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

# Payments Overview

> Understand how customers, transactions, Pix, vouchers, cards, webhooks, and refunds fit together in Pagou v2.

Use this section to choose the right payment path before you implement endpoint details.

## Building blocks

| Capability   | Main surface                   | Use it for                                            |
| ------------ | ------------------------------ | ----------------------------------------------------- |
| Customers    | `/v2/customers`                | reusable buyer profiles                               |
| Transactions | `/v2/transactions`             | Pix, voucher, and card payment creation and retrieval |
| Refunds      | `/v2/transactions/{id}/refund` | full and partial reversals                            |
| Webhooks     | payment event delivery         | authoritative async status changes                    |

## Recommended choices

* Use Pix when you want the fastest collection path in Brazil.
* Use [Voucher payments](/payments/vouchers/accept-payments) for local cash, bank-transfer, boleto, and redirect payment options across supported countries.
* Use [Payment Element](/payments/cards/payment-element) for new card checkouts.
* Keep one canonical status map in [Transaction Statuses](/payments/transaction-statuses).
* Reconcile instead of guessing after network or worker failures.

## Common journeys

* Create a Pix payment, show QR code data, and fulfill on `transaction.paid`.
* Create a voucher payment, show the returned payment instructions, and reconcile when the customer pays through the selected local payment option.
* Create a card payment from a Payment Element token and handle `next_action` when 3DS is required.
* Issue refunds from your backend and wait for the resulting transaction status to settle.

## Read next

* [Customers](/payments/customers)
* [Accept Pix Payments](/payments/pix/accept-payments)
* [Accept Voucher Payments](/payments/vouchers/accept-payments)
* [Card Payments Overview](/payments/cards/overview)

## Runnable examples

See working, testable code for this flow in the [Payments examples](/examples/payments) — runnable in seven languages against the sandbox.