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Payable collects overdue and upcoming payments for you: it messages your customers on WhatsApp, e-mail and SMS, can call them with an AI voice agent, and gives them a PIX link to pay. This API lets you drive all of that from your own software.

Quickstart

Create a client, a debt and a simulated payment in 5 minutes. No real messages, no cost.

Core concepts

Clients, debts, the collection flow (régua) and payments, in one page.

Webhooks

Get notified when a debt is paid, a message is delivered or a call ends.

API reference

Every endpoint, request body and response, generated from the code.

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What you can do

  • Create clients and debts (one-off or recurring) programmatically
  • Start automated collection over WhatsApp, e-mail and SMS
  • Generate PIX payment links and track payments
  • Place AI collection calls by phone or WhatsApp
  • Receive signed webhooks for payments, messages and calls

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Base URL

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Authentication in one line

Send an API key as a Bearer token. Keys starting with esk_test_ run in a free sandbox; esk_live_ keys run in production.
See Authentication for scopes, idempotency and rate limits.

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Where to go next

  1. Follow the Quickstart with a test key.
  2. Read Core concepts to understand how the pieces fit.
  3. Register a webhook and read Errors before going live.