---
title: "Start Payment Flow"
method: POST
path: "/api/payments/start"
tags: ["Credits - Admin"]
---

# Start Payment Flow

`POST /api/payments/start`

Initiates a payment transaction with SIBS (MB WAY or Multibanco) to top-up credits.
In company billing mode, the payment is stored against the anchor PV so the
SIBS webhook automatically credits the correct PV.

Uses `current_user["idpointofsale"]` so impersonation top-ups go to the
impersonated company's PV.

## Headers

- `x-api-token` string, nullable

## Request body

- PaymentStartPayload
  - `amount` integer, required — Amount to pay in EUR (integer).
  - `method` 'MBWAY' | 'REFERENCE', required
  - `phone` string, nullable — Required for MBWAY payments.

## Response `200`

Successful Response

- unknown

## Other responses

- `422` — Validation Error

---

[API](https://skmtc.dev/multigest/apis/multigest-protected-api.md) · [All operations](https://skmtc.dev/multigest/apis/multigest-protected-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/multigest/multigest-protected-api/revisions/4b44eb76b3ee/schema)