> ## Documentation Index
> Fetch the complete documentation index at: https://docs.beem.africa/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

> Receive mobile money payments from subscribers via a unified Bpay API.

The **Beem Payments Hub (Bpay)** enables you to receive and send payments from multiple mobile operators through a single unified API. You must provide your own existing billpay or merchant number for Beem to unify all integrations into one account and API.

<CardGroup cols={2}>
  <Card title="Collections">
    Receive payments initiated by subscribers. Bpay forwards transaction details to your callback endpoint.
  </Card>

  <Card title="Multi-network">
    Accept payments across supported mobile networks with one integration.
  </Card>
</CardGroup>

***

## Collections flow

```text theme={null}
Subscriber initiates payment
        │
        ▼
Mobile Network Operator
        │
        ▼
Beem Payments Hub (Bpay)
        │
        │ HTTP POST (JSON)
        ▼
Your callback URL
        │
        ▼
Your server accepts or rejects transaction
```

When a subscriber initiates a payment, Bpay forwards the transaction to your API endpoint. Your application returns a success or failure status to accept or reject the transaction. If you return `successful: false`, the transaction is declined with the mobile network and funds are refunded to the subscriber.

***

## What's in this section

* [Prerequisites](/guides/payments-collection/prerequisites) — account setup and product configuration
* [Authentication](/guides/payments-collection/authentication) — Basic Auth or access token
* [Callbacks](/guides/payments-collection/callbacks) — receive payment notifications
* [Check balance](/guides/payments-collection/check-balance) — retrieve your available Bpay balance
* [Bpay collection simulator](/api-reference/payments-collection/simulator) — test your callback without a live payment

***

## API surface

| Integration                                                       | Direction          | Description                                |
| ----------------------------------------------------------------- | ------------------ | ------------------------------------------ |
| [Payment callback](/guides/payments-collection/callbacks)         | Beem → your server | Collection transaction notifications       |
| [Check credit balance](/guides/payments-collection/check-balance) | Your server → Beem | Query Bpay balance (`app_name=BPAY`)       |
| [Bpay simulator](/api-reference/payments-collection/simulator)    | Testing tool       | Debug your callback without a live payment |