# BFinance

> BFinance Business documentation

## Docs

- [Authorization](https://docs.bfinance.app/api-integration/en/authorization.md)
- [Billable requests](https://docs.bfinance.app/api-integration/en/billable-requests.md)
- [Error handling](https://docs.bfinance.app/api-integration/en/error-handling.md)
- [Idempotency Key](https://docs.bfinance.app/api-integration/en/idempotency-key.md)
- [Rate limits](https://docs.bfinance.app/api-integration/en/rate-limits.md)
- [Golang](https://docs.bfinance.app/api-integration/en/sdk/golang.md)
- [JS](https://docs.bfinance.app/api-integration/en/sdk/js.md)
- [Python](https://docs.bfinance.app/api-integration/en/sdk/python.md)
- [Security](https://docs.bfinance.app/api-integration/en/security.md)
- [Webhooks](https://docs.bfinance.app/api-integration/en/webhooks.md): How to receive webhook events reliably in your integration environment.
- [Invoices](https://docs.bfinance.app/documentation/en/back-office/billing/invoices.md): Find, filter, and download invoices in the Back Office Billing section.
- [Just-In-Time Provisioning](https://docs.bfinance.app/documentation/en/back-office/organization/just-in-time-jit-provisioning.md): Automatically create Back Office users and assign roles on first login.
- [Role-Based Access Control](https://docs.bfinance.app/documentation/en/back-office/organization/role-based-access-control.md): Roles and permissions used in the Back Office.
- [Budget cards](https://docs.bfinance.app/documentation/en/budgets/budget-cards.md): How budget cards work, what can block spend, and how to manage a budget card lifecycle.
- [Overview](https://docs.bfinance.app/documentation/en/budgets/overview.md): How budgets work, when to use them, and how they connect to budget cards.
- [Digital wallets](https://docs.bfinance.app/documentation/en/card-art/digital-wallets.md): Design requirements for tokenized cards in Apple Pay and Google Wallet.
- [Physical cards](https://docs.bfinance.app/documentation/en/card-art/physical-cards.md): Card program options, timelines, and physical card design resources.
- [Introduction](https://docs.bfinance.app/documentation/en/cards/bfinance-managed-authorization/introduction-2.md): How BFinance-managed authorization works and when to use it.
- [Topups and withdrawals](https://docs.bfinance.app/documentation/en/cards/bfinance-managed-authorization/topups-and-withdrawals.md): How to add or withdraw funds while keeping balances consistent.
- [Card transactions](https://docs.bfinance.app/documentation/en/cards/card-transactions.md): How to show card activity, handle reversals and refunds, and reconcile with webhooks.
- [Changing card status](https://docs.bfinance.app/documentation/en/cards/changing-card-status.md): Freeze, unfreeze, or delete a card and understand the impact.
- [Chargeback lifecycle](https://docs.bfinance.app/documentation/en/cards/chargeback-lifecycle.md): What happens after a dispute is submitted: stages, timelines, and what evidence to prepare.
- [Creating a dispute](https://docs.bfinance.app/documentation/en/cards/creating-a-dispute.md): How to submit evidence, track progress, and understand dispute outcomes.
- [Issuing a card](https://docs.bfinance.app/documentation/en/cards/issuing-a-card.md): End-to-end flow for issuing a card, from prerequisites to post-issuance operations.
- [Authorization Flow](https://docs.bfinance.app/documentation/en/cards/partner-managed-authorization/authorization-flow.md): How partner-managed authorization works end-to-end.
- [Authorization Webhook](https://docs.bfinance.app/documentation/en/cards/partner-managed-authorization/authorization-webhook.md): Request payload and expected response for real-time authorization decisions.
- [Introduction](https://docs.bfinance.app/documentation/en/cards/partner-managed-authorization/introduction-1.md): How partner-managed authorization works and when to use it.
- [Transaction Scenarios](https://docs.bfinance.app/documentation/en/cards/partner-managed-authorization/transactions-scenarios.md): Examples of authorization and clearing sequences and the webhooks you receive.
- [Retrieving sensitive card data](https://docs.bfinance.app/documentation/en/cards/retrieving-sensitive-card-data.md): How to retrieve PAN/CVC/expiry safely and reduce the risk of leaks.
- [Setting spending limits](https://docs.bfinance.app/documentation/en/cards/setting-spending-limits.md): How to configure card spending limits (velocity limits) and communicate them to users.
- [Setting up the PIN code](https://docs.bfinance.app/documentation/en/cards/setting-up-the-pin-code.md): PIN rules and UX guidance for creating and changing a card PIN.
- [Common card issues](https://docs.bfinance.app/documentation/en/cards/support-playbook.md): Support playbook to diagnose why a card doesn’t work.
- [Customer onboarding](https://docs.bfinance.app/documentation/en/customers/creating-a-customer.md): Understand the end-to-end flow: collect user data, complete verification, then enable product access.
- [Sumsub](https://docs.bfinance.app/documentation/en/customers/integrations/sumsub.md): Reusable KYC token sharing and how to connect your Sumsub project to BFinance.
- [Sumsub settings](https://docs.bfinance.app/documentation/en/customers/integrations/sumsub-settings.md): Recommended Sumsub configuration to align verification results with BFinance.
- [Verification and statuses](https://docs.bfinance.app/documentation/en/customers/onboarding-verification.md): How verification progresses, what statuses mean, and how to handle rejections.
- [What to collect from the user](https://docs.bfinance.app/documentation/en/customers/onboarding-what-to-collect.md): A plain-language checklist of user data and documents needed for onboarding.
