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Payments made simple for your business

Running a business online means you need to handle money — getting paid by customers, paying people you work with, and keeping track of everything in between. Sznd makes this easy.

Sznd is your one place for all business payments. Instead of connecting to lots of different banks and payment companies one by one, you connect to Sznd once. We handle the complicated connections in the background and give you one simple way to manage everything, with one dashboard to see what's happening.

You focus on building your product. We'll make sure the money moves where it needs to go — quickly, safely, and without the headaches.

To get started, your app will talk to Sznd at /api/v1/client/.... Every request is protected with your business API keys and a special code that proves it's really you. This keeps your account safe and ensures only your team can make changes. If you're new to this, start with Authentication — it walks you through how to set this up, step by step.

What is Sznd?

Sznd is a single place to handle all the money side of your business. Whether your customers pay by card, bank transfer, mobile money, or crypto, and whether you need to pay people in different countries and currencies, Sznd connects you to all of those options through one connection.

Normally, you'd need to build a separate connection for each way of moving money and figure out the different rules for each country. With Sznd, you do it once. We take care of the extra work in the background — checking details, handling fees and exchange rates, and making sure payments get to the right place — so you can focus on your customers and your product.

What you can build with Sznd

Set prices and move money

Get a clear price before you move money, look it up again whenever you need, and confirm it when you're ready. Once you confirm, we'll show it as a transaction you can track — whether it went through, is still being processed, or needs attention. You can view a list of all transactions, get summaries, and look up any payment by its reference number. This gives you a clear record of everything that has happened with your money. For crypto payments that need to be converted to regular money, see Crypto offramp.

Get paid by your customers

Let your customers pay you in the way that works best for them. Set up checkout pages and card payments, handle different payment methods for different countries, and manage things like confirming payments or giving refunds when needed. You can follow every payment the same way you track other money movements — all in one place.

Pay people and manage your balance

Add the people or businesses you need to pay, keep money in your wallets, and check your balances at any time so you know how much you have available. This makes it easy to plan payouts and keep your funds organized. We also help you collect basic information about your customers when needed, so everything stays compliant and ready to go.

Stay in sync with updates

Tell us where to send automatic updates and we'll let your system know whenever something changes — like when a payment is completed or needs attention. Every update comes with a way to check that it's really from Sznd, so you can be sure the information is trustworthy. The Webhooks guide explains what these updates look like and how to handle them safely, even if the same update is sent more than once.

Check details before you pay

When paying people in other countries, small details matter — like the right way to write an address, phone number, or bank information. Sznd gives you helpful tools to check these details before you send money, so your payments are less likely to fail. Use our bank lists and account checking tools to make sure the information you submit is correct for that country.

Try things safely without real money

Before you go live, you can test everything without using real money. We provide practice tools that let you simulate payments, payouts, and updates so you can see how everything works end-to-end. This is perfect for testing your setup or showing your team how it works. These tools are only available in our test environment and are not used for real payments.

How this documentation is organized

• Guides walk you through the main things you can do with Sznd: Collections (getting paid), Payouts (sending money), Quotes (getting a price before you pay), Wallets (managing your balance), and Webhooks (getting automatic updates).
• Reference is where you find the details: how Authentication works, what we check during KYC, how to use our test tools, and the meaning of things like Transactions, Transfers, Customers, and shared helpers such as banks and currencies.

If you're new, start with Authentication to get connected, then open the guide that matches what you want to do first: Collections, Payouts, or Wallets. If you just need to look something up, start from Resources.

Staying safe

Use our test environment and practice tools until your setup has been reviewed and you're ready for real payments. Change your API keys when someone leaves your team or when you stop working with a partner. And always double-check updates you receive — make sure they're really from Sznd and be ready to handle the same update if it's sent more than once.

Support

Need help getting started, going live, or finding the right setup for your business? Reach out to us: support@sznd.app.