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Create Payment

POST 
/payments/secure

Creates a payment charged directly to a payer's saved, verified bank account or card. Use this to accept a payment that is not tied to a specific invoice — for example, when a merchant uses Paystand purely as a payment processor rather than for full receivables/AR tracking.

Requires bankId (see Add Bank Account and Verify Bank Drops) or cardId, plus payerId, amount, and currency.

Optional receivableId: pass an existing Receivable id to apply the payment to that invoice instead of creating an unapplied payment.

⚠️ Not equivalent to an AR Advance. Payments created here without a receivableId are recorded as generic, unapplied payments. They are not linked to any receivable ledger entry, ERP sync event, or AR-Advance plan entitlement. If your Paystand plan tracks receivables (AR) and you need advance/prepayment functionality tied to that ledger, talk to your Paystand contact about AR Advance rather than relying on this endpoint unapplied.

⚠️ Not supported for Sage Intacct-connected merchants without a receivableId — the request returns a validation error. Sage merchants must route payments through a receivable (Create Receivable plus a linked payment) so cash applies correctly in Sage.

Request​

Responses​

Payment created