> ## Documentation Index > Fetch the complete documentation index at: https://docs.mag3nt.com/llms.txt > Use this file to discover all available pages before exploring further. # Settle a pay link payment > Universal settlement for both humans and agents. Mode is detected from the body: `tx_hash` (+ optional `protocol`) settles an on-chain wallet or external-protocol payment (verified on-chain before crediting); `protocol` + `payer_card_id` + `payer_card_token` settles an internal platform card-to-card protocol payment. The destination (merchant treasury vs. on-chain holder) and pricing gate follow the same DIRECT/CUSTODIAL rules as prepare; the settled settlement_mode is delivered on the `payment.settled` webhook, not in this response. ## OpenAPI ````yaml /openapi.yaml post /api/pay/{code}/settle openapi: 3.1.0 info: title: mag3nt API version: '2026-07-16' description: > Payment infrastructure for AI agents. Issue virtual cards backed by credentials, pay for API access via x402/AP2/MPP protocols, and settle in USDC on Base. Also covers Native Token Rails membership and recurring billing agreements, ERC-20 project token registration (including B20) and prepaid MAG3NT fee metering for DIRECT (non-custodial) settlement, the credential marketplace and Credential Token (CT) markets, account-wide token holdings, and signed webhooks for payment and subscription lifecycle events. contact: name: mag3nt url: https://mag3nt.com license: name: Proprietary url: https://github.com/mag3nt-com/mag3nt-node/blob/main/LICENSE servers: - url: https://mag3nt.com description: Production - url: https://staging.mag3nt.com description: Staging, Base mainnet security: - ApiKeyAuth: [] tags: - name: Payments description: Universal outbound protocol payments - name: Cards description: Virtual payment card lifecycle - name: Keys description: Developer API key management - name: Funding description: Treasury deposits and balances - name: x402 description: HTTP 402 payment protocol - name: AP2 description: Agent-to-Agent Payment Protocol - name: MPP description: Micropayment Protocol with streaming - name: Pay Links description: Shareable payment URLs - name: Withdrawals description: Withdraw unspent funds back to wallet - name: Settlement description: On-chain settlement status - name: Webhooks description: Signed payment and subscription lifecycle notifications for sellers - name: Status description: System health and configuration - name: Membership description: Native Token Rails membership tiers, checkout, and auto-renew - name: Billing description: Recurring billing agreements funded by AP2 open mandates - name: Tokens description: >- Register an ERC-20 contract (including B20 tokens) for DIRECT credential settlement - name: Fees description: Prepaid MAG3NT fee meter for DIRECT settlement overage - name: Marketplace description: >- List and transfer credential businesses (proof of record) on the mag3nt marketplace - name: Credential Tokens description: Credential Token (CT) launch and Uniswap V4 markets - name: Holdings description: Account-wide Credential Token balances externalDocs: description: mag3nt documentation url: https://docs.mag3nt.com paths: /api/pay/{code}/settle: post: tags: - Pay Links summary: Settle a pay link payment description: > Universal settlement for both humans and agents. Mode is detected from the body: `tx_hash` (+ optional `protocol`) settles an on-chain wallet or external-protocol payment (verified on-chain before crediting); `protocol` + `payer_card_id` + `payer_card_token` settles an internal platform card-to-card protocol payment. The destination (merchant treasury vs. on-chain holder) and pricing gate follow the same DIRECT/CUSTODIAL rules as prepare; the settled settlement_mode is delivered on the `payment.settled` webhook, not in this response. operationId: payLinksSettle parameters: - name: code in: path required: true schema: type: string requestBody: required: true content: application/json: schema: oneOf: - type: object description: Internal protocol mode (platform card pays a pay link). required: - protocol - payer_card_id - payer_card_token properties: protocol: type: string enum: - x402 - ap2 - mpp payer_card_id: type: string payer_card_token: type: string idempotency_key: type: string - type: object description: >- Wallet or external-protocol mode (on-chain payment, verified before crediting). required: - tx_hash - from_address properties: tx_hash: type: string from_address: type: string protocol: type: string enum: - x402 - ap2 - mpp description: >- Defaults to x402 when omitted for a plain wallet transfer. amount: type: - number - string description: >- Required for an open-amount link; ignored for a fixed-amount link. responses: '200': description: Settlement processed (or already settled on idempotent replay) content: application/json: schema: type: object properties: status: type: string enum: - SETTLED - ALREADY_SETTLED settlement_id: type: string amount: type: - number - string fee: type: - number - string net_amount: type: - number - string tx_hash: type: string mode: type: string enum: - external_protocol - protocol protocol: type: string enum: - x402 - ap2 - mpp receipt_id: type: string '400': description: >- Invalid amount, missing from_address, unaccepted protocol, or on-chain verification failed content: application/json: schema: type: object properties: error: type: string status: type: string example: REJECTED '401': description: Invalid payer card token content: application/json: schema: $ref: '#/components/schemas/Error' '404': description: Card or link not found content: application/json: schema: $ref: '#/components/schemas/Error' '429': description: Too many settlement attempts from this IP - retry after a minute content: application/json: schema: $ref: '#/components/schemas/Error' '502': description: Failed to verify the on-chain transaction - retry content: application/json: schema: type: object properties: error: type: string status: type: string example: REJECTED '503': description: >- Settlement is paused for maintenance, DIRECT holder not ready, or on-chain verification is unavailable (no RPC configured) content: application/json: schema: type: object properties: error: type: string status: type: string code: type: string security: [] components: schemas: Error: type: object required: - error properties: error: type: string example: Card not found securitySchemes: ApiKeyAuth: type: apiKey in: header name: Authorization description: API key prefixed with 'Bearer sx_live_...' ````