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

# Payment API overview

> Choose the right LigdiCash payment method for your use case: hosted or direct payin, customer or merchant payout.

LigdiCash offers several payment methods depending on whether you collect funds (payin) or send them (payout), and on the level of control you want over the user experience.

## Decision table

| I want to…                                    | Method                                                        |
| --------------------------------------------- | ------------------------------------------------------------- |
| Let LigdiCash handle the payment interface    | [Hosted payin](/en/payment-api/hosted-payin/introduction)     |
| Embed the payment directly in my interface    | [Direct payin](/en/payment-api/direct-payin/introduction)     |
| Send money to a customer's LigdiCash wallet   | [Customer payout](/en/payment-api/payout/to-ligdicash-wallet) |
| Send money directly to a mobile money account | [Merchant payout](/en/payment-api/payout/to-mobile-money)     |

## Hosted payin

The customer is redirected to the payment page hosted by LigdiCash. They choose their operator, enter their number, and validate the payment. Once finished, they are sent back to your site.

**Benefits** — simple integration, no payment UX to manage, compatible with all supported operators.

**Use cases** — e-commerce, web portals, any context where a redirect is acceptable.

<Card title="Hosted payin" icon="arrow-up-right" href="/en/payment-api/hosted-payin/introduction">
  Create an invoice and redirect the customer to the LigdiCash payment page
</Card>

## Direct payin

The payment is initiated directly from your interface. Your customer does not leave your application. You handle phone number collection and, depending on the operator, OTP entry.

**Benefits** — seamless user experience, native integration in your web or mobile app.

**Use cases** — mobile applications, business interfaces, flows where redirection is undesirable.

<Card title="Direct payin" icon="mobile" href="/en/payment-api/direct-payin/introduction">
  Initiate a payment directly from your interface without redirection
</Card>

## Customer payout

Sending money to the customer's **LigdiCash wallet**. The endpoint used is `POST /pay/v01/withdrawal/create`.

**Use cases** — refunds, winnings, cashback to customers with a LigdiCash account.

<Card title="Customer payout" icon="wallet" href="/en/payment-api/payout/to-ligdicash-wallet">
  Send funds to a customer's LigdiCash wallet
</Card>

## Merchant payout

Sending money **directly to a mobile money number**, without going through an intermediary LigdiCash wallet. The endpoint used is `POST /pay/v01/straight/payout`.

**Use cases** — paying suppliers, payroll, transfers to recipients without a LigdiCash account.

<Card title="Merchant payout" icon="paper-plane" href="/en/payment-api/payout/to-mobile-money">
  Send funds directly to a mobile money number
</Card>