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

# Onboarding

> The full Payzor console walkthrough for a new user: create an agent wallet, fund it, pay, sell to agents, and withdraw your money.

# Onboarding

This is the whole console, end to end, for a **new user**. It assumes nothing: you arrive, create your first agent wallet, put money in it, and start using Payzor. By the end you'll know both sides of the product — **spending** (your agent pays) and **selling** (your business gets paid) — and how to take your money out.

## The whole flow

```mermaid theme={null}
flowchart TD
    A[Arrive & sign up] --> B[Create an agent wallet]
    B --> B1[Get API key pz_sk_…]
    B --> C[Fund the wallet]
    C --> D{What's your goal?}

    D -->|My agent pays| E[Pay with the agent]
    E --> E1[Via MCP / API<br/>policy applies]
    E1 --> E2[HITL if over threshold]

    D -->|I sell to agents| F[Create a merchant]
    F --> G[Make a Payment link / Charge]
    G --> H[Agents pay: wallet or x402]
    H --> I[Money lands in merchant balance]

    C --> K[Watch the dashboard]
    E2 --> K
    I --> K

    K --> L[Withdraw to a wallet you control]
    L --> L1[Merchant: Withdrawals tab<br/>Agent: Withdraw button]
```

## 1. Sign up

Open the console and register. Authentication is handled by Clerk — sign in with Google or email/password. You land on the **Dashboard** (`/`), which is the overview of everything your workspace does.

The sidebar is the whole product map:

```
Workspace   → Dashboard · Wallets · Transactions · Business · Settings
Resources   → Connect MCP · Documentation · Audit log
```

## 2. Create an agent wallet

Go to **Wallets** → **+ New wallet**. The dialog asks for a name and the spending policy your agent starts with (per-transaction cap, daily cap, allowed categories, human-approval threshold).

On create you get:

* An **agent** (`agent_...`).
* An **API key** (`pz_sk_...`) — shown **once**. This key IS the identity: whoever holds it spends from that wallet, under its policy.

## 3. Fund the wallet

An agent needs balance. Open the wallet and either:

* **Deposit** — an on-chain address to send USDC to, or
* **Top up** — credit internal balance directly.

The balance is the headline figure at the top of the wallet.

## 4a. Pay (the agent spends)

Connect your agent to your stack via **Connect MCP**: pick your tool (Claude, Cursor, Codex, **Hermes**…), paste `https://api.payzor.com/mcp` and your `pz_sk_`.

Now your agent can pay on its own:

* Under its policy (cap, category) → it pays automatically, with a receipt.
* Over its approval threshold → it pauses as `pendingApproval` until you approve it in the console.

## 4b. Sell (your business gets paid)

If you have something to sell, go to **Business** → create a **merchant** (you get an `sk_mch_` key, shown once) → make a **Payment link** or **Charge** with an amount and description → embed it in your site.

Then agents pay your link. They can pay:

* **With a Payzor wallet** — `POST .../pay` with their `pz_sk_`, subject to their policy.
* **On-chain (x402), no Payzor account** — any agent from any startup signs USDC in the request. No account needed.

Every payment lands in your merchant balance.

## 5. Keep an eye on it

* **Dashboard** — activity, volume, live transactions, price ticker.
* **Transactions** — every payment with category and reason.
* **Audit log** — every action and who did it.
* **Settings → Global rules** — workspace-wide caps, human approvals, notifications.

## 6. Withdraw your money

Your money leaves Payzor to a wallet you control:

* **Merchant** → the **Withdrawals** tab: amount + destination address (screened with KYT), then USDC is sent on-chain.
* **Agent wallet** → the **Withdraw** button (from the list row or the wallet detail).

## Related

* [Pay as an agent](/guides/pay-as-an-agent) — the buyer's side.
* [Accept a payment](/guides/accept-a-payment) — the seller's side.
* [Connect Hermes](/guides/connect-hermes) — one-click MCP install.