# iSmartPay Developers

> Documentation for the iSmartPay API: collections, payouts, hosted checkouts, utility purchases, settlements, wallet transfers and webhooks.

## Changelog

- [v1](https://docs.ismartghana.com/changelog/v1)

## Guides

- [Introduction](https://docs.ismartghana.com/guides): What the iSmartPay API does, and how test and live differ.
- [Quickstart](https://docs.ismartghana.com/guides/quickstart): Create a test key, get a token, make a collection and receive the webhook.
- [Authentication](https://docs.ismartghana.com/guides/authentication): Exchange a client ID and secret for a short-lived bearer token.
- [Idempotency and references](https://docs.ismartghana.com/guides/idempotency-and-references): How to retry safely and how references identify payments.
- [Money and fees](https://docs.ismartghana.com/guides/money-and-fees): How amounts are written, and how fees are quoted and charged.
- [Payment statuses](https://docs.ismartghana.com/guides/payment-statuses): The states a payment moves through, and how to follow them.
- [Utility purchases](https://docs.ismartghana.com/guides/utility-purchases): Buy airtime and data for a mobile number.
- [Payout batches](https://docs.ismartghana.com/guides/payout-batches): Send up to 100 payouts in one request.
- [Hosted checkouts](https://docs.ismartghana.com/guides/hosted-checkouts): Create a payment link your customer opens to pay you by mobile money.
- [Settlements](https://docs.ismartghana.com/guides/settlements): Pay your wallet balance out to your own accounts, on a schedule or on demand.
- [Wallet transfers](https://docs.ismartghana.com/guides/wallet-transfers): Send money from your wallet to another iSmartPay business.
- [Transactions and events](https://docs.ismartghana.com/guides/transactions-and-events): List what moved through your wallet, and catch up on webhooks you missed.
- [Webhooks](https://docs.ismartghana.com/guides/webhooks): Get a signed call when a payment, settlement or transfer changes state.
- [Sandbox](https://docs.ismartghana.com/guides/sandbox): Test mobile money numbers and what each one does.
- [Errors](https://docs.ismartghana.com/guides/errors): The error format and the codes you may see.
- [Going live](https://docs.ismartghana.com/guides/going-live): What you need for live keys, and how to switch.

## Reference

- [iSmartPay API](https://docs.ismartghana.com/reference)

### Collections

- [Collect money from a payer](https://docs.ismartghana.com/reference/collections/create-collection)
- [Get a collection](https://docs.ismartghana.com/reference/collections/get-collection)
- [Preview the fee on a collection](https://docs.ismartghana.com/reference/collections/quote-collection-fee)

### Checkouts

- [Cancel a hosted checkout](https://docs.ismartghana.com/reference/checkouts/cancel-checkout)
- [Create a hosted checkout](https://docs.ismartghana.com/reference/checkouts/create-checkout)
- [Get a hosted checkout](https://docs.ismartghana.com/reference/checkouts/get-checkout)
- [List hosted checkouts](https://docs.ismartghana.com/reference/checkouts/list-checkouts)

### Payouts

- [Get a payout](https://docs.ismartghana.com/reference/payouts/get-payout)
- [Preview the fee on a payout](https://docs.ismartghana.com/reference/payouts/quote-payout-fee)
- [Send money to a recipient](https://docs.ismartghana.com/reference/payouts/create-payout)
- [Send up to 100 payouts at once](https://docs.ismartghana.com/reference/payouts/create-payout-batch)

### Utilities

- [Buy airtime or data](https://docs.ismartghana.com/reference/utilities/create-utility-purchase)
- [Get a utility purchase](https://docs.ismartghana.com/reference/utilities/get-utility-purchase)
- [List airtime and data products](https://docs.ismartghana.com/reference/utilities/list-utility-products)
- [Preview the fee on a utility purchase](https://docs.ismartghana.com/reference/utilities/quote-utility-fee)

