Platform Quickstart

Before you Start

To start, create your Finix sandbox account to access the Finix Dashboard and create an API Key. You can use your sandbox account to build and test your integration into Finix's APIs, as well as use the Finix Dashboard to manage payments, sellers, and more.

To create an API Key in the Dashboard, navigate to Developer > Create API Key. Save your username and password on your computer; you won't be able to access the same credentials after closing the window.

Step 1: Onboard your Seller

Create an Identity

  • The first step to processing your sellers' payments is creating an Identity with your seller's information
  • You will create 1 Identity your seller, and 1 Identity for each beneficial owner with more than 25% ownership (if applicable)
Request
curl "https://finix.sandbox-payments-api.com/identities" \
    -H "Content-Type: application/json" \
    -H "Finix-Version: 2022-02-01" \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "entity": {
            "annual_card_volume": 12000000,
            "business_address": {
                "city": "San Mateo",
                "country": "USA",
                "region": "CA",
                "line2": "Apartment 8",
                "line1": "741 Douglass St",
                "postal_code": "94114"
            },
            "business_name": "Finix Flowers",
            "business_phone": "+1 (408) 756-4497",
            "business_tax_id": "123456789",
            "business_type": "INDIVIDUAL_SOLE_PROPRIETORSHIP",
            "default_statement_descriptor": "Finix Flowers",
            "dob": {
                "year": 1978,
                "day": 27,
                "month": 6
            },
            "doing_business_as": "Finix Flowers",
            "email": "user@example.org",
            "first_name": "John",
            "has_accepted_credit_cards_previously": true,
            "incorporation_date": {
                "year": 1978,
                "day": 27,
                "month": 6
            },
            "last_name": "Smith",
            "max_transaction_amount": 12000000,
            "mcc": "4900",
            "ownership_type": "PRIVATE",
            "personal_address": {
                "city": "San Mateo",
                "country": "USA",
                "region": "CA",
                "line2": "Apartment 7",
                "line1": "741 Douglass St",
                "postal_code": "94114"
            },
            "phone": "1234567890",
            "principal_percentage_ownership": 50,
            "tax_id": "123456789",
            "title": "CEO",
            "url": "www.Finix.com"
        },
        "additional_underwriting_data": {
            "annual_ach_volume": 200000,
            "average_ach_transfer_amount": 200000,
            "average_card_transfer_amount": 200000,
            "business_description": "SB3 vegan cafe",
            "card_volume_distribution": {
                "card_present_percentage": 30,
                "mail_order_telephone_order_percentage": 10,
                "ecommerce_percentage": 60
            },
            "credit_check_allowed": true,
            "credit_check_ip_address": "42.1.1.113",
            "credit_check_timestamp": "2021-04-28T16:42:55Z",
            "credit_check_user_agent": "Mozilla 5.0(Macintosh; IntelMac OS X 10 _14_6)",
            "merchant_agreement_accepted": true,
            "merchant_agreement_ip_address": "42.1.1.113",
            "merchant_agreement_timestamp": "2021-04-28T16:42:55Z",
            "merchant_agreement_user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_6)",
            "refund_policy": "MERCHANDISE_EXCHANGE_ONLY",
            "volume_distribution_by_business_type": {
                "other_volume_percentage": 0,
                "consumer_to_consumer_volume_percentage": 0,
                "business_to_consumer_volume_percentage": 0,
                "business_to_business_volume_percentage": 100,
