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

# Accelebit: Payment Gateway API for Merchants

> Accelebit is a server-to-server payment gateway that gives merchants one REST API for card payments, smart provider routing, 3DS, and webhooks.

Accelebit is a server-to-server payment gateway that gives your business a single integration point for processing card payments. You call one API and Accelebit handles provider routing, failover, 3D Secure authentication, and webhook delivery — so you can focus on building your product, not managing payment providers.

<CardGroup cols={2}>
  <Card title="Quick Start" icon="rocket" href="/quickstart">
    Make your first test payment in under 5 minutes.
  </Card>

  <Card title="Authentication" icon="key" href="/authentication">
    Get your API keys and authenticate requests securely.
  </Card>

  <Card title="API Reference" icon="book" href="/api-reference/payments/create">
    Explore the full payment, refund, and customer APIs.
  </Card>

  <Card title="Webhooks" icon="bell" href="/webhooks/overview">
    Receive real-time notifications for payment events.
  </Card>
</CardGroup>

## What Accelebit does

When you send a payment request to Accelebit, the gateway selects the best available upstream provider based on currency support, success rates, and current health. You never change your integration when providers change — Accelebit handles it.

<CardGroup cols={2}>
  <Card title="Smart Routing" icon="route">
    Transactions route to the optimal provider automatically based on currency, success rates, and health.
  </Card>

  <Card title="3D Secure" icon="shield-halved">
    Unified 3DS handling across all providers. The API surfaces redirect URLs and challenge data in a consistent format.
  </Card>

  <Card title="Idempotency" icon="arrows-rotate">
    Every mutating endpoint supports idempotency keys so you can retry safely without double-charging.
  </Card>

  <Card title="Stored Cards" icon="credit-card">
    Tokenize cards for returning customers and charge them by ID on subsequent payments.
  </Card>
</CardGroup>

## How a payment works

<Steps>
  <Step title="Send a payment request">
    Your backend calls `POST /v1/payments` with card details, billing info, and the amount.
  </Step>

  <Step title="Accelebit routes the transaction">
    Accelebit selects the optimal upstream provider and processes the payment.
  </Step>

  <Step title="Handle 3D Secure if required">
    If the response includes `threeDsRequired: true`, redirect your customer to the URL in `threeDsData` to complete the challenge.
  </Step>

  <Step title="Receive the webhook">
    Once the payment completes, Accelebit sends a `payment.captured` or `payment.failed` event to your webhook endpoint.
  </Step>
</Steps>

## Server-to-server only

<Warning>
  Accelebit is a server-to-server API. Card details travel from your backend to our API over HTTPS. Never send card data from a browser or mobile app directly to Accelebit — you are responsible for PCI compliance on your end.
</Warning>

## Base URL

All API requests go to:

```
https://api.gateway.accelebit.com
```