# Alternative Payments Payments & Payouts

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- **Type:** Skill
- **Install:** `agentstack add skill-wyre-ai-msp-claude-plugins-payments`
- **Verified:** Yes — security-reviewed for prompt injection and unsafe behavior
- **Seller:** [WYRE-AI](https://agentstack.voostack.com/s/wyre-ai)
- **Installs:** 0
- **Category:** [Finance & Payments](https://agentstack.voostack.com/c/finance-and-payments)
- **Latest version:** 0.1.0
- **License:** Apache-2.0
- **Upstream author:** [WYRE-AI](https://github.com/WYRE-AI)
- **Source:** https://github.com/WYRE-AI/msp-claude-plugins/tree/main/msp-claude-plugins/alternative-payments/alternative-payments/skills/payments
- **Website:** https://mcp.wyre.ai/getting-started/

## Install

```sh
agentstack add skill-wyre-ai-msp-claude-plugins-payments
```

Requires the [AgentStack CLI](https://agentstack.voostack.com/docs/cli). Works with Claude Code, Cursor, and any MCP-compatible agent.

## About

# Alternative Payments Payments & Payouts

## Overview

This skill covers the **read-only** money-visibility surface in Alternative
Payments: transactions (individual payment records) and payouts (settled batches
of funds deposited to your account). It is used for reporting and
reconciliation — matching transactions to invoices and customers, and tracing
which transactions make up a given payout.

There is **no create-payment tool here.** This integration never charges a card
or moves money (`POST /payments`, the direct charge, is excluded by design). To
collect from a customer, generate a hosted payment link or payment request — see
[Alternative Payments Invoicing](../invoicing/SKILL.md).

## Anti-triggers

- **Collecting money rather than reporting on it** — this surface is
  read-only; hosted payment links and payment requests are
  `alternative-payments-invoicing`.
- **Recording a receipt against an invoice in the books** — use
  `xero-payments` or `qbo-payments`.
- **A payment captured against a Quote Manager sales order** — use
  `kaseya-quote-manager-quotes`.

## Core Concepts

### Transactions

A transaction is a single payment event against an invoice or payment request.
Note that the transactions resource lives at `GET /payments` — but only the
read (list/get) verbs are exposed.

| Field | Type | Description |
|-------|------|-------------|
| `id` | string | Transaction identifier |
| `type` | string | Transaction type (e.g. `payment`, `refund`) |
| `status` | string | `succeeded`, `pending`, `failed`, `declined` |
| `amount` | number | Transaction amount |
| `currency` | string | ISO currency code |
| `customer_id` | string | Customer the transaction belongs to |
| `invoice_id` | string | Invoice the transaction settled (if any) |
| `payment_method` | string | `card` or `standard_ach` |
| `payout_id` | string | Payout this transaction settled into (if settled) |
| `created_at` | datetime | When the transaction occurred |

### Payouts

A payout is a batch of funds Alternative Payments deposits to your bank account.
Each payout aggregates many settled transactions — reconciling a payout means
listing its transactions and matching them back to invoices and customers.

| Field | Type | Description |
|-------|------|-------------|
| `id` | string | Payout identifier |
| `amount` | number | Total payout amount deposited |
| `currency` | string | ISO currency code |
| `status` | string | `pending`, `paid`, `failed` |
| `arrival_date` | datetime | Expected/actual deposit date |
| `created_at` | datetime | When the payout was created |

## API Patterns

All requests carry a bearer token (`Authorization: Bearer `). See
[Alternative Payments API Patterns](../api-patterns/SKILL.md) for the OAuth2 token
flow, the 5 req/sec rate limit, and cursor pagination.

### List Transactions (with Filters)

`GET /payments` lists transactions. Supported filters:

