---
description: >-
  Welcome to the Inyo Payment Gateway documentation. Accept card and ACH
  payments, send domestic and international payouts, and manage the full
  transaction lifecycle.
---

# Payments Gateway

The Inyo Payment Gateway provides a unified API for **pull** (collect) and **push** (payout) operations across multiple payment methods and providers.

## Capabilities

| Feature | Description |
|---|---|
| **Card Payments** | Accept Visa, Mastercard, Amex, and Discover via tokenized card data |
| **ACH Transfers** | Pull funds from US bank accounts |
| **International Payouts** | Push to cards, bank accounts, PIX, and wallets in 165+ countries |
| **3D Secure** | Built-in 3DS authentication with Cardinal |
| **Smart Routing** | Automatic provider selection for optimal success rates |
| **Fraud Prevention** | AVS, CVC verification, velocity controls, and built-in anti-fraud |
| **Payment Link** | Remote AFT collection via SMS or WhatsApp — money transfer, top-up, bill pay, prepaid, and wallets |
| **Smart Terminal** | In-person AFT collection with NFC tap-to-pay and manual card entry at agent locations |

## Documentation Guide

| Section | What You'll Learn |
|---|---|
| [**Getting Started**](getting-started.md) | Quick start guide with end-to-end payment example |
| [**Authentication**](authentication-methods.md) | OAuth 2.0 token flow |
| [**Environments**](environments.md) | Sandbox and production URLs |
| [**Technical Resources**](technical-resources.md) | API keys, rate limits, OpenAPI spec |
| [**APIs**](apis/) | All endpoints: tokenization, payments, capture, void, refund |
| [**Webhooks**](apis/webhooks.md) | Real-time transaction notifications |
| [**Test Data**](apis/test-data/cards.md) | Sandbox cards and simulation codes |
| [**Mitigating Fraud**](mitigating-fraud.md) | Security best practices |
| [**Payment Link**](payment-link.md) | Remote AFT collection via SMS/WhatsApp payment links |
| [**Smart Terminal**](smart-terminal.md) | In-person AFT collection with NFC and manual card entry |
| [**Background**](background/) | Architecture and infrastructure overview |