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

# S2S Payments overview

> Server-to-server payment endpoints, public-key authentication, and choosing between hosted checkout and direct card charge

S2S Payments lets you create, collect, and verify payments directly against Reeple's server-to-server API — as opposed to the client-side [checkout SDK](/index) covered elsewhere in these docs. Payment orders created through any of these endpoints share a common `reference` format (e.g. `PSH_7A1B2C3D4E`) that you use to track and verify them.

## Authentication

These endpoints send your dashboard **public key** (`pk_live_.../pk_test_...`) in a `public-key` header — not the secret-key `api-key` scheme used by the rest of this API reference. See [Authentication](/api-reference/authentication) for how the rest of the API differs.

```bash theme={null}
curl -X POST https://api-v3.reeple.ai/s2s/payments/initiate \
  -H "Content-Type: application/json" \
  -H "public-key: YOUR_PUBLIC_KEY" \
  -d '{ ... }'
```

## Choosing a flow

|                    | `/checkout`        | `/initiate` + `/charge`                       |
| ------------------ | ------------------ | --------------------------------------------- |
| Card data handling | Reeple-hosted page | Your server (requires AES-256-GCM encryption) |
| PCI scope          | Reduced            | Higher                                        |
| UX                 | Redirect to Reeple | Fully embedded                                |

* Use [Create a hosted checkout link](/api-reference/s2s-payments/create-checkout-link) when you want the fastest integration with reduced PCI scope — Reeple's hosted page handles card entry, OTP, and 3DS.
* Use [Initiate a payment order](/api-reference/s2s-payments/initiate-payment) followed by [Charge a card (S2S)](/api-reference/s2s-payments/charge-card) when you need a fully embedded card form and are prepared to encrypt card data yourself.

## Endpoints

| Method | Path                               | Description                                                                       |
| ------ | ---------------------------------- | --------------------------------------------------------------------------------- |
| `POST` | `/s2s/payments/initiate`           | [Create a payment order](/api-reference/s2s-payments/initiate-payment)            |
| `POST` | `/s2s/payments/checkout`           | [Create a hosted checkout link](/api-reference/s2s-payments/create-checkout-link) |
| `POST` | `/s2s/payments/charge`             | [Charge a card server-to-server](/api-reference/s2s-payments/charge-card)         |
| `GET`  | `/s2s/payments/verify/{reference}` | [Verify a payment order](/api-reference/s2s-payments/verify-payment)              |

## Supported currencies

S2S Payments supports the same 21 currencies as the rest of the API — see [Supported currencies](/currencies).