# Overview

The Xplor Pay API is a RESTful web service that provides a standardized interface for payment processing operations. All endpoints follow REST principles to ensure consistency, scalability, and ease of integration across multiple systems. Use these APIs to onboard merchants, process payments, retrieve reports, and handle disputes programmatically.

### Quick Navigation

#### Getting Started

Explore the essentials before you begin integrating with Xplor Pay APIs.

<table data-view="cards"><thead><tr><th></th><th></th><th></th></tr></thead><tbody><tr><td><i class="fa-memo-circle-check">:memo-circle-check:</i>  <strong>API Core Standards</strong></td><td>Learn the core principles for using Xplor Pay APIs, including data formats, HTTP methods, and authentication requirements.</td><td><a href="api-core-standards">Learn More</a></td></tr><tr><td><i class="fa-webhook">:webhook:</i>  <strong>Webhooks</strong></td><td>Explore webhooks to receive real-time event notifications from Xplor Pay.</td><td><a href="webhooks">Learn More</a></td></tr><tr><td><i class="fa-gear">:gear:</i>  <strong>Resources</strong></td><td>Access test data, result codes, and reference materials to support your integration.</td><td><a href="resources">Learn More</a></td></tr></tbody></table>

#### API Reference

Dive into product-specific APIs that power your integrations.

<table data-view="cards"><thead><tr><th></th><th></th><th></th></tr></thead><tbody><tr><td><i class="fa-briefcase">:briefcase:</i>  <strong>Merchant Onboarding</strong></td><td>Automate merchant setup with our Onboarding APIs or use Hosted Merchant Onboarding for a guided, UI-driven experience.</td><td><a href="api/merchant-onboarding">Learn More</a></td></tr><tr><td><i class="fa-credit-card">:credit-card:</i>  <strong>Payments</strong></td><td>Process payments through multiple methods, including Card, Mobile, and ACH</td><td><a href="api/payments">Learn More</a></td></tr><tr><td> <i class="fa-message-dollar">:message-dollar:</i>  <strong>Disputes</strong></td><td>Retrieve and manage dispute cases, including dispute reporting and merchant responses.</td><td><a href="api/disputes">Learn More</a></td></tr><tr><td><i class="fa-file-chart-pie">:file-chart-pie:</i>  <strong>Reporting</strong></td><td>Access a suite of financial and operational reports providing visibility across multiple merchants.</td><td><a href="api/reporting">Learn More</a></td></tr></tbody></table>