                "person_to_person_volume_percentage": 0
            }
        }
    }'
Response
{
    "id": "IDt32S8y5zoAXAxzZDCVYjDH",
    "created_at": "2024-11-06T21:09:56.63Z",
    "updated_at": "2024-11-06T21:09:56.63Z",
    "additional_underwriting_data": {
        "refund_policy": "MERCHANDISE_EXCHANGE_ONLY",
        "credit_check_ip_address": "42.1.1.113",
        "card_volume_distribution": {
            "card_present_percentage": 30,
            "mail_order_telephone_order_percentage": 10,
            "ecommerce_percentage": 60
        },
        "average_ach_transfer_amount": 200000,
        "average_card_transfer_amount": 200000,
        "merchant_agreement_accepted": true,
        "merchant_agreement_user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_6)",
        "merchant_agreement_ip_address": "42.1.1.113",
        "annual_ach_volume": 200000,
        "credit_check_allowed": true,
        "business_description": "SB3 vegan cafe",
        "credit_check_user_agent": "Mozilla 5.0(Macintosh; IntelMac OS X 10 _14_6)",
        "volume_distribution_by_business_type": {
            "other_volume_percentage": 0,
            "consumer_to_consumer_volume_percentage": 0,
            "business_to_consumer_volume_percentage": 0,
            "business_to_business_volume_percentage": 100,
            "person_to_person_volume_percentage": 0
        },
        "credit_check_timestamp": "2021-04-28T16:42:55Z",
        "merchant_agreement_timestamp": "2021-04-28T16:42:55Z"
    },
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "entity": {
        "ach_max_transaction_amount": 12000000,
        "amex_mid": null,
        "annual_card_volume": 12000000,
        "business_address": {
            "line1": "741 Douglass St",
            "line2": "Apartment 8",
            "city": "San Mateo",
            "region": "CA",
            "postal_code": "94114",
            "country": "USA"
        },
        "business_name": "Finix Flowers",
        "business_phone": "+1 (408) 756-4497",
        "business_tax_id_provided": true,
        "business_type": "INDIVIDUAL_SOLE_PROPRIETORSHIP",
        "default_statement_descriptor": "Finix Flowers",
        "discover_mid": null,
        "dob": {
            "day": 27,
            "month": 6,
            "year": 1978
        },
        "doing_business_as": "Finix Flowers",
        "email": "user@example.org",
        "first_name": "John",
        "has_accepted_credit_cards_previously": true,
        "incorporation_date": {
            "day": 27,
            "month": 6,
            "year": 1978
        },
        "last_name": "Smith",
        "max_transaction_amount": 12000000,
        "mcc": "4900",
        "ownership_type": "PRIVATE",
        "personal_address": {
            "line1": "741 Douglass St",
            "line2": "Apartment 7",
            "city": "San Mateo",
            "region": "CA",
            "postal_code": "94114",
            "country": "USA"
        },
        "phone": "1234567890",
        "principal_percentage_ownership": 50,
        "short_business_name": null,
        "tax_authority": null,
        "tax_id_provided": true,
        "title": "CEO",
        "url": "www.Finix.com"
    },
    "identity_roles": ["SELLER"],
    "type": "BUSINESS",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH/verifications"
        },
        "merchants": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH/merchants"
        },
        "settlements": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH/settlements"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH/transfers"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH/payment_instruments"
        },
        "associated_identities": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH/associated_identities"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH/disputes"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        }
    }
}

