01Request
Accept payment intent
The API records amount, customer, merchant, currency, and idempotency context.
Platform Capability
Payments Capability From Charge To Settlement
Run payment flows on an API-first surface designed for clear states, route-aware execution, and finance-grade traceability.
- 01Charge-to-settlement coverage
- 02Failover controls
- 03Audit-ready traces
A payment request moves from acceptance to routing, ledger state, settlement, and reviewable evidence.
Entrypoint
POST /payments
02Route
Select provider path
Rules choose the rail while preserving a traceable decision for operators.
03State
Post payment state
Authorization, capture, refund, and dispute states remain explicit.
04Event
Emit payment events
Signed events tell product and finance systems what changed.
05Close
Settle and reconcile
Settlement batches are matched back to payment and ledger evidence.
Events emitted
payment.createdpayment.authorizedpayment.settledrefund.posted
Evidence retained
payment_idmerchantprovider_routeledger_entrysettlement_batch
Payment failures stay readable.
Authorization, capture, refund, dispute, route, and settlement behavior stay attached to the same payment story.
01
Provider timeout
Incident
The acquirer accepts a charge but the client times out before receiving the result.
Zentra path
The idempotency key resolves the repeated request against the original payment state.
Evidence
Payment ID, route, attempt count, provider reference, and ledger state remain connected.
02
Settlement drift
Incident
A settlement batch arrives with a value that does not match captured activity.
Zentra path
The mismatch opens a review lane tied to the payment and settlement batch.
Evidence
Batch ID, captured amount, ledger entry, operator owner, and closeout status are retained.
The integration creates visible state.
One call to POST /payments produces status, emitted events, and retained evidence a team can inspect without leaving the product surface.
create paymentrequest
await zentra.payments.create({
amount_minor: 125000,
currency: "ledger_currency",
customer: "customer_ref",
idempotency_key: "pay_live_042"
})product consequence
- status
- authorized
- event
- payment.created
- evidence
- payment_id
- entrypoint
- POST /payments
Lifecycle coverage
Handle charges, refunds, disputes, and settlements within one coherent model.
Routing and failover
Apply provider routing without sacrificing deterministic outcomes.
Idempotent execution
Protect payment mutations against duplicate effects under retries.
Audit-ready events
Trace every payment transition for compliance and finance review.
Visual center
Contract runtime
Stable contracts, typed responses, and low-drift rollout paths.
Evidence that holds when production gets noisy.
State, actor, tenant, signature, and policy context remain reviewable after the happy path breaks — written to be checked by operators and compliance teams, not admired in a deck.
01
Provider route, authorization, capture, refund, dispute, and settlement state stay visible in one payment trace.
02
Duplicate capture attempts and late provider settlement records resolve against idempotency and ledger evidence.
03
Finance can match settlement batches back to payment IDs without separate reconciliation spreadsheets.