Move money globally with a single API
Send cross-border and local payments, collect funds, hold multi-currency balances, convert FX, and react to events in real time. Authenticate with your API credentials and start integrating in minutes.
Choose your portal
The API surface is the same, but each role sees the world differently. Pick the one that matches your integration.
Client
Integrate the Client API to move money for yourself and the underlying customers you serve.
- Your own account & underlying customers
- House / Sub-Account fund flows
Program Manager
Onboard and manage the clients you serve, and initiate transactions on their behalf.
- Client onboarding & approval
- Act on behalf of any managed client
Not sure which role applies to you? Contact your Account Manager.
What you can build
Authentication
Exchange your apiUser and apiKey for a short-lived JWT access token.
Accounts & Balances
Multi-currency balances, virtual accounts for collection, and a full transaction ledger.
Beneficiaries
Create business and personal payees, and verify them with Confirmation of Payee.
Payments
Send standard and FX payments over SWIFT, local rails, and fee-free internal transfers.
Deposits
Collect funds into virtual accounts and track each deposit through its lifecycle.
Webhooks
Subscribe to encrypted, real-time notifications for payments, deposits, and clients.
Two environments, one flow
Build and test against Sandbox—no real money moves—then switch to Production when your integration is verified. Only the base URL changes.
https://api.sandbox.capay.com.auhttps://api.capay.com.auReady to start building?
Your Integration Support team provides your API credentials. Follow the Quick Start to authenticate and make your first call.