Create a Payment Instrument

  • Next, you will link the bank account to which your seller will receive their settlement payouts
  • To do this, you will create a Payment Instrument linked to the Identity ID from the previous step
Note on Payment Instruments

Payment Instrument resources represent the payment details of cards or bank accounts. Tokenizing the same card or bank account multiple times will create multiple unique Payment Instruments, each with the same fingerprint. Each Payment Instrument is associated with one single Identity; once a Payment Instrument is created, the Identity it is associated with cannot be changed.

Request
curl "https://finix.sandbox-payments-api.com/payment_instruments" \
    -H "Content-Type: application/json" \
    -H "Finix-Version: 2022-02-01" \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "account_number": "2368271638",
        "account_type": "SAVINGS",
        "bank_code": "323070380",
        "country": "USA",
        "currency": "USD",
        "identity": "IDt32S8y5zoAXAxzZDCVYjDH",
        "name": "John Smith",
        "type": "BANK_ACCOUNT"
    }'
Response
{
    "id": "PI7Ct7qFRcpEN8goMcZgf4jJ",
    "created_at": "2024-11-06T21:29:12.25Z",
    "updated_at": "2024-11-06T21:29:12.25Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "created_via": "API",
    "currency": "USD",
    "disabled_code": null,
    "disabled_message": null,
    "enabled": true,
    "fingerprint": "FPRbH56XSAxjgJ2e5FT4CYUkC",
    "identity": "IDt32S8y5zoAXAxzZDCVYjDH",
    "instrument_type": "BANK_ACCOUNT",
    "account_type": "SAVINGS",
    "bank_account_validation_check": "NOT_ATTEMPTED",
    "bank_code": "323070380",
    "country": "USA",
    "institution_number": null,
    "masked_account_number": "XXXXXX1638",
    "name": "John Smith",
    "transit_number": null,
    "tags": {},
    "third_party": null,
    "third_party_token": null,
    "type": "BANK_ACCOUNT",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI7Ct7qFRcpEN8goMcZgf4jJ"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI7Ct7qFRcpEN8goMcZgf4jJ/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI7Ct7qFRcpEN8goMcZgf4jJ/transfers"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI7Ct7qFRcpEN8goMcZgf4jJ/verifications"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH"
        }
    }
}

Create a Merchant

  • Finally, you will create your seller's Merchant account
  • This is the resource you will use to process your seller's payments
  • The Merchant account will be ready to process payments once APPROVED
Merchant States

Your Merchant's onboarding_state can be PROVISIONING, APPROVED, REJECTED, or UPDATE_REQUESTED. We recommend integrating into our webhooks to listen for any Merchant state changes.

Request
curl "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH/merchants" \
    -H "Content-Type: application/json" \
    -H "Finix-Version: 2022-02-01" \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "processor": "DUMMY_V1"
    }'
Response
{
    "id": "MUjkcqc7G5LHTs6MV3EAmwZ7",
    "created_at": "2024-11-06T21:36:52.11Z",
    "updated_at": "2024-11-06T21:36:52.11Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "card_cvv_required": false,
    "card_expiration_date_required": true,
    "card_network_details": null,
    "convenience_charges_enabled": false,
    "country": "USA",
    "creating_transfer_from_report_enabled": true,
    "currencies": ["USD"],
    "default_partial_authorization_enabled": false,
    "disbursements_ach_pull_enabled": false,
    "disbursements_ach_push_enabled": false,
    "disbursements_card_pull_enabled": false,
    "disbursements_card_push_enabled": false,
    "disbursements_same_day_ach_pull_enabled": false,
    "disbursements_same_day_ach_push_enabled": false,
    "fee_ready_to_settle_upon": "RECONCILIATION",
    "gateway": null,
    "gross_settlement_enabled": false,
    "identity": "IDt32S8y5zoAXAxzZDCVYjDH",
    "instant_payouts_card_push_enabled": false,
    "level_two_level_three_data_enabled": false,
    "loan_repayment": null,
    "mcc": "4900",
    "merchant_name": "Finix Flowers",
    "merchant_profile": "MPojjQ29ZdtvXpDtGq3mRHQd",
    "mid": null,
    "onboarding_state": "PROVISIONING",
    "processing_enabled": false,
    "processor": "DUMMY_V1",
    "processor_details": {},
    "ready_to_settle_upon": "RECONCILIATION",
    "ready_to_settle_upon_delay_alignment": "NONE",
    "rent_surcharges_enabled": false,
    "settlement_enabled": false,
    "settlement_funding_identifier": "UNSET",
    "settlement_queue_mode": "UNSET",
    "surcharges_enabled": false,
    "tags": {},
    "verification": "VI2Go4k57RMX9MP9hFP6EypC",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUjkcqc7G5LHTs6MV3EAmwZ7"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUjkcqc7G5LHTs6MV3EAmwZ7/verifications"
        },
        "merchant_profile": {
            "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MPojjQ29ZdtvXpDtGq3mRHQd"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "verification": {
            "href": "https://finix.sandbox-payments-api.com/verifications/VI2Go4k57RMX9MP9hFP6EypC"
        }
    }
}