### Settlements

- [Get a settlement run](https://docs.ismartghana.com/reference/settlements/get-settlement)
- [Get the latest settlement run](https://docs.ismartghana.com/reference/settlements/get-latest-settlement)
- [Get where and when settlements are paid](https://docs.ismartghana.com/reference/settlements/get-settlement-policy)
- [List settlement runs](https://docs.ismartghana.com/reference/settlements/list-settlements)
- [Retry a failed settlement run](https://docs.ismartghana.com/reference/settlements/retry-settlement)
- [Set where and when settlements are paid](https://docs.ismartghana.com/reference/settlements/put-settlement-policy)
- [Settle now](https://docs.ismartghana.com/reference/settlements/settle-now)
- [Turn settlement off](https://docs.ismartghana.com/reference/settlements/delete-settlement-policy)

### Transfers

- [Check who a handle belongs to](https://docs.ismartghana.com/reference/transfers/get-recipient)
- [Get a transfer](https://docs.ismartghana.com/reference/transfers/get-transfer)
- [Send money to another business](https://docs.ismartghana.com/reference/transfers/create-transfer)

### Reference

- [List the providers you can use](https://docs.ismartghana.com/reference/reference/list-payment-methods)
- [Look up the name on a mobile money number](https://docs.ismartghana.com/reference/reference/lookup-party)

### Account

- [List your transactions](https://docs.ismartghana.com/reference/account/list-transactions)
- [Read your limits and what is left](https://docs.ismartghana.com/reference/account/get-limits)
- [Read your wallet balances](https://docs.ismartghana.com/reference/account/get-wallet)

### Webhooks

- [collection.accepted](https://docs.ismartghana.com/reference/webhooks/webhook-collection-accepted)
- [collection.status_changed](https://docs.ismartghana.com/reference/webhooks/webhook-collection-status-changed)
- [payout.accepted](https://docs.ismartghana.com/reference/webhooks/webhook-payout-accepted)
- [payout.status_changed](https://docs.ismartghana.com/reference/webhooks/webhook-payout-status-changed)
- [settlement.status_changed](https://docs.ismartghana.com/reference/webhooks/webhook-settlement-status-changed)
- [transfer.received](https://docs.ismartghana.com/reference/webhooks/webhook-transfer-received)
- [transfer.status_changed](https://docs.ismartghana.com/reference/webhooks/webhook-transfer-status-changed)
- [utility_purchase.accepted](https://docs.ismartghana.com/reference/webhooks/webhook-utility-purchase-accepted)
- [utility_purchase.status_changed](https://docs.ismartghana.com/reference/webhooks/webhook-utility-purchase-status-changed)

### Events

- [Catch up on events you missed](https://docs.ismartghana.com/reference/events/list-events)

## RSS Feeds

- [iSmartPay Developers — Changelog](https://docs.ismartghana.com/changelog/rss.xml)

## Agent skills

- [ismartpay-developers](https://docs.ismartghana.com/.well-known/agent-skills/ismartpay-developers/SKILL.md): Read the iSmartPay Developers docs instead of answering from memory. Documentation for the iSmartPay API: collections, payouts, hosted checkouts, utility purchases, settlements, wallet transfers and webhooks. Use when a task involves iSmartPay Developers: how it works, how to set it up or configure it, or its API.

## Agent resources

- [llms-full.txt](https://docs.ismartghana.com/llms-full.txt): The full Markdown of every page in one file.
- [Page Markdown](https://docs.ismartghana.com/index.md): Append `.md` to any page URL to fetch that page as raw Markdown.
- [JSON API](https://docs.ismartghana.com/api/docs/pages.json): Page index of the JSON docs API; each entry links the page's JSON and Markdown forms. Described by the OpenAPI document at https://docs.ismartghana.com/openapi.json.
- [Agent skills](https://docs.ismartghana.com/.well-known/agent-skills/index.json): Agent Skills discovery index of the skills this site publishes.
- [API catalog](https://docs.ismartghana.com/.well-known/api-catalog): RFC 9727 linkset of the APIs documented here.
- [AI catalog](https://docs.ismartghana.com/.well-known/ai-catalog.json): ARD manifest of the agent-facing resources on this site (MCP server, skills, APIs).
- [agent-readability.json](https://docs.ismartghana.com/agent-readability.json): Manifest of every agent-facing artifact on this site.
- [Sitemap](https://docs.ismartghana.com/sitemap.xml): Every indexable page URL with its last-modified date.