---
title: "Features"
slug: "payments-api-features"
updated: 2025-12-10T01:38:40Z
published: 2025-12-10T01:38:40Z
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Features

This table provides a comprehensive overview of the features included in our Payments API.

| Feature | Description |
| --- | --- |
| [Pay](/v1/docs/pay-one-off-payment) | Collect a payment from an end user using `/v3/payment_requests` |
| [Pay with tokens](/v1/docs/pay-with-tokens) | Collect a payment from an end user using `/v3/payment_requests` and a payment token |
| [Pay and save](https://xendit-docs.document360.io/docs/pay-and-save) | Collect a payment from an end user and generate a payment token if payment is successful using `/v3/payment_requests` |
| [Save](/v1/docs/save-payment-information) | Generate a payment token to save an end user’s payment information for future transactions using `/v3/payment_tokens` |
| [Reusable payment codes](/v1/docs/reusable-payment-codes) | Collect multiple payments via a reusable payment code using `/v3/payment_requests` |
| Refunds | Return an end user’s paid amount using `/refunds` |
| Get payment status | Fetch the latest status of a payment request using `/v3/payment_requests` |
| Merchant-initiated transactions | Collect payments by skipping the end user’s authentication step |
| Auth & capture | Collect payments by first reserving an amount on the end user’s account, and confirming the final deductible amount later |
| Partial capture | Collect payments by first reserving an amount on the end user’s account, and confirming a deduction value up to the reserved amount later |
| PCI compliant card data collection SDK | Collect payments without the need to be PCI certified. Our SDK helps to handle sensitive card information collection on your frontend while keeping your integration compliant |
| Full PAN integration | Collect payments with full flexibility if you are PCI certified. Our API accepts requests containing full card information and processes them compliantly |
| Optional 3DS | Increase payment success rates by performing 3DS only when it is required |
| Card on file tagging | Increase payment success rates by tagging transactions accurately for proper processing |
| Card recurring configuration tagging | Increase payment success rates by defining recurring payment schedule accurately for proper processing |
| Network tokens | Increase payment success rates by creating network tokens via Xendit or passing in network tokens during processing |
| Installments | Increase payment success rates by allowing installments for card transactions. End users get to break down payments into deferred repayment terms. Payments fees might be different when activated |
| Promotions administration | Roll out promotional features for your sale or deal day. Our promotion feature helps to facilitate distribution and check eligibility of discounts or vouchers |