Accept a payment

Count an underpaid payment, or one that needs review, as paid with what arrived.

Works on an underpaid payment or one that needs_review, when what arrived is enough for you. The payment becomes succeeded with what arrived: amount_received shows it, reporting.amount is its USD value, less any customer_fee, with the fee taken on that, and settlement.amount adds up every transfer, whole. The timeline gains an accepted event, and you receive payment.succeeded.

The example accepts a link payment that received 90% of its price. Any open checkout for the rest stops waiting.

Path

id string Required

The payment's ID, such as pmt_QI02vLdJGd48hBbg.

Errors

404 not_found

No payment with that ID belongs to your business.
403 test_mode_unavailable

A test key can't accept a payment on a live business, so use a live key.
409 payment_not_acceptable

The payment isn't underpaid or needs_review.

Any request can also fail on its key or its body. See errors.

Request

curl -X POST "https://dash.402pay.co/api/v1/payments/pmt_Kson1iADtxwHYH5M/accept" \  -H "Authorization: Bearer $PAY402_SECRET_KEY"

Response200 OK

{  "data": {    "id": "pmt_Kson1iADtxwHYH5M",    "kind": "payment",    "status": "succeeded",    "amount": 19900,    "currency": "USD",    "fee_payer": "business",    "customer_fee": 0,    "amount_received": 17910,    "reporting": {      "currency": "USD",      "amount": 17910,      "fee": 0,      "transaction_fee": 25,      "customer_fee": 0,      "net": 17885    },    "fee_rate_bps": 0,    "method": {      "rail": "crypto",      "asset": "USDC",      "network": "polygon",      "amount": "179.10",      "expected_amount": "199.00",      "overpaid_amount": null,      "from_address": "0xadb252a42ccdd382c58673cb88a05d0f52e0ab6e",      "tx_hash": "0xca57b032a212f2940f33dbfd296f14758a44534efe87d126c42e1b1838b35639",      "explorer_url": "https://polygonscan.com/tx/0xca57b032a212f2940f33dbfd296f14758a44534efe87d126c42e1b1838b35639"    },    "settlement": {      "destination": "wallet",      "asset": "USDC",      "network": "polygon",      "amount": "179.10",      "wallet_id": "wal_1fIGZOrILmsCO0jw",      "address": "0xee44DbeB8F3d1F216f7317c5B08C1fA1C8b8CA81",      "tx_hash": "0xca57b032a212f2940f33dbfd296f14758a44534efe87d126c42e1b1838b35639",      "explorer_url": "https://polygonscan.com/tx/0xca57b032a212f2940f33dbfd296f14758a44534efe87d126c42e1b1838b35639"    },    "customer_id": "cst_gWFWcc7Ga0Pv7LSC",    "link_id": "lnk_nt842tPNne3lf0ka",    "url": null,    "reference": null,    "metadata": {},    "success_url": null,    "cancel_url": null,    "expires_at": null,    "canceled_at": null,    "checkout_id": "chk_cT8iEk2tGkc9wC46",    "description": "Team plan, monthly",    "country": "US",    "failure_code": null,    "failure_message": null,    "confirmed_at": "2026-09-26T21:23:16.700Z",    "created_at": "2026-09-26T21:22:47.082Z",    "updated_at": "2026-09-26T21:23:16.700Z",    "events": [      {        "type": "created",        "created_at": "2026-09-26T21:22:47.082Z",        "data": null      },      {        "type": "method_selected",        "created_at": "2026-09-26T21:22:47.082Z",        "data": {          "rail": "crypto",          "asset": "USDC",          "network": "polygon"        }      },      {        "type": "detected",        "created_at": "2026-09-26T21:22:47.098Z",        "data": {          "amount": "179.10",          "network": "polygon",          "tx_hash": "0xca57b032a212f2940f33dbfd296f14758a44534efe87d126c42e1b1838b35639"        }      },      {        "type": "underpaid",        "created_at": "2026-09-26T21:22:47.098Z",        "data": {          "expected": "199.00",          "received": "179.10"        }      },      {        "type": "accepted",        "created_at": "2026-09-26T21:23:16.700Z",        "data": null      }    ]  }}