Payments API
Pay-Pi — one API for payments
A simple REST API to accept cards and ACH, onboard merchants, and get paid. Clean endpoints, hosted onboarding, signed webhooks, and pricing you can read off the page.
curl https://connect.pay-pi.com/v1/payments \
-H "X-Api-Key: lc_live_..." \
-H "Content-Type: application/json" \
-d '{
"amountCents": 4200,
"currency": "USD",
"finixToken": "TKe9x...",
"orderRef": "order-1042"
}'What it is
Payments infrastructure, minus the complexity
Pay-Pi gives you a single REST API for accepting money and paying it out. You integrate one set of endpoints; we handle merchant onboarding, card and ACH processing, compliance, and payouts behind the scenes. It is production-grade payments processing wrapped in an interface a developer can pick up in an afternoon.
Features
Everything you need to charge
The building blocks for taking payments, without stitching together five vendors.
One REST API
A single, predictable HTTP API to charge, refund, and pay out. JSON in, JSON out — authenticated with one API key.
Card + ACH
Accept card payments and bank transfers (ACH) through the same endpoint. One integration, two rails.
Hosted onboarding
Send merchants through a hosted onboarding form. We handle KYC and underwriting; you get a ready-to-charge account.
Webhooks
Signed webhook events for ACH settlement, disputes, and onboarding changes are forwarded to your callback URL so your systems stay in sync.
Built-in readiness
Every merchant has a live readiness signal — onboarding status, charges enabled, and PCI validation — surfaced in the dashboard and API.
Transparent pricing
Flat, published per-transaction pricing. No monthly minimums, no surprises. See exactly what each charge costs.
Pricing
Simple, transparent pricing
Per-transaction. No monthly fees, no minimums, no setup cost.
Card
2.5% + $0.30
per successful card charge
- ✓ All major card networks
- ✓ Charge & refund
- ✓ No monthly minimum
ACH
$1.00 flat
flat, per ACH transfer
- ✓ Bank-to-bank transfers
- ✓ Same API as cards
- ✓ Flat fee, any amount
Prices shown in USD. Pricing is per successful transaction and is billed to your Pay-Pi account.
Ready to take your first payment?
Create an account, grab an API key, and send merchants through onboarding — all self-serve.