# CoverPay

> CoverPay is one checkout for Klarna, Affirm, Afterpay and Zip, smart-routed per order, with CoverPay's own pay-in-4 (0% APR, every 2 weeks) when no provider approves. The integration is Plaid-Link-shaped: server creates a link_token, the client opens Link, the server exchanges the public_token, webhooks confirm payment. Amounts are integer cents and always come from the link token, never from the client. Secret keys (cp_test_…, cp_live_…) are server-side only.

Base URL: https://api.coverpayme.com. Auth: `x-api-key` header. Sandbox uses test keys; no real money moves.

## Start here
- [Quickstart](https://coverpayme.com/llm/quickstart.md): the five-step flow with Node, Web, React and iOS code
- [OpenAPI spec](https://coverpayme.com/openapi.yaml): every server-side endpoint, request and response, plus webhook payload

## Reference
- [Link SDKs](https://coverpayme.com/llm/sdks.md): Web (`@coverpay/sdk`), React (`@coverpay/react`), iOS (`CoverPaySDK`)
- [Webhooks](https://coverpayme.com/llm/webhooks.md): events, payload, signature verification (X-CoverPay-Signature-V2), retries
- [Errors](https://coverpayme.com/llm/errors.md): HTTP status and `code` values and what to do
- [Sandbox testing](https://coverpayme.com/llm/sandbox.md): test cards, forcing provider declines, CoverPay plan collection

## Optional
- [Full docs in one file](https://coverpayme.com/llms-full.txt): all of the above concatenated
- [Human docs](https://coverpayme.com/docs)