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How decline categories work
Soft vs hard declines, issuer vs gateway, and what each implies for retries.
/support/kb/decline-categories
What is a network mandate?
Plain-English overview of Visa and Mastercard stored-credential rules.
/support/kb/network-mandates-explained
ACH return codes explained
R01 through R85 with what they mean and how to respond.
/support/kb/ach-return-codes
Stablecoin finality across chains
Confirmation requirements for USDC and USDT on Ethereum, Polygon, and Solana.
/support/kb/stablecoin-finality
Webhook not received — checklist
A symptom-by-symptom guide to webhooks that never arrive.
/support/kb/webhook-not-received
Card declined with code 05
"Do Not Honor" — what it means and what to do next.
/support/kb/card-declined-05
ACH return R01 — what to do
Insufficient funds: when to retry and when to stop.
/support/kb/ach-return-r01
Funding settlement delayed
Common causes for late deposits and where to check.
/support/kb/funding-delayed
Refund windows & rules
How long you have to refund, partial refund rules, and currency handling.
/support/kb/refund-policy
Dispute & chargeback timelines
Network deadlines for response, evidence, and arbitration.
/support/kb/dispute-timelines
Fee schedule details
How the standard tier is calculated, line by line.
/support/kb/fee-schedule
Data retention & export
How long records are kept and how to export your data.
/support/kb/data-retention
Change your business legal name
How to update your registered legal name post-onboarding.
/support/kb/change-legal-name
Add or remove a team member
Invite teammates, set roles, and revoke access.
/support/kb/add-team-member
Switch your funding bank account
Update where settlements are deposited.
/support/kb/switch-funding-bank
Close your account
What happens to balances, customers, and stored data.
/support/kb/close-account
Glossary of payments terms
A–Z definitions of every term used across APT Commerce.
/support/kb/glossary
Merchant getting started
From signup to first successful charge.
/guides/merchant-getting-started
Dashboard overview
KPIs, alerts, and where things live.
/guides/dashboard
Managing transactions
Captures, voids, refunds, and disputes.
/guides/transactions
Managing customers
Customer records and vaulted methods.
/guides/customers
Invoices & billing
Draft invoices for D1 customers. Send emails when Resend is keyed.
/guides/invoices
Payment links
One-time and reusable hosted checkout links.
/guides/payment-links
Subscriptions
Save a plan on a customer. Not a charge.
/guides/subscriptions
Reports & analytics
Decline analytics, mandate compliance, chargebacks.
/guides/reports
Settings
Payment methods, API keys, webhooks, team.
/guides/settings
Partner dashboard
Portfolio KPIs and operational signals.
/guides/partner-dashboard
Managing merchants
Inviting, onboarding, and supporting merchants.
/guides/partner-merchants
Partner reports
Aggregate processing and risk reporting.
/guides/partner-reports
Partner settings
Organization, processors, payouts, team.
/guides/partner-settings
Introduction
What APT Commerce is and how it fits together.
/docs/introduction
Quick start
First successful charge in five minutes.
/docs/quick-start
Authentication
API keys, scopes, and rotation.
/docs/authentication
Testing & sandbox
Sandbox cards and ACH accounts.
/docs/testing
API reference
All endpoints, request and response shapes.
/docs/api
Card payments
Auth, capture, void, refund for card transactions.
/docs/card-payments
ACH / bank transfer
NACHA debits and credits with returns and NOC.
/docs/ach-payments
Stablecoin payments
USDC and USDT on Ethereum, Polygon, and Solana.
/docs/stablecoin-payments
Payment links
Create reusable hosted checkout links via API.
/docs/payment-links
Customers
Customer records and vaulted payment methods.
/docs/customers
Invoices
Durable invoices in D1. Send is status only.
/docs/invoices
Subscriptions
Durable D1 rows. Create is not a charge.
/docs/subscriptions
Webhooks
Event delivery, signing, retries.
/docs/webhooks
SDKs & libraries
Official libraries and quickstart snippets.
/docs/sdks
Pagination
Cursor-based pagination conventions.
/docs/pagination
Error handling
HTTP status codes and error envelope.
/docs/errors
Rate limiting
Per-key request limits and headers.
/docs/rate-limiting
Network mandates
Visa and Mastercard mandate compliance.
/docs/network-mandates
Partner API
APIs for portfolio management and merchant onboarding.
/docs/partner-api
Partner onboarding
Inviting and provisioning merchants under your portfolio.
/docs/partner-onboarding
How do I sign up for an account?
Click Get started in the top nav.
/support/faq
How do I get an account approved faster?
Use a business email matching your domain and complete every field.
/support/faq
How do I rotate API keys?
Settings → API Keys → Generate new key.
/support/faq
How are webhooks signed?
HMAC-SHA256 in the Apt-Signature header.
/support/faq
What does APT cost?
Single Standard tier — see fee schedule.
/support/faq
How is sensitive PII protected?
Tax IDs and bank numbers are masked; unmasking requires step-up OTP.
/support/faq
Do partners see merchant transaction data?
No — partners see aggregates only.
/support/faq
Recent platform updates
New features, fixes, and notable improvements.
/changelog