# Getpaid

> Getpaid is a licensed European (EEA) embedded-payments platform that lets software platforms process payments while keeping the merchant relationship and the transaction margin. Core capabilities: embedded/hosted checkout across 30+ payment methods, atomic real-time split settlement across multiple parties, seller onboarding (KYC/KYB), subscriptions/invoicing with SEPA Direct Debit, and an AI-native agent-payments API with scoped authority tokens. PCI-DSS Level 1, GDPR, PSD2/SCA.

## APIs

- [Getpaid API v2](https://docs.getpaid.io/api): OAuth 2.0 client-credentials REST API. Live https://api.getpaid.io, Sandbox https://api.sandbox.getpaid.io. Checkouts, Payments, Refunds, Applications (onboarding), Accounts.

## Specs

- [OpenAPI 3.1 (v2)](https://docs.getpaid.io/specs/api.yaml): 16 operations, 199 schemas, 10 webhook events, RFC 7807 errors.

## Docs

- [Documentation home](https://docs.getpaid.io)
- [API reference](https://docs.getpaid.io/api)
- [Hosted checkout](https://docs.getpaid.io/payments/checkouts)
- [Splits (split settlement)](https://docs.getpaid.io/monetize/splits)
- [Seller onboarding applications](https://docs.getpaid.io/onboard-sellers/applications)
- [Idempotency](https://docs.getpaid.io/integration/api/idempotency)
- [Testing / sandbox](https://docs.getpaid.io/integration/testing)
- [Postman collection](https://docs.getpaid.io/integration/api/postman)
- [Release notes](https://docs.getpaid.io/release-notes)
- [Compliance & security](https://getpaid.io/compliance)
- [Dashboard](https://dashboard.getpaid.io)

## Auth

- OAuth 2.0 client-credentials grant. Token endpoint: https://auth.getpaid.io/oauth/token (audience parameter required).
- Scopes: accounts:read, accounts:read_write, payments:read, payments:read_write.

## Conventions

- Idempotency: Getpaid-Idempotency-Key header on mutating requests.
- Tracing: Getpaid-Trace-Id header (required).
- Pagination: opaque cursor.
- Amounts: minor units; ISO 3166-1 alpha-2 countries; ISO 4217 currencies.