# Inyo Global Developer Documentation

> Inyo Global is a licensed money movement infrastructure provider (50-state MTL holder).
> Payment gateway (card/ACH), cross-border remittances (165+ countries), and compliance APIs.
> Base URLs: Sandbox: https://sandbox-gw.simpleps.com | Production: https://gw.simpleps.com
> Auth: OAuth 2.0 Bearer token via POST /oauth/token with clientId + secretId.


## Welcome to the Inyo API Docs
- [Welcome to the Inyo API Docs](https://dev.inyoglobal.com/index.md): Inyo Global Developer Portal overview — APIs for payments, remittances, compliance, and card tokenization.
- [Our products](https://dev.inyoglobal.com/api-references/readme/our-products.md): Overview of Inyo Global's product suite: Payment Gateway and Remittance APIs.

## Payments Gateway
- [Payments Gateway](https://dev.inyoglobal.com/api-references/payments-gateway.md): Card and ACH payment processing via Inyo's gateway API — pull, push, and combined transactions.
- [Getting started](https://dev.inyoglobal.com/api-references/payments-gateway/getting-started.md): Quickstart for Inyo Payment Gateway — credentials, integration flow, and first card payment.
- [Background](https://dev.inyoglobal.com/api-references/payments-gateway/background.md): Architecture context and background for the Inyo Payment Gateway integration.
- [System architecture](https://dev.inyoglobal.com/api-references/payments-gateway/background/system-architecture.md): High-level architecture of the Inyo Payment Gateway: components, data flow, and infrastructure.
- [Gateway environment settings](https://dev.inyoglobal.com/api-references/payments-gateway/background/gateway-environment-settings.md): Environment-specific configuration values for sandbox and production gateway deployments.
- [Authentication Methods](https://dev.inyoglobal.com/api-references/payments-gateway/authentication-methods.md): OAuth 2.0 Client Credentials flow for gateway API authentication — obtaining and refreshing tokens.
- [Environments](https://dev.inyoglobal.com/api-references/payments-gateway/environments.md): Sandbox and production base URLs, tokenizer endpoints, and environment switching.
- [Technical Resources](https://dev.inyoglobal.com/api-references/payments-gateway/technical-resources.md): API keys, base URLs, rate limits, IP allowlisting, and OpenAPI specification.
- [Mitigating Fraud](https://dev.inyoglobal.com/api-references/payments-gateway/mitigating-fraud.md): Anti-fraud best practices: velocity checks, AVS/CVC monitoring, chargeback prevention.
- [APIs](https://dev.inyoglobal.com/api-references/payments-gateway/apis.md): Reference index for all Inyo Payment Gateway API endpoints.
- [Tokenizing cards](https://dev.inyoglobal.com/api-references/payments-gateway/apis/tokenizing-cards.md): Client-side PCI-compliant card tokenization using inyo.js — required before any card payment.
- [Payment](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment.md): Core payment operations: pull (collect), push (payout), and combined pull+push transactions via POST /v2/payment.
- [Pulling funds](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds.md): Collecting funds from customers via card authorization or ACH bank transfer.
- [Cards](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/cards.md): Card payment operations: authorize, capture, void, and refund using tokenized card data.
- [Authorizing](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/cards/authorizing.md): Creating a card authorization — reserves funds without capturing; returns AUTHORIZED or CHALLENGE status.
- [Handling AVS / CVC](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/cards/authorizing/handling-avs-cvc.md): Interpreting address verification (AVS) and card verification (CVC) results in authorization responses.
- [Handling 3D secure](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/cards/authorizing/handling-3d-secure.md): Handling 3DS CHALLENGE status — redirect and PostMessage integration patterns for SPA and server-rendered apps.
- [Capture](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/cards/capture.md): Capturing a previously authorized card payment to settle funds.
- [Refund](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/cards/refund.md): Issuing a full or partial refund on a captured payment.
- [Void](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/cards/void.md): Voiding an authorized-but-not-captured payment to release the reserved hold.
- [ACH (Bank account)](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/ach-bank-account.md): Collecting funds via ACH bank transfer — provide routing/account numbers directly, no tokenization needed.
- [Listing payments](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/listing-payments.md): Querying and paginating through payment history using date, status, or ID filters.
- [By external id](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/listing-payments/by-external-id.md): Looking up a specific payment by your own external reference ID (externalPaymentId).
- [Get a list of payments](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pulling-funds/listing-payments/get-a-list-of-payments.md): Fetching a paginated list of payments with optional date and status filters.
- [Push Transaction](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/push-transaction.md): Sending payouts domestically (ACH) or internationally to cards, bank accounts, PIX, and wallets in 165+ countries.
- [Pull and push in one step](https://dev.inyoglobal.com/api-references/payments-gateway/apis/payment/pull-and-push-in-one-step.md): Collect from a sender and disburse to a recipient in a single PULLPUSH API call.
- [Webhooks](https://dev.inyoglobal.com/api-references/payments-gateway/apis/webhooks.md): Real-time HTTP POST notifications for payment and remittance status changes — setup, verification, and retry handling.
- [Domain tables](https://dev.inyoglobal.com/api-references/payments-gateway/apis/domain-tables.md): Reference tables for payment statuses and response codes used throughout the gateway API.
- [Response Code](https://dev.inyoglobal.com/api-references/payments-gateway/apis/domain-tables/response-code.md): Complete list of internal response codes with customer-facing message category mappings.
- [Payment Status](https://dev.inyoglobal.com/api-references/payments-gateway/apis/domain-tables/payment-status.md): Payment lifecycle states (AUTHORIZED, CHALLENGE, CAPTURED, VOIDED, DECLINED, REFUNDED) and valid transitions.
- [Test data](https://dev.inyoglobal.com/api-references/payments-gateway/apis/test-data.md): Sandbox test cards and simulation codes for integration testing — simulates success, decline, and 3DS scenarios.
- [Cards](https://dev.inyoglobal.com/api-references/payments-gateway/apis/test-data/cards.md): Card payment operations: authorize, capture, void, and refund using tokenized card data.

