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

# Introduction

> Accept cardless, instant bank payments with Handle

# Welcome to Handle Developer Docs

**Handle** is an Account-to-Account (A2A) payment orchestration rail and developer platform. It allows merchants, e-commerce stores, and in-person retail businesses to accept seamless payments directly from customer bank accounts with **zero cards, zero form filling, and zero SMS OTP drop-offs**.

```mermaid theme={null}
graph LR
    Customer["Customer Enters @handle"] --> Resolve["Handle Resolves Profile & Active Banks"]
    Resolve --> Push["In-App Push Prompt (FaceID)"]
    Push --> Debit["Instant Bank Debit (OnePipe)"]
    Debit --> Settle["Instant NIP Settlement (T+0)"]
```

## Why Build with Handle?

<CardGroup cols={2}>
  <Card title="Zero Cards & Zero Drop-Offs" icon="credit-card-slash">
    Customers pay directly from their linked Nigerian bank accounts using pre-authorized mandates.
  </Card>

  <Card title="Instant T+0 Settlement" icon="bolt">
    Funds are settled directly into your Nigerian bank account immediately upon payment confirmation.
  </Card>

  <Card title="Competitive Flat Pricing" icon="percent">
    Flat 2.0% transaction fee capped at ₦2,000 per successful payment.
  </Card>

  <Card title="SoftPOS & In-Store Ready" icon="mobile-screen">
    Accept payments in retail stores using dynamic QR codes or direct handle prompts on any phone.
  </Card>
</CardGroup>

## The 3-Step Checkout Handshake

1. **Resolve Handle (`POST /v1/charges/resolve-handle`):** Look up the customer's avatar and only bank accounts with active mandates.
2. **Dispatch Authorization (`POST /v1/charges/dispatch`):** Send a high-priority biometric push notification or generate a dynamic QR code.
3. **Instant Webhook (`charge.success`):** Receive cryptographic `HMAC-SHA512` webhooks and fulfill orders immediately.

<Card title="Next Steps: 5-Minute Quickstart" icon="rocket" href="/quickstart">
  Follow our step-by-step guide to make your first test payment in under 5 minutes.
</Card>