---
title: Introduction
description: RazPay is a payment ledger. Collect, pay out and refund through your own mobile money accounts, and keep one record of every movement across your projects.
---

RazPay sits between your applications and your payment provider. You connect your own provider accounts, your applications call one API, and RazPay records every payment in a single ledger: money coming in, money going out, and why anything failed.

**RazPay never holds your money.** Customers pay straight into your provider account, and payouts and refunds leave from it. RazPay sends the instructions and keeps the record.

## What you can do

**[Collect payments](/docs/guides/collect-payments)**

Ask a customer to approve a payment on their phone.

**[Send payouts](/docs/guides/payouts)**

Pay people from your disbursement account: commissions, salaries, suppliers.

**[Refund payments](/docs/guides/refunds)**

Return all or part of a payment to the person who paid.

**[Recurring payments](/docs/guides/recurring-payments)**

Charge a customer again without a prompt, once they pre-approve it.

**[Invoices](/docs/guides/invoices)**

Send a bill the customer pays later from any channel.

**[Check wallets and balances](/docs/guides/wallet-checks)**

Confirm a number before money moves, and read your account balances.

## How it fits together

- **Organisation:** your business on RazPay. We set it up when we onboard you, and your admins invite the rest of the team and [connect your provider accounts](/docs/providers/mtn-momo#connecting-your-accounts).
- **Project:** one product, store or app. Each project has its own API keys, webhook endpoint, settings and slice of the ledger.
- **Provider:** the payment network money moves through. Today that is [MTN MoMo](/docs/providers/mtn-momo), with a **collection account** for money in and a **disbursement account** for money out.
- **Transaction:** one ledger row. Every collection, payout and refund is a transaction with a status that moves from `pending` to `successful` or `failed`. See [The ledger](/docs/concepts/transactions).

## Base URL

All API requests go to:

```txt
https://api.razpay.razonetix.com/v1
```

Every request is authenticated with an API key that belongs to one project. See [Authentication](/docs/concepts/authentication).

## Next steps

**[Quickstart](/docs/quickstart)**

Take your first payment in five steps.

**[API reference](/docs/api/collect)**

Every endpoint, field and response.