## Remittances
- [Remittances](https://dev.inyoglobal.com/api-references/remittances.md): Cross-border money transfer API supporting 165+ countries — sender KYC, FX quotes, and transaction execution.
- [Getting Started](https://dev.inyoglobal.com/api-references/remittances/getting-started.md): Step-by-step quickstart for the Inyo Remittances API — create a sender, get an FX quote, and send your first transaction.
- [Authentication](https://dev.inyoglobal.com/api-references/remittances/authentication.md): OAuth 2.0 Client Credentials authentication for the Remittances API — obtaining and refreshing access tokens.
- [Data Population](https://dev.inyoglobal.com/api-references/remittances/data-population.md): Reference endpoint index for country lists, bank directories, and country-specific recipient/account schemas.
- [Payout countries enabled](https://dev.inyoglobal.com/api-references/remittances/data-population/payout-countries-enabled.md): List of countries enabled for international payouts with supported payout methods per destination.
- [Recipient schema](https://dev.inyoglobal.com/api-references/remittances/data-population/recipient-schema.md): Country-specific required fields for creating a recipient entity before sending a remittance.
- [Recipient account schema](https://dev.inyoglobal.com/api-references/remittances/data-population/recipient-account-schema.md): Country-specific required fields for recipient bank accounts and wallets.
- [Transaction schema](https://dev.inyoglobal.com/api-references/remittances/data-population/transaction-schema.md): Field requirements for creating a remittance transaction by payout corridor and payment method.
- [Banks in a country](https://dev.inyoglobal.com/api-references/remittances/data-population/banks-in-a-country.md): Directory of supported banks in a given country for bank-transfer remittance payouts.
- [Quotes (fx)](https://dev.inyoglobal.com/api-references/remittances/quotes-fx.md): Requesting FX rate quotes and locking exchange rates before creating a remittance transaction.
- [Sender](https://dev.inyoglobal.com/api-references/remittances/sender.md): Sender identity management — KYC registration, trust level tiers, velocity limits, and compliance document uploads.
- [Trust level limits](https://dev.inyoglobal.com/api-references/remittances/sender/trust-level-limits.md): Transaction and velocity limits per sender trust level — Tier 1, Tier 2, and Tier 3 thresholds.
- [Uploading documents](https://dev.inyoglobal.com/api-references/remittances/sender/uploading-documents.md): Submitting KYC documents (government ID, proof of address) to elevate a sender's trust level.
- [Test data](https://dev.inyoglobal.com/api-references/remittances/sender/test-data.md): Sandbox test cards and simulation codes for integration testing — simulates success, decline, and 3DS scenarios.
- [Sender funding account](https://dev.inyoglobal.com/api-references/remittances/sender-funding-account.md): Linking a funding source to a sender entity to cover remittance disbursements.
- [Recipient](https://dev.inyoglobal.com/api-references/remittances/recipient.md): Creating and managing recipient profiles for cross-border payout destinations.
- [Recipient account](https://dev.inyoglobal.com/api-references/remittances/recipient-account.md): Adding and managing bank accounts or wallet identifiers for a recipient.
- [Transaction](https://dev.inyoglobal.com/api-references/remittances/transaction.md): Creating, tracking, and managing remittance transactions from creation through completion.
- [Webhooks](https://dev.inyoglobal.com/api-references/remittances/webhooks.md): Real-time HTTP POST notifications for payment and remittance status changes — setup, verification, and retry handling.
- [Assets](https://dev.inyoglobal.com/assets.md): Downloadable assets, logos, and brand resources for Inyo Global partners and integrators.

## Skills
- [Inyo Best Practices](https://dev.inyoglobal.com/skills/inyo-best-practices): Best practices for AI coding assistants integrating with Inyo APIs.