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

# Introduction

> Developer-first financial infrastructure and payment APIs

# Welcome to Laiki Pay

LaikiPayprovides high-performance API infrastructure for modern businesses and fintechs. Build, scale, and automate digital financial products through a single unified integration.

<CardGroup cols={2}>
  <Card title="Authentication" icon="key" href="/authentication">
    Generate 15-minute Bearer access tokens and secure your requests.
  </Card>

  <Card title="IP Whitelisting" icon="shield-halved" href="/ip-whitelisting">
    Set up zero-trust IP restrictions for Sandbox and Production.
  </Card>

  <Card title="Virtual Cards API" icon="credit-card" href="/api-reference/cards/create">
    Issue programmable USD VISA cards, configure spend limits, and fund balances.
  </Card>

  <Card title="Webhooks" icon="webhook" href="/webhooks/overview">
    Listen to real-time events, transactions, and settlement notifications.
  </Card>
</CardGroup>

***

## Base URLs

The target environment is determined automatically by your API credentials during token generation:

| Environment | Base URL | Auth Mechanism |
| :- | :- | :- |
| **Production** | `https://api.laikipay.com/v1/merchant` | `Authorization: Bearer <accessToken>` (from `sk_live_...`) |
| **Sandbox** | `https://api.laikipay.com/v1/merchant` | `Authorization: Bearer <accessToken>` (from `sk_test_...`) |

<Note>
  All production requests must be made over **HTTPS**. HTTP requests in production are rejected.
</Note>


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