# Tilta

- [Introduction](https://docs.tilta.ai/docs/introduction.md): Tilta is an AI-native B2B accounts receivable API. Underwrite trade credit, offer payment terms, and finance, insure, and collect receivables.
- [Glossary](https://docs.tilta.ai/docs/glossary.md): Definitions for every user role, core API object, and abbreviation used across Tilta documentation, APIs, and platform interfaces.
- [Sandbox environment](https://docs.tilta.ai/docs/sandbox-environment.md): Tilta's sandbox mirrors the live environment exactly – test buyer onboarding, credit decisions, orders, and invoices without moving real money or data.
- [Integration approaches](https://docs.tilta.ai/docs/integration-approaches.md): Compare Tilta's integration methods – from no-code Checkout Links to the full REST API and the MCP server – and choose the right fit.
- [REST API](https://docs.tilta.ai/docs/integration-server-side.md): Integrate Tilta's full REST API. Build any UX you need with complete access to buyers, orders, invoices, and credit facilities.
- [Web Elements](https://docs.tilta.ai/docs/integration-web-elements.md): Embed Tilta's onboarding and payment flows directly in your app using Widgets and Modals – fast to implement, easy to brand, no back-end UI work needed.
- [MCP server](https://docs.tilta.ai/docs/integration-mcp.md): Connect Claude or any MCP client to your Tilta account. Underwrite buyers, submit invoices for financing, and query your receivables in natural language.
- [PHP SDK](https://docs.tilta.ai/docs/integration-php-sdk.md): Install Tilta's official PHP SDK via Composer to integrate buyer management, credit facilities, orders, and invoices into any PHP app.
- [Shopware 6 plugin](https://docs.tilta.ai/docs/integration-shopware-plugin.md): Install and configure the Tilta payment plugin for Shopware 6.4–6.6. Offer buyers deferred payment terms directly in your Shopware storefront.
- [Merchant onboarding](https://docs.tilta.ai/docs/merchant-onboarding.md): Learn when and how to onboard merchants onto Tilta, including entity types, required data, and implementation options for the supply side.
- [Buyer onboarding](https://docs.tilta.ai/docs/buyer-onboarding.md): Step-by-step guide to creating buyers, uploading transaction history, and requesting credit facilities with automated underwriting on Tilta.
- [Order handling](https://docs.tilta.ai/docs/order-handling.md): Complete guide to Tilta's order lifecycle – from authorization holds at checkout through invoice capture, cancellations, refunds, and dispute resolution.
- [Invoices](https://docs.tilta.ai/docs/invoices.md): Learn how to create invoices to trigger merchant payouts, manage refunds and credit notes, and request financial services on financed receivables.
- [Payment terms](https://docs.tilta.ai/docs/payment-terms.md): Overview of Tilta's available payment term ENUMs, how due dates are calculated from invoice capture, and supported payment methods for buyer repayment.
- [Fee configuration](https://docs.tilta.ai/docs/fee-configuration.md): Configure buyer and merchant fees on Tilta – flat and risk-based modes, worked calculation examples with VAT, and the calculate-fees endpoint.
- [Webhooks](https://docs.tilta.ai/docs/webhooks.md): Receive instant HTTP POST notifications for Tilta events. Register endpoints, verify HMAC-SHA256 signatures, and handle automatic retries reliably.
- [Webhook event reference](https://docs.tilta.ai/docs/webhook-events.md): Complete reference for every Tilta webhook event type – buyer, facility, order, and invoice – organized by resource with payload fields and JSON examples.
- [Buyer communication](https://docs.tilta.ai/docs/buyer-communication.md): Understand how Tilta sends white-labeled invoice emails to your buyers – cadence, tone escalation, localization, and configuration.
- [Email configuration](https://docs.tilta.ai/docs/email-configuration.md): Configure a custom sender domain so Tilta sends buyer emails from your domain – subdomain delegation or main domain setup with full DNS record guidance.
- [Platform Portal](https://docs.tilta.ai/docs/platform-portal.md): Access and navigate the Tilta Platform Portal to monitor buyer credit facilities, track orders, and troubleshoot common error codes.
- [Service URLs](https://docs.tilta.ai/docs/urls.md): Complete reference of all Tilta production and sandbox URLs for the API, Platform Portal, Buyer Onboarding UI, and Buyer Checkout UI services.
- [Data types](https://docs.tilta.ai/docs/data-types.md): Reference for Tilta API data types including ISO 4217 currency codes, minor-unit amounts, Unix timestamps, UTF-8 encoding, and external IDs.
- [API errors](https://docs.tilta.ai/docs/errors.md): Complete reference of Tilta API HTTP status codes and application-level error codes, with causes and recommended remediation steps.
