> For the complete documentation index, see [llms.txt](https://help.clickatell.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.clickatell.com/developers-documentation/applications/chat-2-pay-api.md).

# Chat 2 Pay API

Clickatell's Chat 2 Pay capability lets you send payment requests to end-users via an SMS or WhatsApp message. Clicking the URL embedded in the message opens a secure payment page where end-users can add a new or use a saved credit/debit card. This card is used to process their payments.

With the **Clickatell-hosted checkout page** and innovative **tokenization and customer profile** feature, Chat 2 Pay enables frictionless and secure in-channel, reply-based payments optimized for conversion and repeat purchases.

To use this API, Chat 2 Pay must be configured on your account first. During the setup process, an **API key** is generated. You will use this key to authenticate the API calls.

{% hint style="info" %}
**Learn more:**

* [Chat 2 Pay Product Information](https://www.clickatell.com/products/chat2pay/)
* [Chat 2 Pay User Guide](https://guides.clickatell.com/chat-2-pay-user-guide)
* [Chat 2 Pay FAQs](https://www.clickatell.com/help-center/chat-2-pay/)
  {% endhint %}


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