| Filter | Values / Format | Purpose |
|--------|-----------------|---------|
| `type` | e.g. `payment`, `refund` | Filter by transaction type |
| `status` | `succeeded`, `pending`, `failed`, `declined` | Filter by outcome |
| `customer_id` | customer id | Transactions for one customer |
| `invoice_id` | invoice id | Transactions settling one invoice |
| `payment_method` | `card` or `standard_ach` | Filter by method |
| `created_at_start` | `YYYY-MM-DD` | Start of date range |
| `created_at_end` | `YYYY-MM-DD` | End of date range |
| `cursor` | cursor string | Pagination (with `limit`) |

```bash
# Failed and declined card transactions in June 2026
curl -s "https://public-api.alternativepayments.io/payments?status=failed&payment_method=card&created_at_start=2026-06-01&created_at_end=2026-06-30&limit=100" \
  -H "Authorization: Bearer ${TOKEN}"

# All transactions for one customer
curl -s "https://public-api.alternativepayments.io/payments?customer_id=${CUSTOMER_ID}&limit=100" \
  -H "Authorization: Bearer ${TOKEN}"

# Transactions that settled a specific invoice
curl -s "https://public-api.alternativepayments.io/payments?invoice_id=${INVOICE_ID}" \
  -H "Authorization: Bearer ${TOKEN}"
```

Responses are cursor-paginated — items in `data[]`, with `next_cursor` /
`has_more`. Pass `cursor=` to fetch the next page.

### Get a Single Transaction

```bash
curl -s "https://public-api.alternativepayments.io/payments/${TRANSACTION_ID}" \
  -H "Authorization: Bearer ${TOKEN}"
```

### List Payouts

```bash
curl -s "https://public-api.alternativepayments.io/payouts?limit=100" \
  -H "Authorization: Bearer ${TOKEN}"
```

### Get a Single Payout

```bash
curl -s "https://public-api.alternativepayments.io/payouts/${PAYOUT_ID}" \
  -H "Authorization: Bearer ${TOKEN}"
```

### List a Payout's Transactions (Reconciliation)

```bash
curl -s "https://public-api.alternativepayments.io/payouts/${PAYOUT_ID}/transactions?limit=100" \
  -H "Authorization: Bearer ${TOKEN}"
```

### JavaScript Example — Reconcile a Payout

```javascript
async function reconcilePayout(token, payoutId) {
  const base = 'https://public-api.alternativepayments.io';
  const headers = { 'Authorization': `Bearer ${token}` };

  const payout = JSON.parse(
    await (await fetch(`${base}/payouts/${payoutId}`, { headers })).text()
  );

  // Pull every transaction in the payout (cursor pagination).
  const txns = [];
  let cursor;
  do {
    const url = new URL(`${base}/payouts/${payoutId}/transactions`);
    url.searchParams.set('limit', '100');
    if (cursor) url.searchParams.set('cursor', cursor);
    const body = JSON.parse(await (await fetch(url, { headers })).text());
    txns.push(...(body.data ?? []));
    cursor = body.has_more ? body.next_cursor : undefined;
  } while (cursor);

  const sum = txns.reduce((t, x) => t + x.amount, 0);
  return {
    payout,
    transactionCount: txns.length,
    transactionTotal: sum,
    reconciles: Math.abs(sum - payout.amount)  Excluded by design: `POST /payments` (direct charge). Money movement is out of scope.

## Related Skills

- [Alternative Payments API Patterns](../api-patterns/SKILL.md) - Auth, pagination, rate limits
- [Alternative Payments Customers](../customers/SKILL.md) - Customers and their users
- [Alternative Payments Invoicing](../invoicing/SKILL.md) - Invoices and hosted payment requests

## Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

- **Author:** [WYRE-AI](https://github.com/WYRE-AI)
- **Source:** [WYRE-AI/msp-claude-plugins](https://github.com/WYRE-AI/msp-claude-plugins)
- **License:** Apache-2.0
- **Homepage:** https://mcp.wyre.ai/getting-started/

Install and usage instructions live in the source repository linked above.

## Pricing

- **Free** — Free

## Security capabilities

Automated source analysis of v0.1.0 — what this tool can access:

- **Network access:** yes
- **Filesystem access:** no
- **Shell / process execution:** no
- **Environment & secrets:** no
- **Dynamic code execution:** no

*"Yes" means the capability is present in the source — more access means more to trust, not that it is unsafe.*


## Versions

- **0.1.0** — security scan: passed — Imported from the upstream source.

## Links

- Listing page: https://agentstack.voostack.com/l/skill-wyre-ai-msp-claude-plugins-payments
- Seller: https://agentstack.voostack.com/s/wyre-ai
- Browse the marketplace: https://agentstack.voostack.com/browse

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Listed on AgentStack — the marketplace for AI agent skills and MCP servers. Every listing is security-reviewed. Creators keep 70%.