Step 2: Create your Buyer

Create an Identity

  • The next step is creating an Identity for your buyer
  • This resource represents the customer to which your seller makes a sale
  • All buyer Identity fields are optional, but Finix recommends passing in the name and email to help with accounting, reconciliation, and disputes
Request
curl "https://finix.sandbox-payments-api.com/identities" \
    -H "Content-Type: application/json" \
    -H "Finix-Version: 2022-02-01" \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "entity": {
            "first_name": "John",
            "last_name": "Doe",
            "email": "johndoe@gmail.com"
        }
    }'
Response
{
    "id": "IDaCkuMuYhNA5TnagminJzrZ",
    "created_at": "2024-11-07T05:58:00.93Z",
    "updated_at": "2024-11-07T05:58:00.93Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "entity": {
        "ach_max_transaction_amount": 0,
        "amex_mid": null,
        "annual_card_volume": 0,
        "business_address": null,
        "business_name": null,
        "business_phone": null,
        "business_tax_id_provided": false,
        "business_type": null,
        "default_statement_descriptor": null,
        "discover_mid": null,
        "dob": null,
        "doing_business_as": null,
        "email": "johndoe@gmail.com",
        "first_name": "John",
        "has_accepted_credit_cards_previously": false,
        "incorporation_date": null,
        "last_name": "Doe",
        "max_transaction_amount": 0,
        "mcc": null,
        "ownership_type": null,
        "personal_address": {
            "line1": null,
            "line2": null,
            "city": null,
            "region": null,
            "postal_code": null,
            "country": null
        },
        "phone": null,
        "principal_percentage_ownership": null,
        "short_business_name": null,
        "tax_authority": null,
        "tax_id_provided": false,
        "title": null,
        "url": null
    },
    "identity_roles": [],
    "tags": {},
    "type": "PERSONAL",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ/verifications"
        },
        "merchants": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ/merchants"
        },
        "settlements": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ/settlements"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ/transfers"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ/payment_instruments"
        },
        "associated_identities": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ/associated_identities"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ/disputes"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        }
    }
}

Create a Payment Instrument

  • Next, create a Payment Instrument to represent the payment card or bank account your buyer will use for the sale
  • PCI Level 1-compliant organizations can collect and pass in sensitive payment data directly
  • Organizations that are not PCI Level 1-compliant must use Finix's Tokenization Forms or Mobile Tokenization to collect and pass in sensitive payment data
PCI Level 1 Compliance

Please reach out to your Finix point-of-contact should you have any questions about PCI Level 1 Compliance.

Request
curl "https://finix.sandbox-payments-api.com/payment_instruments" \
    -H "Content-Type: application/json" \
    -H "Finix-Version: 2022-02-01" \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "address": {
            "city": "San Francisco",
            "country": "USA",
            "line1": "900 Metro Center Blv",
            "postal_code": "94404",
            "region": "CA"
        },
        "expiration_month": 12,
        "expiration_year": 2029,
        "identity": "IDaCkuMuYhNA5TnagminJzrZ",
        "name": "John Smith",
        "number": "5200828282828210",
        "security_code": "022",
        "type": "PAYMENT_CARD"
    }'
Response
{
    "id": "PImHzckmbE8HAfwZpRQwJDBd",
    "created_at": "2024-11-07T06:14:48.47Z",
    "updated_at": "2024-11-07T06:14:48.47Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "created_via": "API",
    "currency": "USD",
    "disabled_code": null,
    "disabled_message": null,
    "enabled": true,
    "fingerprint": "FPRiCenDk2SoRng7WjQTr7RJY",
    "identity": "IDaCkuMuYhNA5TnagminJzrZ",
    "instrument_type": "PAYMENT_CARD",
    "account_updater_enabled": false,
    "address": {
        "line1": "900 Metro Center Blv",
        "line2": null,
        "city": "San Francisco",
        "region": "CA",
        "postal_code": "94404",
        "country": "USA"
    },
    "address_verification": "UNKNOWN",
    "bin": "520082",
    "brand": "MASTERCARD",
    "card_type": "DEBIT",
    "expiration_month": 12,
    "expiration_year": 2029,
    "issuer_country": "NON_USA",
    "last_four": "8210",
    "name": "John Smith",
    "network_token_enabled": false,
    "network_token_state": "NOT_ENABLED",
    "security_code_verification": "UNKNOWN",
    "tags": {},
    "third_party": null,
    "third_party_token": null,
    "type": "PAYMENT_CARD",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImHzckmbE8HAfwZpRQwJDBd"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImHzckmbE8HAfwZpRQwJDBd/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImHzckmbE8HAfwZpRQwJDBd/transfers"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImHzckmbE8HAfwZpRQwJDBd/verifications"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDaCkuMuYhNA5TnagminJzrZ"
        },
        "updates": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImHzckmbE8HAfwZpRQwJDBd/updates"
        }
    }
}

