Make a Payment

A payment charges a stored payment account through your gateway and applies the money to the customer's balance. You need four values: customerId, paymentMethodId, paymentAccountId, and amount.

There is no one-time-charge endpoint. To charge a new card, store it first (Paya or TRX), then pay with its paymentAccountId.

1. Pick the payment method

curl "https://api.psarev.io/billing/api/v1/payment-methods?CustomerId=123" \
  -H "Authorization: Bearer $TOKEN"

[
  { "paymentMethodId": 2, "description": "Credit Card", "isCc": true,  "isAch": false, "feeAmount": 3.0, "feeType": "Percentage", "feeDesc": "Convenience fee" },
  { "paymentMethodId": 3, "description": "ACH",         "isCc": false, "isAch": true,  "feeAmount": 0.0, "feeType": "Flat_Rate",  "feeDesc": "" }
]

Pass CustomerId so the list only includes methods the customer's processors support. Use feeAmount and feeType to show any convenience fee. Rev.io adds the fee as a separate charge when the payment posts. The Rev.io web app hides the fee when the stored card is a debit card (card.isDebit).

Methods with neither flag set, such as Check or Cash, record an offline payment and need no payment account.

Reference: Get Payment Methods

2. Pick the payment account

curl "https://api.psarev.io/billing/api/v1/payment-accounts/123" \
  -H "Authorization: Bearer $TOKEN"

Choose an id whose method matches the payment method: CreditCard for an isCc method, ACH for an isAch method.

Reference: Get Payment Accounts

3. Optional: find what to pay

• Open invoices: Get Customer Invoices With Balance returns each invoiceId and remaining balance.
• Open charges: Get Customer Transactions With Balance returns each transactionId and remaining balance.

4. Create the payment

curl -X POST https://api.psarev.io/billing/api/v1/payments \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": 123,
    "paymentMethodId": 2,
    "paymentAccountId": 4570,
    "amount": 150.00,
    "referenceNumber": "ORDER-10042",
    "receivedDate": "2026-10-05T14:30:00Z",
    "invoiceId": 98765
  }'

{ "paymentId": 55123 }

The card is charged during this call. If the gateway declines, the response is 500 with the gateway's message in detail and nothing is recorded. Validation problems come back as 400 with field-keyed errors.

Choosing how the payment is applied

Send	Result
invoiceId	Applied to that one invoice.
invoiceApplications: [{ "invoiceId", "amount" }]	Split across several invoices.
transactionApplications: [{ "transactionId", "amount" }]	Split across specific charges.
None of the above	Rev.io applies it to the customer's open balance.

Send only one of invoiceId, invoiceApplications, or transactionApplications. Each amount must be greater than zero.

Rules

• paymentAccountId is required for card and ACH methods, must belong to the customer, and must match the method type.
• invoiceId must belong to the customer.
• referenceNumber should be unique per attempt (your order or receipt number). Rev.io rejects a second payment with the same customer, date, amount, and reference. After a successful gateway charge, Rev.io stores the gateway transaction ID as the payment's reference number.
• receivedDate is ISO 8601. The Rev.io web app always sends it.

Reference: Create Payment

5. Check the result

curl "https://api.psarev.io/billing/api/v1/payments/55123" \
  -H "Authorization: Bearer $TOKEN"

The response includes authCode, amount, referenceNumber, and the canRefund and canVoid flags you can use to enable those actions in your UI.

Reference: Get Payment

Refund or void

• Void a card payment that has not settled yet: POST /billing/api/v1/payments/{id}/void. Void Payment
• Refund a settled payment: POST /billing/api/v1/payments/{id}/refund with { "amount": 0 } for a full refund or a smaller amount for a partial one. Refund Payment

Next step

Set the card or bank account to pay automatically with Autopay.