you an effortless payment integration to help you recover failed transactions and turn them into revenue.

Explore Paymend API Endpoints

View the full API documentation

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Authentication

All API requests require a Bearer token in the Authorization header: 👉 To get your API token, just reach out to your Paymend sales representative. 
Authorization: Bearer <your_api_token>

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API Environments

Paymend provides two environments to safely build and test your integration:
EnvironmentBase URLNotes
Sandboxhttps://test-api.paymend.comUse for testing only. Transactions are simulated.
Productionhttps://prod-api.paymend.comLive environment. Real transactions and data.
Important: Always use your sandbox credentials when testing. Production credentials are separate and should be kept secure.

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Support

Need help? We’re here for you. 👉 Reach out to your Paymend sales representative, and we will invite you to our #paymend-api-help slack channel. Our team typically responds within 24 hours. Whether you have questions about integration, troubleshooting, or advanced features, don’t hesitate to reach out. We love helping developers succeed!

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Security & Compliance

At Paymend, protecting your business and your customers is at the heart of everything we do. Payments move sensitive information, and we make sure it’s handled with the highest level of security.
✅
PCI DSS Level 1
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TLS Encryption
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Tokenization
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GDPR Compliance
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Fraud Protection
Here’s what you can count on:
  • PCI DSS Compliance – Cardholder data is processed exclusively through certified PCI infrastructure, ensuring the highest standard of data protection.
  • Data encryption – All data is encrypted in transit (TLS 1.2+) and at rest.
  • Tokenization – Sensitive payment details are never stored directly; we use tokenization to reduce your compliance burden.
  • Privacy first – We follow GDPR and other regional data protection requirements to safeguard your customers’ information.
  • Fraud protection – Built-in checks and integrations to help detect and prevent fraudulent activity.
👉 You don’t need to be a security expert to use Paymend. We take care of the heavy lifting so you can focus on building smooth payment experiences.