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

# Payments

<AccordionGroup>
  <Accordion title={<>Should we use the <a href="https://postman.ebury.io/#4a4282dc-8295-400a-a325-7b4a907365ac">payments endpoint</a> or the <a href="https://postman.ebury.io/#5d210f69-f7c8-4a8b-a886-7224c8d14737">multipayments endpoint</a> or the <a href="https://postman.ebury.io/#d09c0564-1b61-4bd9-b960-528e6b96a2ab">mass-payments endpoint</a>?</>}>
    This will depend on your needs. Please see the table below:

    | | `POST/payments` | `POST/multipayments` | `POST/mass-payments` |
    | - | - | - | - |
    | **Payments per initiation** | up to 50 | up to 200 | up to 5000 |
    | **API response time** | Synchronous and hence API response takes time | Synchronous and hence API response takes time | Asynchronous and hence quicker API response |
    | **Allow Beneficiary creation during payment initiation** | No | Yes | Yes |
    | **Allow managing payments** | Yes | No | Yes |
    | **Allow review of payments (n-eyes)** | Yes | Yes | Yes |
  </Accordion>

  <Accordion title="What does “payment has been verified but not authorized”. mean. How do we approve the payments?">
    Ebury offers up to 10-eyes review and approval. So, a client can configure up to 4 additional levels of review and approval on each of their payment initiations. If the client has set up at least 1 additional level of authorization after the initiation, then the payment will need to be authorized.
  </Accordion>

  <Accordion title="What is the difference between cancelled and rejected payments?">
    When the user(contact) who created the payment, for some reason wants to withdraw the initiation, then the user can trigger the endpoint, **[Delete the payment](https://postman.ebury.io/#498de4f2-dec3-4bd2-b786-73ce64195f71)** to cancel the payment.

    When a client has set up n-eyes on their payment workflow, once the payment has been initiated, the other contacts in the team who need to review the payment (as the 4, 6, 8 or 10th eye) can authorise or reject a payment using the **[endpoint](/api/payments/authorise-or-reject-a-payment)**.
  </Accordion>

  <Accordion title="What happens when the balance in the wallet is insufficient to fund a payment?">
    Nothing. The payment does not get rejected or cancelled. The payment will await funds from the client to continue processing.
  </Accordion>
</AccordionGroup>

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