> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://beta-docs.payabli.com/guides/overview-guides-home/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://beta-docs.payabli.com/_mcp/server.

# Core concept guides

These guides help you understand payment concepts like how money moves in Payabli, how fees work, and more. Browse our educational guides below, or using the navigation on the left side of the page.

## Foundational concepts

These guides are designed to help you understand the foundational concepts of Payabli. They cover the three Ps: Pay In, Pay Out, and Pay Ops, how money moves, and how to get started with Payabli.

#### [The three Ps](/guides/payabli-3-ps)

Learn about Payabli's three Ps: Pay In, Pay Out, Pay Ops

#### [Get started with Payabli](/guides/getting-started)

Learn how to get from signing with Payabli to your first residual check

#### [How money moves](/guides/pay-ops-how-money-moves)

Learn how transactions, batches, and transfers work together in Payabli to move money

## Pay In

Learn about important Pay In concepts, including how to make transactions, refunds, and more.

#### Making transactions

#### [Split payment chargebacks & returns](/guides/split-chargebacks-and-returns)

Learn how Payabli handles chargebacks and ACH returns for split transactions

#### [Pay in transaction lifecycle](/guides/pay-in-transaction-lifecycle)

Learn about the Pay In transaction lifecycle and its stages and statuses

#### [Enhanced refund flow](/guides/pay-in-enhanced-refund-flow)

Learn how the Enhanced Refund Flow feature works to make card refunds more efficient

#### [Pass-through fees](/guides/passthrough-fees)

Learn how pass-through fees work in Payabli

#### [Understand refunds & failures](/guides/money-in-refund-failure)

Learn about refunds and what to do when refunds fail

#### [Understanding CIT & MIT indicators](/guides/money-in-cit-mit)

Learn about Cardholder Initiated Transaction (CIT) and Merchant Initiated Transaction (MIT) indicators for Pay In transactions

#### [Level II & level III processing](/guides/l2-l3-processing)

Learn about the fields required for Level I, II, and III processing

#### [Credit card payments cycle](/guides/cards-process)

Learn how credit card transactions work

#### [ACH payments cycle](/guides/ach-process)

Learn how ACH transactions work

#### Refunds

#### [Split payment chargebacks & returns](/guides/split-chargebacks-and-returns)

Learn how Payabli handles chargebacks and ACH returns for split transactions

#### [Enhanced refund flow](/guides/pay-in-enhanced-refund-flow)

Learn how the Enhanced Refund Flow feature works to make card refunds more efficient

#### [Understand refunds & failures](/guides/money-in-refund-failure)

Learn about refunds and what to do when refunds fail

#### Batches and funding

#### [Custom batch times](/developer-guides/pay-in-custom-batch-times)

Learn about to how to set a preferred batch cutoff time with the Custom Batch Time feature

## Pay Out

Learn about important Pay Out concepts, including how to make payouts, managed payables, and more.

#### [Understand positive pay](/guides/pay-out-positive-pay)

Learn how Positive Pay works to prevent check fraud

#### [Payables overview](/guides/pay-out-payables-overview)

Learn about managing your payables and payouts with Payabli

#### [Understanding managed payables](/guides/money-out-managed-payables)

Learn about managed payables and the vendor enablement process

#### [Bills & invoices](/guides/bills-vs-invoices)

Learn the difference between bills and invoices

## Pay Ops

Learn about important Pay Ops concepts, including account management, billing and fees, and more.

#### Account management

#### [Understanding processing fees statements](/user-guides/processing-fees-invoicing)

Learn how to interpret merchant statements for processing fees

#### [Request bank account change](/guides/request-bank-account-change)

Learn how to update a paypoint's bank account information

#### Basics

#### [Supported regions](/user-guides/supported-regions)

Learn which countries and territories are supported for money in and money out features

#### [Understanding thresholds](/user-guides/merchant-thresholds)

Learn about how threshold amounts affect your payment processing

#### Batches and funding

#### [Managing merchant ACH debit failures & returns](/user-guides/pay-ops-transfer-returns)

Learn how manage merchant ACH debit failures and returns and how impact merchant funding and transfers

#### Boarding

#### [Required fields for boarding applications](/guides/kyc-fields-for-boarding)

Learn more about the know-your-customer (KYC) and know-your-business (KYB) fields required for merchant onboarding

#### [Boarding overview](//user-guides/boarding-overview)

Learn how boarding merchants works

#### [Bulk boarding guide](//user-guides/bulk-boarding)

Learn how to bulk board merchants in Payabli

#### Billing and fees

#### [Understanding processing fees statements](/user-guides/processing-fees-invoicing)

Learn how to interpret merchant statements for processing fees

#### [Merchant processing pricing & fees](/guides/pay-ops-billing-and-fees-overview)

Learn how merchant processing fees work in Payabli

#### Disputes

#### [Managing merchant ACH debit failures & returns](/user-guides/pay-ops-transfer-returns)

Learn how manage merchant ACH debit failures and returns and how impact merchant funding and transfers

#### [Payment disputes](/guides/chargebacks-and-returns)

Learn how payment disputes like chargebacks and ACH returns work

#### Reporting

#### [Managing merchant ACH debit failures & returns](/user-guides/pay-ops-transfer-returns)

Learn how manage merchant ACH debit failures and returns and how impact merchant funding and transfers

#### Risk & compliance

#### [Risk & compliance basics](/guides/pay-ops-risk-basics)

Learn about suspicious activity detection and compliance in payment processing

#### Tokenization

#### [Public PGP key](/user-guides/tokenization-public-pgp-key)

Payabli's public PGP key for migrating stored payment method tokens

#### [Migrate from Stripe](/user-guides/tokenization-migrate-stripe-to-payabli)

Learn how to migrate tokenized payment data from Stripe into Payabli

#### [Migrate tokenized card data](/user-guides/tokenization-migrate-payment-data)

Learn how migrating tokenized card data works in Payabli

#### [Migrate token data from Payabli](//user-guides/tokenization-migrate-out-of-payabli)

Learn how to migrate tokenized payment data from Payabli to a different provider

#### [Migrate from Authorize.net](/user-guides/tokenization-migrate-authorizenet-to-payabli)

Learn how to migrate tokenized payment data from Authorize.net into Payabli

> If you're a software company, you're a payments company™