- [Requesting access to the product](https://docs.bfinance.app/documentation/en/customers/requesting-access-to-the-product.md): Enable cards or virtual accounts for a verified customer.
- [Customer onboarding](https://docs.bfinance.app/documentation/en/customers/support-playbook.md): Support playbook for verification delays, rejections, and missing information.
- [Updating a customer](https://docs.bfinance.app/documentation/en/customers/updating-a-customer.md): How updates affect verification and what to communicate to your users.
- [Introduction](https://docs.bfinance.app/documentation/en/introduction.md)
- [AML Policy](https://docs.bfinance.app/documentation/en/legal/aml-policy.md): BFinance AML policy (PDF).
- [Apple Pay](https://docs.bfinance.app/documentation/en/legal/apple-pay.md): Operational and compliance requirements for Apple Pay via BFinance.
- [KYC](https://docs.bfinance.app/documentation/en/legal/kyc.md): Minimum KYC requirements and verification standards for partners.
- [Marketing](https://docs.bfinance.app/documentation/en/legal/marketing.md): Card network guidelines for marketing materials and card imagery.
- [Privacy Policy](https://docs.bfinance.app/documentation/en/legal/privacy-policy.md): BFinance privacy policy (PDF).
- [Trust center](https://docs.bfinance.app/documentation/en/legal/trust-center.md): Security, compliance, and reliability information for BFinance.
- [Start here](https://docs.bfinance.app/documentation/en/start-here.md)
- [Integration guide](https://docs.bfinance.app/documentation/en/travel-services/airport-services/integration-2.md): Search airport services for a flight and place an order.
- [Integration guide](https://docs.bfinance.app/documentation/en/travel-services/esim/integration-1.md): Browse coverage, purchase an eSIM plan, and show installation details.
- [Travel services](https://docs.bfinance.app/documentation/en/travel-services/general-information.md): Overview of lounges, airport services, and eSIM travel benefits.
- [Integration guide](https://docs.bfinance.app/documentation/en/travel-services/lounges/integration.md): Show lounge offers, create an order, and display the access code.
- [Refunds](https://docs.bfinance.app/documentation/en/travel-services/lounges/refunds.md): When lounge refunds are possible and how to request one.
- [Billing](https://docs.bfinance.app/documentation/en/virtual-accounts/billing.md): Invoice cadence, payment methods, and support contacts.
- [Creating new account](https://docs.bfinance.app/documentation/en/virtual-accounts/creating-new-account.md): Create a virtual account and understand what the end user receives.
- [Requesting access](https://docs.bfinance.app/documentation/en/virtual-accounts/requesting-access.md): Enable virtual accounts for a verified customer and track the outcome.
- [Supported currencies & details](https://docs.bfinance.app/documentation/en/virtual-accounts/supported-currencies.md): Supported virtual account rails and practical limits by currency.
- [Webhooks](https://docs.bfinance.app/documentation/en/virtual-accounts/webhooks.md): Statuses and field equivalents for inbound and outbound payment events.
- [Home](https://docs.bfinance.app/home/en/index.md)
- [Available BINs](https://docs.bfinance.app/references/en/cards/available-bins.md)
- [Chargeback Reason Codes](https://docs.bfinance.app/references/en/cards/chargeback-reason-codes.md)
- [Decline Reasons](https://docs.bfinance.app/references/en/cards/decline-reasons.md)
- [Restricted countries](https://docs.bfinance.app/references/en/cards/gb-cards/restricted-countries-2.md)
- [Restricted currencies](https://docs.bfinance.app/references/en/cards/gb-cards/restricted-currencies.md)
- [Restricted MCCs](https://docs.bfinance.app/references/en/cards/gb-cards/restricted-mccs.md)
- [Transaction limits](https://docs.bfinance.app/references/en/cards/gb-cards/transaction-limits.md)
- [Restricted countries](https://docs.bfinance.app/references/en/cards/hk-cards/restrcited-countries.md)
- [Restrcited merchants](https://docs.bfinance.app/references/en/cards/hk-cards/restrcited-merchants.md)
- [Restricted MCCs](https://docs.bfinance.app/references/en/cards/hk-cards/restricted-mccs-2.md)
- [Transaction limits](https://docs.bfinance.app/references/en/cards/hk-cards/transaction-limits.md)
- [Restricted countries](https://docs.bfinance.app/references/en/cards/us-cards/restricted-countries.md)
- [Restricted MCCs](https://docs.bfinance.app/references/en/cards/us-cards/restricted-mccs-1.md)
- [Transaction limits](https://docs.bfinance.app/references/en/cards/us-cards/transaction-limits.md)
- [Customer statuses](https://docs.bfinance.app/references/en/customers/customer-statuses.md)
- [Product access rejection reasons](https://docs.bfinance.app/references/en/customers/product-access-rejection-reasons.md): Reason codes you may see when a product access request is rejected.
- [Product questionnaires](https://docs.bfinance.app/references/en/customers/product-questionnaires.md): Which access features require a completed compliance questionnaire.
- [Rejection reasons](https://docs.bfinance.app/references/en/customers/rejection-reasons.md): Reason codes you may see when verification is rejected.
- [Required customer data](https://docs.bfinance.app/references/en/customers/required-customer-data.md): Minimum verification level and allowed verification model per product.
- [Holidays](https://docs.bfinance.app/references/en/virtual-accounts/holidays.md)
- [Processing windows and cutoff times](https://docs.bfinance.app/references/en/virtual-accounts/processing-windows-and-cutoff-times.md)
- [SEPA Zone](https://docs.bfinance.app/references/en/virtual-accounts/sepa-zone.md)

## OpenAPI Specs

- [webhooks](https://docs.bfinance.app/openapi/webhooks.json)
- [openapi-2](https://docs.bfinance.app/openapi/openapi-2.json)
- [openapi](https://docs.bfinance.app/openapi/openapi.json)