# Create Payment

```
POST 
/payments
```

Creates a new payment with the specified parameters.

You can create a payment in two ways:

1. **Immediate processing**: Provide a `paymentToken` or `paymentMethod` - The payment will be processed instantly
2. **Deferred processing**: Create without payment details - The payment remains in `PENDING` status until you confirm it later using the [confirm endpoint](https://docs.monei.com/apis/rest/payments-confirm/)

When creating a payment without payment details, you can redirect customers to the hosted payment page where they can select their preferred payment method and complete the transaction.

For immediate processing, use one of these token options:

* A temporary `paymentToken` generated on the frontend using [monei.js Components](https://docs.monei.com/monei-js/overview/)
* A permanent `paymentToken` from a previous successful payment (when `generatePaymentToken: true` was included)

Permanent tokens enable one-click checkout experiences for returning customers by allowing you to securely store and reuse payment details without requiring customers to re-enter their information.

## Request[​](#request "Direct link to request")

## Responses[​](#responses "Direct link to Responses")

* 200
* 400
* 401
* 404
* 422
* 500
* 503

A payment object

The request is incorrect or could not be processed

Unauthorized error. Please check your auth credentials

The specified resource was not found

The request was well-formed but could not be processed due to semantic errors

Unexpected server error

The service is temporarily unavailable