---
title: "Merchant API Reference"
source_url: https://docs.rapyd.net/en/merchant-api-reference.html
lang: en
---

# Merchant API Reference

Technical information for developers. Methods, parameters, webhooks, and error codes for Rapyd products. Also see [Product Guide](https://docs.rapyd.net/en/product-guide.md "Product Guide").

For recent updates, see [API Changelog](https://docs.rapyd.net/en/api-changelog.md "API Changelog").

API Methods

[Collect](https://docs.rapyd.net/en/rapyd-collect-363484.md)

Collect funds from many different payment sources and transfer it to Rapyd Wallets - Payments, payment methods, subscriptions, checkout pages, escrows, and refunds.

[Disburse](https://docs.rapyd.net/en/rapyd-disburse-368669.md)

Transfer money from a Rapyd Wallet to a beneficiary outside the Rapyd system.

[Wallet](https://docs.rapyd.net/en/rapyd-wallet-368670.md)

The focal point for receiving, storing, and sending money. Each wallet holds one or more currency accounts.

[Card Issuing](https://docs.rapyd.net/en/rapyd-issuing-365115.md)

Provides bank cards funded by the Rapyd Wallet. Transactions are authorized by Rapyd or the client, and are subject to Rapyd Protect and compliance rules.

[Rapyd Verify](https://docs.rapyd.net/en/rapyd-verify-386565.md)

Verification services for onboarding and card issuing.

[Rapyd Protect](https://docs.rapyd.net/en/rapyd-protect.md)

Internal detection and prevention tools for all transactions.

Developer Resources

[Information Security](https://docs.rapyd.net/en/information-security.md)

PCI standards, message security and idempotency.

[Authentication](https://docs.rapyd.net/en/authentication.md)

Signatures and header parameters.

[Code Samples](https://docs.rapyd.net/en/code-samples.md)

Understanding code samples in Rapyd documentation.

[Webhooks](https://docs.rapyd.net/en/webhooks.md)

Callback messages from Rapyd to the client, triggered by internal or external events.

[Error Messages](https://docs.rapyd.net/en/error-messages.md)

Error codes and messages relevant to multiple products. List of links to errors for individual products.

[Resource Methods](https://docs.rapyd.net/en/resource-methods.md)

FX rates, countries, currencies, and POS locations.

### Resources for Testing in Sandbox

|  |  |
| --- | --- |
| [Testing for Payment API](https://docs.rapyd.net/en/testing-for-payment-api.md "Testing for Payment API") | Simulating payments with 3DS. Simulating errors. Simulating Rapyd Verify application responses |
| [Testing for Payout API](https://docs.rapyd.net/en/testing-for-payout-api.md "Testing for Payout API") | Simulating Quarantine Under Review webhook. Bank account numbers for testing. |
| [Sandbox Funds](https://docs.rapyd.net/en/sandbox-funds.md "Sandbox Funds") | Changing the amount of funds in a Rapyd Wallet. |
| [Sample Image](https://docs.rapyd.net/en/sample-image.md "Sample Image") | A sample image for use in methods that require an image. |