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

# Payments Overview

> Charge, verify, refund, and reuse saved payment methods

Zentra's current public payment surface is built around charge creation, verification, refunds, and stored payment tokens.

## Overview

* `POST /api/v1/payments/charges`
* `GET /api/v1/payments/charges`
* `GET /api/v1/payments/charges/:reference`
* `POST /api/v1/payments/charges/:reference/verify`
* `POST /api/v1/payments/refunds`
* `GET /api/v1/payments/refunds/:reference`
* `POST /api/v1/payments/tokens/card`
* `POST /api/v1/payments/tokens/bank-account`
* `GET /api/v1/payments/customers/:customer_id/tokens`

Amounts must be sent in minor units, requests should be idempotent, and recurring flows should reuse saved payment tokens instead of storing raw card data in your own app.

## Payment Modes

* `customer_action_required`: create a customer-present charge that the user completes
* `merchant_initiated`: create a recurring or follow-on charge using a primed saved payment token

## Recurring Flow

1. tokenize the payment method
2. create a setup charge with `capture_mode: customer_action_required`
3. verify the successful charge so the reusable provider authorization can be bound to the token
4. create later renewals with the same `payment_token_id` and `capture_mode: merchant_initiated`

<Warning>
  Older hosted-checkout wording in some draft pages is being replaced by this charge and token contract. Treat this page plus the changelog as the reviewed payment source of truth for now.
</Warning>

## Quick Links

<CardGroup cols={2}>
  <Card title="Create Charge" icon="book" href="/api-reference/payments/charge">
    Create a customer-present or recurring charge
  </Card>

  <Card title="Verify Charge" icon="check" href="/api-reference/payments/verify">
    Confirm charge outcome and bind recurring reuse
  </Card>

  <Card title="Refunds" icon="rotate-left" href="/api-reference/payments/refund">
    Return funds for a previous successful charge
  </Card>

  <Card title="Guide" icon="map" href="/guides/accepting-payments">
    End-to-end payment and recurring integration flow
  </Card>
</CardGroup>