> Solana Developer Platform docs, served as Markdown. The [docs index](https://platform-beta.solana.com/docs.md) lists every page and [llms.txt](https://platform-beta.solana.com/docs/ai/llms.txt) the key ones; [SKILL.md](https://platform-beta.solana.com/SKILL.md) has the rules for building on SDP.

# End-to-end Payment Flow

Send a payment from wallet setup through settlement and reconciliation.

Follow one payment through its lifecycle:

1. **Create or pick the source wallet.** Create a custody wallet with [Set Up Wallets](/docs/guides/setup-wallets), or find one with `GET /v1/wallets`. Note its `id` (`cwlt_…`).
2. **Build the transfer.** Collect the destination address, token and amount, and check them before you send. See [Basic payment](/docs/payments/send-basic-payment).
3. **Send it.** Call `POST /v1/payments/transfers` with a new `Idempotency-Key`. SDP builds the transaction, has the source wallet's custody provider sign it, and submits it.
4. **Keep the identifiers.** Store the transfer `id` (`xfr_…`) and its `signature` with your own record.
5. **Wait for finality.** A successful request answers `finalized`. If it answers `processing`, read `GET /v1/payments/transfers/{transferId}` until it settles. See [Verifying a payment](/docs/payments/accept-verification).
6. **Reconcile.** Match the transfer to your ledger and update what your users see. See [Indexing and reconciliation](/docs/payments/accept-indexing).

The [Payments API reference](/docs/reference/api/payments) and [Wallets API reference](/docs/reference/api/wallets) have each endpoint's request and response.