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Everything you need to build, test and certify an integration with the A2A InstaPay Tenant API.
A2A InstaPay gives your customers a Digital Account they fund from their own bank and use to pay merchants instantly over the RTP network. As a Tenant, you build the experience in your own app; A2A InstaPay provides the accounts, the money movement, the compliance checks and the secure screens where customers confirm. A2A InstaPay is a product of Fintechnology Asia Pacific Lanka Ltd, licensed to FINAP USA LLC.
This sandbox runs the complete Tenant API v1.1. Money, banks and identity checks are simulated, so you can build and test every path, including the failures, before you go live.
Start here#
| If you want to | Read |
|---|---|
| Make your first call in a few minutes | Get started |
| Understand how the pieces fit | Core concepts |
| Onboard consumers and merchants | Customers and onboarding |
| Move money | Bank linking and Money movement |
| Add A2A InstaPay to a web app | Hosted screens and the web SDK |
| Keep your records in step | Webhooks |
| Test every outcome | Testing in the sandbox and Test data |
| Prepare for production | Going live |
What you build, and what A2A InstaPay provides#
| Your side (the Tenant) | A2A InstaPay |
|---|---|
| Your app and its user experience | Digital Accounts for consumers and merchants, held in an FBO structure at the Sponsor Bank |
| Your server, which calls the Tenant API | Identity, business and sanctions checks, and the compliance program |
| Your customer relationship and support | Hosted screens for onboarding and for confirming money movement with a PIN or passkey |
| Your webhook endpoint | Bank linking through Plaid, Requests for Payment and credit transfers over RTP, the ledger, statements and reconciliation |
Two kinds of customers#
- Consumers open a Digital Account, link their bank, add funds and pay merchants from their balance or directly from their bank.
- Merchants open a business Digital Account, take payments by QR code, refund customers, pay other merchants and withdraw to their business bank account.
Every guide covers both, and the demo app has a Customer app and a Business app.
Questions about this page? Contact developer support.