# RazPay Docs

> Collect, pay out and refund through your own mobile money accounts, with one ledger of every movement.

## Docs

- [Introduction](https://razpay.razonetix.com/docs): 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.
- [Quickstart](https://razpay.razonetix.com/docs/quickstart): Go from a new project to your first successful payment.

## Concepts

- [Authentication](https://razpay.razonetix.com/docs/concepts/authentication): Every request carries a project API key. A key's permissions decide whether it can only take money in or can also send money out.
- [The ledger](https://razpay.razonetix.com/docs/concepts/transactions): Every collection, payout and refund is a transaction. How they're typed, how they resolve, and how references keep retries safe.
- [Webhooks](https://razpay.razonetix.com/docs/concepts/webhooks): RazPay pushes a signed event to your server whenever a transaction, pre-approval or invoice changes state.
- [Pagination](https://razpay.razonetix.com/docs/concepts/pagination): How every list endpoint pages, searches and reports totals.
- [Errors](https://razpay.razonetix.com/docs/concepts/errors): The response envelope, HTTP status codes, and what a failed transaction's reason means.
- [Rate limits](https://razpay.razonetix.com/docs/concepts/rate-limits): How many requests you can make, the headers that report your quota, and how to handle a 429.

## Guides

- [Collect payments](https://razpay.razonetix.com/docs/guides/collect-payments): Ask a customer to approve a payment on their phone, and know reliably when it's done.
- [Send payouts](https://razpay.razonetix.com/docs/guides/payouts): Pay people from your MoMo disbursement account, with checks and limits so money only goes where you intend.
- [Refund payments](https://razpay.razonetix.com/docs/guides/refunds): Return all or part of a payment to the person who paid it.
- [Recurring payments](https://razpay.razonetix.com/docs/guides/recurring-payments): Ask a customer once to approve future debits, then charge them without a prompt each time.
- [Invoices](https://razpay.razonetix.com/docs/guides/invoices): Send a bill the customer pays later from any MoMo channel, and see it in the ledger when it's paid.
- [Wallet checks and balances](https://razpay.razonetix.com/docs/guides/wallet-checks): Confirm a number is an active wallet and see whose it is before money moves, and read your own account balances.
- [Message the payer](https://razpay.razonetix.com/docs/guides/payer-messages): Send the customer an SMS after a successful payment, with a receipt, ticket or booking number.
- [Using the dashboard](https://razpay.razonetix.com/docs/guides/dashboard): What your team can see and do in the RazPay dashboard.
- [Best practices](https://razpay.razonetix.com/docs/guides/best-practices): How to build a RazPay integration that never charges twice, never misses a result and keeps money movements under control.

## API reference

- [Collect a payment](https://razpay.razonetix.com/docs/api/collect): Send a payment request to a customer's wallet. Needs the collect permission.
- [Get a transaction](https://razpay.razonetix.com/docs/api/get-transaction): Look up any of your project's transactions by your own reference.
- [List transactions](https://razpay.razonetix.com/docs/api/list-transactions): Page through your project's ledger, most recent first.
- [Refund a payment](https://razpay.razonetix.com/docs/api/refund): Return all or part of a successful payment from your disbursement account. Needs the refund permission.
- [Message the payer](https://razpay.razonetix.com/docs/api/notify): Send the payer of a successful payment an extra SMS. Needs the collect permission.
- [Send a payout](https://razpay.razonetix.com/docs/api/create-payout): Send money from your disbursement account to a MoMo wallet. Needs the payout permission.
- [Get a payout](https://razpay.razonetix.com/docs/api/get-payout): Look up one of your payouts by its reference. Needs the payout permission.
- [Check a wallet](https://razpay.razonetix.com/docs/api/lookup-account): Find out whether a number is an active wallet, and whose it is.
- [Get balances](https://razpay.razonetix.com/docs/api/balances): Read the available balance of your provider accounts.
- [Request a pre-approval](https://razpay.razonetix.com/docs/api/create-preapproval): Ask a customer to approve future debits without a prompt each time. Needs the collect permission.
- [Get a pre-approval](https://razpay.razonetix.com/docs/api/get-preapproval): Look up a pre-approval by your reference.
- [List pre-approvals](https://razpay.razonetix.com/docs/api/list-preapprovals): Page through your project's pre-approvals, most recent first.
- [Cancel a pre-approval](https://razpay.razonetix.com/docs/api/cancel-preapproval): Stop charging a customer under a pre-approval. Needs the collect permission.
- [Create an invoice](https://razpay.razonetix.com/docs/api/create-invoice): Send a bill the customer pays later from any MoMo channel. Needs the collect permission.
- [Get an invoice](https://razpay.razonetix.com/docs/api/get-invoice): Look up an invoice by your reference.
- [List invoices](https://razpay.razonetix.com/docs/api/list-invoices): Page through your project's invoices, most recent first.
- [Cancel an invoice](https://razpay.razonetix.com/docs/api/cancel-invoice): Withdraw an open invoice. Needs the collect permission.
- [List providers](https://razpay.razonetix.com/docs/api/list-providers): The providers enabled for your project.

## Providers

- [MTN MoMo](https://razpay.razonetix.com/docs/providers/mtn-momo): Connect your MTN Mobile Money collection and disbursement accounts, and what to expect from MoMo.

## Agent skills

- [razpay-docs](https://razpay.razonetix.com/docs/.well-known/agent-skills/razpay-docs/SKILL.md): Read the RazPay Docs instead of answering from memory. Collect, pay out and refund through your own mobile money accounts, with one ledger of every movement. Use when a task involves RazPay Docs: how it works, how to set it up or configure it, or its API.

## Agent resources

- [llms-full.txt](https://razpay.razonetix.com/docs/llms-full.txt): The full Markdown of every page in one file.
- [Page Markdown](https://razpay.razonetix.com/docs/index.md): Append `.md` to any page URL to fetch that page as raw Markdown.
- [JSON API](https://razpay.razonetix.com/docs/api/docs/pages.json): Page index of the JSON docs API; each entry links the page's JSON and Markdown forms. Described by the OpenAPI document at https://razpay.razonetix.com/docs/openapi.json.
- [Agent skills](https://razpay.razonetix.com/docs/.well-known/agent-skills/index.json): Agent Skills discovery index of the skills this site publishes.
- [API catalog](https://razpay.razonetix.com/docs/.well-known/api-catalog): RFC 9727 linkset of the APIs documented here.
- [AI catalog](https://razpay.razonetix.com/docs/.well-known/ai-catalog.json): ARD manifest of the agent-facing resources on this site (MCP server, skills, APIs).
- [agent-readability.json](https://razpay.razonetix.com/docs/agent-readability.json): Manifest of every agent-facing artifact on this site.
- [Sitemap](https://razpay.razonetix.com/docs/sitemap.xml): Every indexable page URL with its last-modified date.