Commerce API

Build payments and treasury into one connected platform

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 accounts Open accounts and manage balances. Pay in Accept payments by card, ACH, wire or check, online or in person. Pay out Pay vendors, customers and other accounts by ACH, wire, check or book transfer. After the payment Cancel, refund, settle and reconcile. Issue cards Issue, fund and control spend on cards.

Integration channels

APIs Call the APIs directly. Every section has its own reference. Embedded widgets Prebuilt 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 your first payment

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 business Create it with its owners, bank account and locations. Guide → Enable services and features Choose what a business can use, then configure it. Guide → Track approval and status Follow a business through its status and underwriting. Guide →

Also covers

Owners and signatories Bank accounts Locations Individuals Documents Data handling and compliance

Treasury accounts

Open accounts for your customers and manage their balances.

Guides → API reference →

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

Also covers

Aggregated balance Ledger and statements Limits and preferences Tax forms Funding 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 payment Take a sale, or authorize now and capture later. Guide → Invoice and bill on a schedule Send invoices, set up recurring billing, add sales tax. Guide → Take payments in person Use the Terminal API with supported devices. Guide → Create a payment link Create 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 money Get funds into an account by ACH, wire or PPI. Guide → Collect from a bank account Collect funds via ACH or wire. Guide → Deposit checks Deposit by mobile capture or lockbox. Guide →

Also covers

Account updater Surcharging Cost recovery Interchange optimization MX Retail MX Orders Decline handling

Embed a widget Priority 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 out Pay by ACH, wire, international wire, check or book transfer. Guide → Transfer funds Move money between accounts. Guide → Schedule recurring transactions Create, manage and track repeating transactions. Guide →

Also covers

International wires Supported currencies NACHA file management Cut-off times and status changes Exceptions and reconciliation

After the payment

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

Guides → API reference →

Void a payment Cancel a payment that has not settled. Guide → Refund a payment Return money to a customer. Guide → Settlement and funding Follow how payments settle and fund an account. Guide → Reports and reconciliation Batch, ACH and dispute reports, exceptions and statements. Guide → Find and track transactions Find, list and follow payments and payouts. Guide →

Also covers

Adjustments Batch management Funding rules Cancel, stop and refund a transaction Cut-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 card Issue virtual and physical cards. Guide → Card programs Compare debit, prepaid and secured credit programs. Guide →

Also covers

Set up card issuance Fund issued cards Manage cards Spend controls Digital wallets Card declines Embossing

Explore the docs

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

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