Step 3: Make a Sale

Create a Transfer

  • With your seller and buyer created, you are ready to make a sale
  • To do this, create a Transfer with your Buyer's Payment Instrument as the source and your Seller's Merchant ID as the merchant
  • Alternatively, you can use an authorization-and-capture flow by creating and capturing an Authorization
  • We recommend including the fraud_session_id to detect and block potentially-fraudulent payments
Transfer Amount

Note that the Transfer's amount is represented in cents.

Request
curl "https://finix.sandbox-payments-api.com/transfers" \
    -H "Content-Type: application/json" \
    -H "Finix-Version: 2022-02-01" \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "amount": 662154,
        "currency": "USD",
        "merchant": "MUjkcqc7G5LHTs6MV3EAmwZ7",
        "source": "PImHzckmbE8HAfwZpRQwJDBd"
    }'
Response
{
    "id": "TRdDVZFfJ3NtfrHXYvSd5YiK",
    "created_at": "2024-11-07T22:26:57.86Z",
    "updated_at": "2024-11-07T22:26:57.86Z",
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "additional_purchase_data": null,
    "address_verification": null,
    "amount": 662154,
    "amount_requested": 662154,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "destination": null,
    "externally_funded": "UNKNOWN",
    "failure_code": null,
    "failure_message": null,
    "fee": 0,
    "idempotency_id": null,
    "merchant": "MUjkcqc7G5LHTs6MV3EAmwZ7",
    "merchant_identity": "IDt32S8y5zoAXAxzZDCVYjDH",
    "messages": [],
    "operation_key": "CARD_NOT_PRESENT_SALE",
    "parent_transfer": null,
    "parent_transfer_trace_id": null,
    "raw": null,
    "ready_to_settle_at": null,
    "receipt_last_printed_at": null,
    "security_code_verification": null,
    "source": "PImHzckmbE8HAfwZpRQwJDBd",
    "split_transfers": [],
    "state": "SUCCEEDED",
    "statement_descriptor": "FNX*FINIX FLOWERS",
    "subtype": "API",
    "tags": {},
    "tip_amount": null,
    "trace_id": "910cda84-d5d8-4b5b-8bc3-0c78508671b4",
    "type": "DEBIT",
    "_links": {
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "self": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRdDVZFfJ3NtfrHXYvSd5YiK"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDt32S8y5zoAXAxzZDCVYjDH"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRdDVZFfJ3NtfrHXYvSd5YiK/payment_instruments"
        },
        "reversals": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRdDVZFfJ3NtfrHXYvSd5YiK/reversals"
        },
        "fees": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRdDVZFfJ3NtfrHXYvSd5YiK/fees"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRdDVZFfJ3NtfrHXYvSd5YiK/disputes"
        },
        "source": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImHzckmbE8HAfwZpRQwJDBd"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
        }
    }
}

Next Steps

Your seller has successfully charged their buyer, and is ready to collect their payout. Finix will create a Settlement resource to map transactions and fees to calculate and track your seller's payout.

Continue reading to learn the details of onboarding your sellers, processing their payments, and managing their payouts.