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

# Welcome to Paymnt Cloud

> Paymnt Cloud is a unified payments orchestration layer with smart routing and full-lifecycle tooling.

* **Single API, many processors** — plug once, route anywhere.
* **Smart routing & failover** — profile-based rules and cascading retries.
* **High-risk ready** — supports complex verticals alongside retail/SaaS/marketplaces.
* **GDPR/PII aware** — tokenization, selective redaction, erasure endpoints.

**Production:** `https://api.paymnt.cloud`\
**Sandbox:** `https://sandbox.paymnt.cloud`

***

## Getting started

* Quick path: [Quickstart](/pages/quickstart) → [Authentication](/pages/essentials/authentication) → [Create a payment](/pages/guides/payments/create)
* Environments: [Production & Sandbox](/pages/environments)

Try live calls in the **API reference** tab (left/top) using the built-in **Try it**.

```bash theme={null}
# List customers
curl -X GET "https://api.paymnt.cloud/customers" \
  -H "Accept: application/json" \
  -H "api-key: <YOUR_SECRET_KEY>"

# Create a minimal payment
curl -X POST "https://api.paymnt.cloud/payments" \
  -H "Content-Type: application/json" \
  -H "api-key: <YOUR_SECRET_KEY>" \
  -d '{"amount":1000,"currency":"USD","description":"Order #1001"}'
```

**Auth headers** (server-side only):

* `api-key: <YOUR_SECRET_KEY>`
* `x-profile-id: <pro_...>` (optional)

***

## Essentials

* [Authentication](/pages/essentials/authentication)
* [Error Codes](/pages/essentials/error-codes)
* [Rate Limits](/pages/essentials/rate-limits)
* [Idempotency](/pages/essentials/idempotency)
* [Pagination & Filtering](/pages/essentials/pagination-filtering)

***

## Guides

### Payments

* [Overview](/pages/guides/payments/overview)
* [Create](/pages/guides/payments/create)
* [Capture & Void](/pages/guides/payments/capture-void)
* [Refunds from a payment](/pages/guides/payments/refunds)
* [3DS & SCA](/pages/guides/payments/3ds-sca)
* [Payment methods](/pages/guides/payments/payment-methods)

### Customers

* [Overview](/pages/guides/customers/overview)
* [Tokens & Vault](/pages/guides/customers/tokens-vault)

### Refunds

* [Overview](/pages/guides/refunds/overview)
* [Create & List](/pages/guides/refunds/create-list)

### Disputes

* [Overview](/pages/guides/disputes/overview)
* [Evidence](/pages/guides/disputes/evidence)

***

## Platform

* [Connectors](/pages/platform/connectors)
* [Smart Routing](/pages/platform/routing)
* [Profiles](/pages/platform/profiles)
* [Reconciliation & Reporting](/pages/platform/reconciliation-reporting)

***

## Webhooks & Events

* [Overview](/pages/webhooks/overview)
* [Event types](/pages/webhooks/event-types)
* [Signing & retries](/pages/webhooks/signing-retries)

***

## SDKs & Tools

* [JavaScript SDK](/pages/sdks/js)
* [Server SDKs](/pages/sdks/server)
* [Postman & CLI](/pages/sdks/postman-cli)

***

## Sandbox & Testing

* [Sandbox](/pages/testing/sandbox)
* [Test cards & 3DS](/pages/testing/test-cards-3ds)

***

## Security & Compliance

* [PCI scope](/pages/security/pci)
* [GDPR & PII](/pages/security/gdpr-pii)
* [RBAC & Keys](/pages/security/rbac-keys)

***

## Operations

* [Retries & backoff](/pages/operations/retries-backoff)
* [Observability](/pages/operations/observability)
* [Changelog](/pages/operations/changelog)

***

## Support

* [FAQ](/pages/support/faq)
* [Contact support](/pages/support/contact) — please include your request\_id and endpoint details for faster help.