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title: Payroc API for online payments
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For clean Markdown of any page, append .md to the page URL. For a complete documentation index, see https://docs.payroc.com/solutions/full-stack/take-payments/online-payments/llms.txt. For full documentation content, see https://docs.payroc.com/solutions/full-stack/take-payments/online-payments/llms-full.txt.

Use our powerful API to manage the complete online payment experience for your merchants. Pick and choose from our comprehensive suite of features and methods to create a bespoke solution for online payments.

Our Payroc API is ideal if you want to have full control over the payment flow that you want to offer.

![API solution image](https://files.buildwithfern.com/https://payroc.docs.buildwithfern.com/29d0a00e224ce3d6e55d9a41c7194ffb1b28aa8fd03f7630b163c3b7f48ebcbb/docs/sections/solutions/images/online-payments.png)

## Key capabilities

**Maximum flexibility**

* Process all types of transactions, including sales, pre-authorizations, captures, refunds, and reversals.
* Design a fully custom checkout page for maximum control or use payment links to reduce development effort.
* Accept multiple payment methods, including card, bank transfers, and digital wallets.

**Advanced fraud prevention**

* Use 3-D Secure, AVS, and CVV checks to rigorously verify customer identity and reduce fraud.
* Validate payment details without running a transaction to reduce unnecessary processing fees and errors.
* Rely on our built-in encryption tools for every transaction to meet security standards with zero effort.

**Powerful features**

* Offer surcharging options to offset the merchant's processing fees.
* Run reports to gain immediate, actionable insights for your merchants.
* Accept specialized cards like EBT SNAP and various healthcare cards.
* Create payment schedules that tell us when to take money from customers.
* Save payment details using tokenization to improve the checkout flow and reduce your merchants' PCI burden when running regular payments.

**Speed to market**

* Lean on our experts for ongoing support and advice to get the most out of your solution.
* Download our SDKs or follow our comprehensive guides to streamline your development process.

## How to use the Payroc API

Follow our [comprehensive guides](/guides/take-payments/payments) to quickly launch your integration. Our guides cover the basic functions of the API, including:

* Run sales and refunds.
* Save a customer's payment details.
* Verify a customer's payment details.
* Schedule repeat payments.

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