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

# Payments overview

> Fund escrows and wallets, generate virtual accounts, and verify references and bank details.

This group moves money: it funds escrows, tops up customer wallets, and provides
the verification helpers around payments. Most routes act on behalf of a buyer, so
they need the **`customer-id`** header. See
[fees & settlement](/concepts/fees-and-settlement) for what the buyer is charged.

<Info>
  **Funding an escrow** is the headline call: [Pay escrow](/api-reference/payments/pay-escrow-buy).
  The deposit/verify pair ([Create payment intent](/api-reference/payments/create-payment-intent)
  → [Verify payment](/api-reference/payments/verify-payment)) is for topping up a
  **wallet** before paying with the `WALLET` gateway, or for completing card/bank
  gateways.
</Info>

## Core money movement

| Route                                                                  | Method & path                    | What it does                                                                                                                                                                                                                                                                                                                               |
| ---------------------------------------------------------------------- | -------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [Pay escrow (buy)](/api-reference/payments/pay-escrow-buy)             | `POST /v1/payment/escrow`        | Funds an escrow (standard **or** milestone, funded in full). Charges the escrow amount + the buyer's fee share; escrow → `OPENED`. `escrowDetails.escrowId` may be an **array** to fund several at once. **`customer-id` = buyer.**                                                                                                        |
| [Create payment intent](/api-reference/payments/create-payment-intent) | `POST /v1/payment/create-intent` | A merchant customer's payout or top-up: **fiat bank withdrawal** (`withdrawal` + `withdrawalDetails`), **crypto transfer** (`withdrawal` + `blockchainDetails`), **card deposit** (`deposit` + `depositDetails.cardId`, a saved/tokenized card), or **wallet transfer** (`wallet_transfer` + `walletDetails`). **`customer-id` required.** |
| [Verify payment](/api-reference/payments/verify-payment)               | `POST /v1/payment/verify`        | **Submits a created intent for processing** (step 2 of the two-step flow); this is what actually moves the money. Takes a single `reference` (+ `otp` when required). **`customer-id` required.**                                                                                                                                          |

## Funding accounts

| Route                                                                                 | Method & path                      | What it does                                                                                                           |
| ------------------------------------------------------------------------------------- | ---------------------------------- | ---------------------------------------------------------------------------------------------------------------------- |
| [Generate virtual account](/api-reference/payments/generate-virtual-account)          | `POST /v1/payment/virtual-account` | Issues a temporary virtual account for a **merchant customer** to receive a bank transfer. **`customer-id` required.** |
| [Top up virtual account](/api-reference/payments/top-up-virtual-account-staging-only) | `POST /v1/payment/topup`           | **Staging-only** test helper: credits a customer's wallet once per day. **`customer-id` required.**                    |
| [Get payment history](/api-reference/payments/get-payment-history)                    | `GET /v1/payment/history`          | Paginated money in/out for a customer. **`customer-id` required.**                                                     |

## Verification helpers

| Route                                                                          | Method & path                          | What it does                                                  |
| ------------------------------------------------------------------------------ | -------------------------------------- | ------------------------------------------------------------- |
| [Get bank list](/api-reference/payments/get-bank-list)                         | `GET /v1/payment/bank-list`            | Banks with their codes, for use in `verify-account`.          |
| [Verify account number](/api-reference/payments/verify-account-number)         | `POST /v1/payment/verify-account`      | Resolves an `accountNumber` + `bankCode` to an account name.  |
| [Verify phone number](/api-reference/payments/verify-phone-number)             | `GET /v1/payment/verify-phone/{phone}` | Checks a phone belongs to one of your merchant customers.     |
| [Get master wallet address](/api-reference/payments/get-master-wallet-address) | `GET /v1/payment/deposit/wallet`       | Returns the crypto master-wallet deposit address and network. |

<Tip>
  **Wallet flow:** Create payment intent → buyer pays the `authorizationUrl` →
  Verify payment → balance available → Pay escrow with `gateway: WALLET`. On
  staging, replace the first three steps with [Top up](/api-reference/payments/top-up-virtual-account-staging-only).
</Tip>