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

# Payment

> Request object for creating a new payment

The `Payment` object contains all the information needed to process a payment transaction.

## Properties

| Field               | Type                                                                  | Required | Description                                                                                                                                          |
| :------------------ | :-------------------------------------------------------------------- | :------: | :--------------------------------------------------------------------------------------------------------------------------------------------------- |
| `amount`            | `number`                                                              |     ✅    | Payment amount in the smallest currency unit (e.g., cents for USD)                                                                                   |
| `currency`          | `string`                                                              |     ✅    | ISO 4217 currency code (e.g., "USD", "EUR")                                                                                                          |
| `paymentMethod`     | [PaymentMethod](/api-reference/objects/payment-method)                |     ✅    | The chosen payment method details (e.g., card)                                                                                                       |
| `merchantReference` | `string`                                                              |     ✅    | Merchant's unique identifier for this payment                                                                                                        |
| `source`            | [Source](/api-reference/objects/source)                               |     ✅    | Details related to where a payment originated                                                                                                        |
| `goodsType`         | `string`                                                              |     ✅    | Type of goods being purchased<br />**Values:** `PHYSICAL` (tangible items), `DIGITAL` (non-physical items), `MIXED` (combination of both)            |
| `productItems`      | `array` of [ProductItem](/api-reference/objects/product-item)         |     ❌    | List of product or service items included in this payment                                                                                            |
| `captureNow`        | `boolean`                                                             |     ❌    | Determines how the payment is processed<br />**Behavior:** `false` (default) - Authorization only, `true` - Sale (authorize and capture in one step) |
| `descriptor`        | `string`                                                              |     ❌    | Text shown on the customer's bank statement (e.g., merchant or product name)                                                                         |
| `consumer`          | [Consumer](/api-reference/objects/consumer)                           |     ❌    | Consumer details such as name, email, phone                                                                                                          |
| `billing`           | [Billing](/api-reference/objects/billing)                             |     ❌    | Billing address information                                                                                                                          |
| `shipping`          | [Shipping](/api-reference/objects/shipping)                           |    ⚠️    | Shipping address and recipient details. **Required when `goodsType` is not `"DIGITAL"`**                                                             |
| `previousFailures`  | `array` of [PreviousFailure](/api-reference/objects/previous-failure) |     ❌    | Array of previous failed payment attempts with other providers. **Providing this context can help improve approval rates when retrying payments**    |