Lists the Venmo or PayPal recipients this account has paid before, so you can resolve a name your human said ("send $20 to Jane") into the handle that GET /send-payment takes as its recipient_id. Free — only the payout itself is a paid action.

Two different ids are in play. Each entry's recipient_id is an opaque saved-entry id: pass it to POST and DELETE /payment-recipients. Its handle is the phone number or email you actually pay: pass that as recipient_id to GET /send-payment. Passing the saved-entry id to GET /send-payment does not send to the saved person.

Use total_sent and last_sent_timestamp to disambiguate similar names, and confirm with your human rather than guessing between two entries.

Requires a Bearer token from /auth or /get-card.