Checkout

The merchant side of Payzor is one piece: reusable payment links. Create a link with an amount and description, embed it in your site (iframe or redirect), and every agent that lands on it pays its own charge. The link accumulates metrics — visits, payments, amount collected — so you can see each link’s performance at a glance.

Create a payment link

POST /merchant/checkout
Authorization: Bearer sk_mch_...
Content-Type: application/json

{ "amountUsdCents": 2500, "description": "Pro plan (monthly)", "externalId": "INV-2026-001" }

integer

required

Amount due in USD cents, > 0.

string

required

What the agent is paying for. Shown on the checkout page.

string

Your own reference (invoice id, order id).

// 201 Created
{
  "checkoutLinkId": "cl_ef7a0f919147edda",
  "checkoutToken": "9NtWVVCYM8vQtKcJ",
  "checkoutUrl": "/checkout/9NtWVVCYM8vQtKcJ",
  "amountMinor": 2500,
  "currency": "USD",
  "description": "Pro plan (monthly)",
  "visits": 0,
  "paymentsCount": 0,
  "totalPaidMinor": 0
}

Embed checkoutUrl (or the full URL against your origin) in your site:

<iframe src="https://payzor.example/checkout/9NtWVVCYM8vQtKcJ" width="400" height="560" frameBorder="0"></iframe>

List your links (with stats)

Every link with its state and metrics: visits, payments, and amount collected.

GET /merchant/checkout-links?limit=50
Authorization: Bearer sk_mch_...

{
  "links": [
    {
      "checkoutLinkId": "cl_ef7a0f919147edda",
      "checkoutToken": "9NtWVVCYM8vQtKcJ",
      "checkoutUrl": "/checkout/9NtWVVCYM8vQtKcJ",
      "amountMinor": 2500,
      "currency": "USD",
      "description": "Pro plan (monthly)",
      "visits": 3,
      "paymentsCount": 2,
      "totalPaidMinor": 5000,
      "active": true,
      "createdAt": "2026-08-23T10:00:00.000Z"
    }
  ],
  "total": 1
}

Enable / disable a link

PATCH /merchant/checkout-links/:token
Authorization: Bearer sk_mch_...
Content-Type: application/json

{ "active": false }

Disabling hides the link from collection without deleting its history.

Public checkout (no auth)

What the agent sees before paying. Each visit increments the counter.

GET /checkout/:token

{
  "checkoutLinkId": "cl_ef7a0f919147edda",
  "amountMinor": 2500,
  "currency": "USD",
  "description": "Pro plan (monthly)",
  "merchantName": "Acme Digital Goods",
  "active": true,
  "status": "active",
  "visits": 4,
  "paymentsCount": 2,
  "totalPaidMinor": 5000
}

Pay with a wallet

An agent that carries a pz_sk_ key settles the charge from its wallet, subject to its policy. Each call materializes a new charge against the link, so the same link can be paid by many agents.

POST /checkout/:token/pay
Authorization: Bearer pz_sk_...

// 200 OK
{ "paid": true, "charge": { "chargeId": "chg_...", "status": "paid", "method": "ledger", "reference": "PAY_..." } }

// 402 — over the agent's human-approval threshold
{ "pendingApproval": true, "reason": "Monto $1.50 supera umbral de aprobación humana", "approvalId": "apr_..." }

Pay on-chain (x402)

Any agent — no wallet, no Payzor citizenship. GET returns 402 with the requirements; a signed retry with X-PAYMENT settles.

curl -X GET  http://localhost:3040/checkout/:token/x402
# 402 + requirements; then:
curl -X POST http://localhost:3040/checkout/:token/x402 \
  -H "X-PAYMENT: $(build your signed + payment header)"

Amounts are USD cents throughout the merchant API. The payment machinery converts to dollars before the policy engine, so a

25.00 link is checked against the agent's policy as

25.00 — not as 2500.

Errors

Status	Meaning
`404`	Unknown checkout token.
`409`	Link is disabled.

​Checkout

​Create a payment link

​List your links (with stats)

​Enable / disable a link

​Public checkout (no auth)

​Pay with a wallet

​Pay on-chain (x402)

​Errors

Checkout

Create a payment link

List your links (with stats)

Enable / disable a link

Public checkout (no auth)

Pay with a wallet

Pay on-chain (x402)

Errors