Introduction

This endpoint serves a dual purpose as it combines Create Contact and Submit Single Payment Endpoint. It creates a contact, possibly as an external contact, and simultaneously initiates a payment to that contact using the provided contact payload and payment details. If the contact is already registered in our system based on their email and/or banking details (whether as an internal or external user), the payment will be directed to the existing user account.

The main objective of this endpoint is to facilitate one-time payments to a contact's bank. If your intent is to establish a recurring payment arrangement with a contact, we strongly recommend using the single payment endpoint to initiate payments to the user's @handle.