Commerce API

Onboard businesses, take payments, move money and keep the ledger

Start with onboarding, then enable the services each business needs. Build with APIs or embed ready-made widgets.

Start with onboarding Browse the API reference

Need an API key? Reach out to Priority.

The platform at a glance

What you can do

Treasury accountsOpen accounts and manage balances. Pay inAccept payments by card, ACH, wire or check, online or in person. Pay outPay vendors, customers and other accounts by ACH, wire, check or book transfer. After the paymentCancel, refund, settle and reconcile. Issue cardsIssue, fund and control spend on cards.

Integration channels

APIsCall the APIs directly. Every section has its own reference. Embedded widgetsPrebuilt screens you embed in your product.

Two ways to build

Call the APIs, or embed a widget

Every feature is available through the APIs. When you would rather not build the screens yourself, embed a prebuilt widget.

APIs

Call the API directly and build the screens yourself. You control the whole experience.

API reference

Embedded widgets

Prebuilt screens that load in your page, so you skip building them. Every widget shares one setup and one way to match your brand.

Getting started with widgets Theming and branding

Build in the order a business grows

From onboarding to the ledger

Open a card to start a task, or browse what else each section covers. Every section links to its guides and API reference.

Onboard a business

Create the business once, with its owners, bank account and locations. Onboarding comes first for everything below.

Guides →API reference →

Onboard a businessCreate it with its owners, bank account and locations.Guide → Enable services and featuresChoose what a business can use, then configure it.Guide → Track approval and statusFollow a business through its status and underwriting.Guide →

Also covers

Owners and signatoriesBank accountsLocationsIndividualsDocumentsData handling and compliance

Treasury accounts

Open accounts for your customers and manage their balances.

Guides →API reference →

Open an accountOpen an account for a business and follow its lifecycle.Guide → Cash Builder accountsOpen Cash Builder and Cash Builder+ accounts and earn yield.Guide → Auto sweepsAutomatically move funds between accounts.Guide →

Also covers

Target Balance Account (TBA)Aggregated balanceActivity and statementsLimits and preferencesTax formsFunding rules

Pay in

Take money in from customers by card, ACH, wire or check, in your product or in person.

Guides →API reference →

Save a payment method to reuse it. You can save a customer's bank account or card and use it again. See counterparties and bank accounts and card vaulting.

Cards and merchant tools

Take a card paymentTake a sale, or authorize now and capture later.Guide → Invoice and bill on a scheduleSend invoices, set up recurring billing, add sales tax.Guide → Take payments in personUse the Terminal API with supported devices.Guide → Create a payment linkCreate a link a customer can use to pay.Guide → Address verification (AVS)Check a cardholder's billing address when you take a payment.Guide →

Bank and check

Receive moneyGet funds into an account by ACH, wire or PPI.Guide → Collect from a bank accountPull funds by ACH or wire.Guide → Deposit checksDeposit by mobile capture or lockbox.Guide →

Also covers

Card on file and account updaterSurcharging and cost recoveryInterchange optimizationMX Retail and MX OrdersDecline handling

Embed a widgetPriority Checkout Priority Vault

For voids, refunds, settlement and reports, see After the payment.

Pay out

Pay vendors, customers and other accounts by ACH, wire, check or book transfer.

Guides →API reference →

Start with the counterparty. Save the person or business you are paying, with their bank account, then pay them. See counterparties and bank accounts.

Pay outPay by ACH, wire, international wire, check or book transfer.Guide → Transfer fundsMove money between accounts.Guide → Schedule recurring transactionsCreate, manage and track repeating transactions.Guide →

Also covers

Counterparties and bank accountsInternational wires and supported currenciesNACHA file managementCut-off times and status changesExceptions

After the payment

Cancel or refund a payment, follow how it settles, and match it to your reports.

Guides →API reference →

Void a paymentCancel a payment that has not settled.Guide → Refund a paymentReturn money to a customer.Guide → Settlement and fundingFollow how payments settle and fund an account.Guide → Reports and reconciliationBatch, ACH and dispute reports, exceptions and statements.Guide → Find and track transactionsFind, list and follow payments and payouts.Guide →

Also covers

AdjustmentsBatch managementFunding rulesCancel, stop and refund a transactionCut-off times and status changes

Issue cards

Issue cards to your customers, fund them from an account, and control how they are used.

Guides →API reference →

Issue a cardIssue virtual and physical cards.Guide → Card programsCompare debit, prepaid and secured credit programs.Guide →

Also covers

Set up card issuanceFund issued cardsFreeze and replaceSpend controlsDigital walletsDeclinesEmbossing

Explore the docs

API referenceEvery endpoint, field, and response code, with live request samples.Open the API reference

Postman collectionA pre-built workspace with sandbox credentials and example calls.Open in Postman

Test data and sandboxValues that trigger each approval, decline, and return scenario.Card test data Sandbox simulation