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<h2 data-start="150" data-end="238">The merchant API and the payout API serve distinct purposes tailored to different needs:</h2>
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<h4><strong>The&nbsp;merchant API&nbsp;is designed for platforms that need to receive payments from their customers. It’s ideal for e-commerce, service-based platforms, or any business looking to automate payment generation and payment collection.</strong></h4>
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<h4 data-start="475" data-end="701">The&nbsp;<strong data-start="479" data-end="493">payout API</strong>, on the other hand, is meant for platforms that need to send payments to their users. It’s commonly used by trading platforms, casinos, or marketplaces to facilitate withdrawals or disbursements efficiently.</h4>
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<p data-start="703" data-end="951" class="">The key difference lies in their functionality: the merchant API focuses on&nbsp;<strong>receiving payments</strong>, while the payout API is&nbsp;<strong>all about sending them</strong>. Many platforms leverage both APIs to handle both payment collection and disbursement effectively.</p>
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<p data-start="953" data-end="1201" class="">To determine which one suits your needs, consider your platform’s goals. If you need to collect payments from users, the&nbsp;merchant API&nbsp;is your solution. If your focus is on processing payouts or withdrawals, the&nbsp;payout API is the better fit.</p>
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THE MERCHANT API AND THE PAYOUT API SERVE DISTINCT PURPOSES TAILORED TO DIFFERENT NEEDS:

 * THE MERCHANT API IS DESIGNED FOR PLATFORMS THAT NEED TO RECEIVE PAYMENTS FROM THEIR CUSTOMERS. IT’S IDEAL FOR E-COMMERCE, SERVICE-BASED PLATFORMS, OR ANY BUSINESS LOOKING TO AUTOMATE PAYMENT GENERATION AND PAYMENT COLLECTION.

 * THE PAYOUT API, ON THE OTHER HAND, IS MEANT FOR PLATFORMS THAT NEED TO SEND PAYMENTS TO THEIR USERS. IT’S COMMONLY USED BY TRADING PLATFORMS, CASINOS, OR MARKETPLACES TO FACILITATE WITHDRAWALS OR DISBURSEMENTS EFFICIENTLY.

The key difference lies in their functionality: the merchant API focuses on receiving payments, while the payout API is all about sending them. Many platforms leverage both APIs to handle both payment collection and disbursement effectively.

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To determine which one suits your needs, consider your platform’s goals. If you need to collect payments from users, the merchant API is your solution. If your focus is on processing payouts or withdrawals, the payout API is the better fit.

What is the difference between the merchant API and the payout API, and which one would best fit my needs?

How can I perform initial API testing?

What are the steps to integrate the API?

I run an e-commerce platform. How can I start using OxaPay?

Integrate with Plugins

Can OxaPay be used for gambling or trading platforms?

Payment Notifications (IPN/Callback)

Why am I not receiving the callback? Is there a way to test the webhook functionality?

Why am I getting an error when sending a request to the API?

Can I programmatically create static addresses for different users?

How can I maximize the security of my account?

How do I enable 2FA for my account?

Can I use OxaPay without an email?

How can I extend the payment window for my invoices?

What is Underpaid Coverage?

Is it possible to complete an invoice using multiple cryptocurrencies?

Is there a way to deliver a message or link to customers after they complete a payment?

How do I maximize the security of my payouts?

What do the fields “ReturnURL”, “LogoURL”, and “CallbackURL” mean?

Technical

Anything on your mind? 

What is the difference between the merchant API and the payout API, and which one would best fit my needs?

The merchant API and the payout API serve distinct purposes tailored to different needs:

The merchant API is designed for platforms that need to receive payments from their customers. It’s ideal for e-commerce, service-based platforms, or any business looking to automate payment generation and payment collection.

The payout API, on the other hand, is meant for platforms that need to send payments to their users. It’s commonly used by trading platforms, casinos, or marketplaces to facilitate withdrawals or disbursements efficiently.