> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.bigcommerce.com/_mcp/server. # Payment Processing > Charge customers and process refunds through BigCommerce's PCI-compliant Payments server using supported payment gateways. > The Payments API processes payments using payment instruments such as credit cards or PayPal accounts. To learn more about Payments, see the [Payments Overview](/developer/docs/admin/checkout-and-cart/payments). The Payment Processing API uses BigCommerce's PCI-compliant payments server and a supported payment gateway to charge customers. The payment portal you choose may support charging stored instruments and/or making refund transactions. For a list of compatible payment gateways, as well as a guide through the API call sequence needed to make charges, see the [Payments Overview](/developer/docs/admin/checkout-and-cart/payments#compatible-payment-gateways). A Payment Access Token (*PAT*) is required to authorize payment processing requests. To generate a PAT, use the [Create a Payment Access Token](/developer/api-reference/rest/admin/payments/tokens/create-payment-access-token) endpoint. For a payment processing authentication example request, see the related section in our [Authentication article](/developer/docs/overview/api-fundamentals/api-accounts#bigcommerce-generated-jwts). Also note that payment processing requests use the BigCommerce Payments Gateway, which uses a different server than our other REST APIs. Please see the server URL for the payment processing endpoint. > To learn more about authenticating Payments endpoints, locate the **Authentication** section at the top of each endpoint, then click **Show Details**. ## Resources * [Payments Overview](/developer/docs/admin/checkout-and-cart/payments) * [Process payments authentication example request](/developer/docs/overview/api-fundamentals/api-accounts#bigcommerce-generated-jwts) * [Orders Overview](/developer/docs/admin/checkout-and-cart/orders) ### Webhooks * [Carts](/developer/docs/integrations/webhooks/event-reference#carts) * [Orders](/developer/docs/integrations/webhooks/event-reference#orders) * [Price list assignment](/developer/docs/integrations/webhooks/event-reference#price-list-assignments) ### Additional Payments endpoints * [Get accepted payment methods](/developer/api-reference/rest/admin/payments/methods/get-payment-methods) * [Create a Payment Access Token](/developer/api-reference/rest/admin/payments/tokens/create-payment-access-token) * [Get a customer's stored instruments](/developer/api-reference/rest/admin/management/customers/v3/stored-instruments/get-customer-stored-instruments) * [Stored Instruments API (Beta)](/developer/api-reference/rest/admin/payments/stored-instruments) > Build amazing commerce solutions powered by the BigCommerce platform ## Docs - [Stored Instruments API (Beta)](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments.md) - [Stored Instruments API (Beta)](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments.md) - [Payment Methods](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/methods.md) - [Payment Methods V3](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/methods/v3.md) - [Payment Methods V2](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/methods/v2.md) - [Transactions API (Beta)](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/transactions.md) ## API Docs - Admin Payments: Payment Processing > Processing [Process Payments](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/processing/payments-post.md) - Admin Payments: Payment Processing > Attach Instrument to Customer [Attach Instrument to Customer](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/attach-instrument-to-customer/create-instrument.md) - Admin Payments: Payment Access Token > Tokens [Create Payment Access Token](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/tokens/create-payment-access-token.md) - Admin Payments: Payment Access Token > Stored Instruments > Manage Instruments [Create Instrument Access Token](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/create-token.md) - Admin Payments: Payment Access Token > Stored Instruments > Manage Instruments [List Instruments](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/list-instruments-for-store.md) - Admin Payments: Payment Access Token > Stored Instruments > Manage Instruments [Bulk Import Instruments](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/bulk-import-instruments.md) - Admin Payments: Payment Access Token > Stored Instruments > Manage Instruments [Update Instrument](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/update-instrument.md) - Admin Payments: Payment Access Token > Stored Instruments > Manage Instruments [Bulk Delete Instruments](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/bulk-delete-instruments.md) - Admin Payments: Payment Access Token > Stored Instruments > Manage Instruments [Remove Instrument from Store and Gateway](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/unvault-instrument.md) - Admin Payments: Payment Access Token > Stored Instruments > Manage Instruments [List Available Payment Method Ids](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/list-methods-for-store.md) - Admin Payments: Payment Methods V3 [List Accepted Payment Methods](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/methods/v3/get-payment-methods.md) - Admin Payments: Payment Methods V2 [List Payment Methods](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/methods/v2/get-all-payment-methods.md) - Admin Payments: Payment Transactions > Transactions [Create Purchase Transaction](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/transactions/create-purchase-transaction.md) - Admin Payments: Payment Transactions > Transactions [Create Authorization Transaction](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/transactions/create-authorization-transaction.md) ## OpenAPI Specification The raw OpenAPI 3.1 specification for this API is available at: - [OpenAPI JSON](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/openapi.json) - [OpenAPI YAML](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/openapi.yaml)