# MigraPay API

> MigraPay lets businesses hold multi-currency wallets, pay recipients across borders and collect payments (card, bank transfer, USSD, Interac). Base URL: https://business-api.migrapay.com/v1/api. Authenticate with a secret key as `Authorization: Bearer mpb_live_…` (or `mpb_test_…` for Sandbox).

The full documentation in one file: https://www.migrapay.com/llms-full.txt

## Guides

- [Getting started](https://www.migrapay.com/docs.md): Hold balances in multiple currencies, pay recipients across borders and collect payments from your customers.
- [Authentication](https://www.migrapay.com/docs/authentication.md): Authenticate server-side requests with a secret API key.
- [Checkout](https://www.migrapay.com/docs/checkout.md): Take card, bank transfer, USSD and Interac payments on a hosted page or inside your own site.
- [Accept payments](https://www.migrapay.com/docs/collections.md): Choose how your customers pay you, and how the money reaches your wallet.
- [Currency conversion](https://www.migrapay.com/docs/currency-conversion.md): Convert balances between your wallets.
- [Environments](https://www.migrapay.com/docs/environments.md): Build and test safely in Sandbox, then switch to Live when your integration and business account are approved.
- [Interac e-Transfer](https://www.migrapay.com/docs/interac.md): How Canadian payers pay you by Interac e-Transfer, and how each payment is matched to you.
- [Introduction](https://www.migrapay.com/docs/introduction.md): The MigraPay API lets your business hold multi-currency balances, pay recipients across borders and collect payments from customers.
- [Payment links](https://www.migrapay.com/docs/payment-links.md): Shareable payment pages that open the MigraPay checkout.
- [Send money](https://www.migrapay.com/docs/payouts.md): Pay a recipient from your wallet, with conversion built in, and track it to delivery.
- [Rates](https://www.migrapay.com/docs/rates.md): Show live exchange rates and quote cross-currency payouts.
- [Recipients](https://www.migrapay.com/docs/recipients.md): Save who you pay and how, once, then pay them as often as you like.
- [Sandbox & test values](https://www.migrapay.com/docs/sandbox.md): Trigger specific payout outcomes and settle collections on demand while you test.
- [Transactions](https://www.migrapay.com/docs/transactions.md): Reconcile every movement of money in and out of your wallets.
- [Virtual accounts](https://www.migrapay.com/docs/virtual-accounts.md): Dedicated receiving account details for your customers.
- [Wallets](https://www.migrapay.com/docs/wallets.md): Your balances, one wallet per currency.
- [Webhooks](https://www.migrapay.com/docs/webhooks.md): Get notified when payouts and collections change, and verify every delivery.

## API reference

- [Overview](https://www.migrapay.com/docs/api-reference.md): Every MigraPay API endpoint, parameter, response field, error and event.
- [Checkout](https://www.migrapay.com/docs/api-reference/checkout.md): Create and retrieve checkouts with your secret key, or start them with your public key.
- [checkout.js](https://www.migrapay.com/docs/api-reference/checkout-js.md): Every option, callback, attribute and event of the MigraPay checkout script.
- [Collections](https://www.migrapay.com/docs/api-reference/collections.md): Request payments from your customers and get paid into your wallet.
- [Errors](https://www.migrapay.com/docs/api-reference/errors.md): MigraPay uses standard HTTP status codes and a consistent JSON envelope to help you diagnose failed requests.
- [Idempotency](https://www.migrapay.com/docs/api-reference/idempotency.md): Retry requests safely without creating duplicates.
- [Pagination](https://www.migrapay.com/docs/api-reference/pagination.md): Page through long lists with page and pageSize.
- [Payouts](https://www.migrapay.com/docs/api-reference/payouts.md): Send funds from a wallet to a saved recipient, with currency conversion built in.
- [Rate limits](https://www.migrapay.com/docs/api-reference/rate-limits.md): How many requests you can make and how to tell when you are close to the limit.
- [Rates & estimates](https://www.migrapay.com/docs/api-reference/rates.md): Show live exchange rates and the exact amount a recipient will get before you send.
- [Recipients](https://www.migrapay.com/docs/api-reference/recipients.md): Save the people and businesses you pay, with the account details for one payout method.
- [Transactions](https://www.migrapay.com/docs/api-reference/transactions.md): Every movement of money in and out of your wallets, filterable and paginated.
- [Wallets](https://www.migrapay.com/docs/api-reference/wallets.md): Read your balance in every currency your business holds.
- [Webhook events](https://www.migrapay.com/docs/api-reference/webhooks.md): Every event MigraPay sends, the request it arrives in, and every field.