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

# Quickstart

> Create your first payment in 5 minutes

## Prerequisites

* An Ebioro merchant account with API keys
* Your `api_public_key` and `api_secret_key` from the dashboard

## 1. Authenticate

All API requests use **Digest Authentication** with three headers:

| Header               | Description            |
| -------------------- | ---------------------- |
| `X-Digest-Key`       | Your public API key    |
| `X-Digest-Timestamp` | Current Unix timestamp |
| `X-Digest-Signature` | HMAC-SHA256 signature  |

The signature is computed as:

```
signature = HMAC-SHA256(api_secret_key, path + timestamp + method + body)
```

<Note>
  The timestamp must be within 5 minutes of the server time, or the request will be rejected.
</Note>

## 2. Create a payment

```bash theme={null}
curl -X POST https://test-merchant.ebioro.com/payments \
  -H "Content-Type: application/json" \
  -H "X-Digest-Key: pk_test_YOUR_PUBLIC_KEY" \
  -H "X-Digest-Timestamp: 1714067192" \
  -H "X-Digest-Signature: YOUR_COMPUTED_SIGNATURE" \
  -d '{
    "amount": {
      "value": 1000,
      "currency": "USD"
    },
    "description": "Order #1234",
    "redirectUrl": "https://yoursite.com/success",
    "webhookUrl": "https://yoursite.com/webhook"
  }'
```

The response includes:

* `checkout_id` — unique payment identifier
* `hostedUrl` — redirect the customer here for the payment widget
* `qrCode` — SEP-7 URI for wallet-based payments
* `settlement_amount` — amount in USDC smallest unit (cents)

## 3. Customer pays

Either redirect the customer to `hostedUrl`, or use the API directly:

* **Stellar direct**: Customer sends USDC to the payment address with the checkout memo
* **Cross-chain**: Use the [cross-chain endpoints](/concepts/cross-chain) to get a deposit address on the customer's preferred chain

## 4. Receive the webhook

When the payment settles, you'll receive a POST to your `webhookUrl`:

```json theme={null}
{
  "data": {
    "type": "transaction_updated",
    "id": "pt_ABC123",
    "status": "paid",
    "settlement_status": "paid",
    "settlement_amount": 1000,
    "settlement_currency": "USDC",
    "amount_paid": 1000
  }
}
```

Verify the webhook signature using the `X-WEBHOOK-AUTH` header:

```
expected = HMAC-SHA256(api_secret_key, JSON.stringify(body))
```

## Next steps

<CardGroup cols={2}>
  <Card title="Authentication" icon="lock" href="/authentication">
    Full authentication guide with code examples
  </Card>

  <Card title="Cross-Chain Payments" icon="shuffle" href="/concepts/cross-chain">
    Accept payments from Solana, Ethereum, Base, and more
  </Card>
</CardGroup>