Payments for platforms
Running a marketplace, SaaS, or vertical platform? Let the businesses on it connect their TwelveAI account and accept payments through you — while you take an application fee on every charge.
POST /api/business/v1/payments/initialize
Authorization: Bearer tw_at_... # connected account token
{
"email": "customer@example.com",
"amount": 50000,
"application_fee_percent": 2.5 # your 2.5% cut
}
# → connected account is credited net of your fee
# → your fee lands in your platform wallet at T+1Connect once, act on behalf
Register your app
Create an OAuth app in your dashboard. You get a client ID and secret, and can start in test mode immediately.
A business connects
They approve a scoped consent screen. You receive an authorization code and exchange it for an access token.
Act on their behalf
Use the token to charge, read data, or initiate payouts for that account — with an optional application fee.
Get settled
The connected account is credited net of your fee at T+1; your application fee lands in your own wallet.
Granular, owner-approved access
Request only what you need. The account owner sees exactly which scopes they’re granting on the consent screen, and the connection’s granted scopes are the ceiling — enforced on every request.
payments:readRead the connected account’s payments and their status.payments:writeInitialize charges on behalf of the connected account.transactions:readRead the transactions and settlement feed.customers:readRead the connected account’s customer records.payouts:writeInitiate payouts to the account’s verified settlement destination.balance:readRead the connected account’s wallet balances.Security the account owner controls
Scoped & revocable
Every connection grants only the scopes the owner approved. They can disconnect at any time and tokens die instantly.
OAuth 2.0 + PKCE
Standard authorization-code flow with PKCE support and exact redirect-URI matching. No shared credentials.
Test then live
Build against test-mode connections with no approval. Live access is granted after a quick admin review.
Platform webhooks
Get notified when accounts connect, update scopes, or disconnect — all HMAC-signed.
Build payments into your platform
Register an app, connect your first business in test mode, and go live after a quick review.