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Create a payment, share payment_link, then look it up by your reference.

Create a payment

POST /payments returns a hosted checkout URL. Amounts are minor units. reference must be unique — reusing one returns 409.
Share payment_link with the customer. Do not fulfill from callback_url alone — retrieve the payment first. For a reusable link, use Collections. To bill from a catalog, use Invoices. Test cards: Test vs Live.

Retrieve

Cancel

Cancel by payment id, not reference. Only pending or processing.
Listen for payment.completed, payment.failed, payment.expired, and payment.canceled. See Webhooks. Refund a completed payment with Refunds.