Five steps, written plainly.

01 — Collect

Load the card field in your checkout. The browser exchanges the card for a token; your server never sees the number.

02 — Charge

POST the token, amount and an idempotency key to /api/charge. Same key, same result — always.

03 — Listen

We send a signed webhook for charge.succeeded, charge.failed and refund.created. Verify the signature, then fulfil.

04 — Refund

POST /api/refund with the charge id. Partial refunds are fine; we track the remainder.

05 — Reconcile

Download the daily settlement CSV. Every line maps to a charge id you already have.