- [Pagination](https://docs.tilta.ai/docs/pagination.md): Learn how Tilta's offset-based pagination works, how to iterate through pages, and how to detect when you have reached the last page.
- [Legal forms](https://docs.tilta.ai/docs/legal-forms.md): Reference for Tilta's legal form ENUMs used when registering buyers and merchants, including accepted countries and Tax/VAT ID guidance.
- [Create a buyer](https://docs.tilta.ai/api-reference/buyers/create-buyer.md): Register a new business buyer on your platform. Pre-fill company data to streamline onboarding and reduce manual input during the credit application.
- [Retrieve a buyer](https://docs.tilta.ai/api-reference/buyers/retrieve-buyer.md): Fetch a single buyer record by its external ID. Returns full company details, current onboarding status, and any stored business identifiers.
- [List buyers](https://docs.tilta.ai/api-reference/buyers/list-buyers.md): Retrieve a paginated list of all buyers registered on your platform. Use limit and offset to page through large result sets efficiently.
- [Search buyers](https://docs.tilta.ai/api-reference/buyers/search-buyers.md): Search your buyers with a single free-text query across their identifiers and names, without paginating through your full buyer list.
- [Replace a buyer](https://docs.tilta.ai/api-reference/buyers/replace-buyer.md): Fully replace a buyer stored record using PUT semantics. All fields must be provided – omitted fields are cleared. Retrieve first for partial updates.
- [Export buyers](https://docs.tilta.ai/api-reference/buyers/export-buyers.md): Download all buyers on your platform as a CSV file. Returns a complete, unpaginated export of buyer records – ideal for reporting and bulk data sync.
- [Retrieve buyer settings](https://docs.tilta.ai/api-reference/buyers/retrieve-buyer-settings.md): Retrieve a buyer's communication preferences. These control the language and formality of the automated emails Tilta sends on your behalf.
- [Replace buyer settings](https://docs.tilta.ai/api-reference/buyers/replace-buyer-settings.md): Replace a buyer's communication preferences. Set the language and formality Tilta uses for the automated emails it sends on your behalf.
- [Create an onboarding session](https://docs.tilta.ai/api-reference/buyers/buyer-onboarding-session.md): Generate a short-lived onboarding session for a buyer. Returns a JWT and hosted URL to launch Tilta white-labeled credit application flow for the buyer.
- [Request a credit facility](https://docs.tilta.ai/api-reference/facilities/create-facility.md): Trigger Tilta automated underwriting to request a credit facility for a buyer. Approval is based on credit bureau data and delivered via webhook event.
- [Retrieve a credit facility](https://docs.tilta.ai/api-reference/facilities/retrieve-facility.md): Fetch the active credit facility for a buyer, including total credit limit, available balance, current usage amount, currency, and expiration date.
- [List credit facilities](https://docs.tilta.ai/api-reference/facilities/list-facilities.md): Retrieve a paginated list of credit facilities across all buyers on your platform. Filter by status to monitor credit utilization and facility health.
- [Request a facility increase](https://docs.tilta.ai/api-reference/facilities/request-increase.md): Submit a limit increase request for a buyer existing credit facility. Triggers a new underwriting review with the result delivered via webhook event.
- [Request a facility renewal](https://docs.tilta.ai/api-reference/facilities/request-renewal.md): Trigger an early renewal of a buyer credit facility ahead of the standard 3-month cycle. Initiates a fresh underwriting review and extends the expiry.
- [Create an order](https://docs.tilta.ai/api-reference/orders/create-order.md): Submit a new order to reserve credit from a buyer's credit facility. Returns authorization status and any reasons for non-authorization.
- [Create a draft order](https://docs.tilta.ai/api-reference/orders/create-draft-order.md): Create a minimal draft order to initiate the hosted buyer checkout flow. The buyer completes missing details during the checkout session.
- [Retrieve an order](https://docs.tilta.ai/api-reference/orders/retrieve-order.md): Fetch the full details of a single order, including its current status, authorization state, line items, amounts, and payment information.
- [List orders](https://docs.tilta.ai/api-reference/orders/list-orders.md): Retrieve a paginated list of all orders associated with your platform. Use limit and offset parameters to page through large result sets.
- [Search orders](https://docs.tilta.ai/api-reference/orders/search-orders.md): Search for orders using filters such as buyer_external_id or external_id. Returns matching orders without requiring full list pagination.
- [Replace an order](https://docs.tilta.ai/api-reference/orders/replace-order.md): Fully replace an existing order using PUT semantics. Only orders in PENDING_CONFIRMATION status can be updated. Line items are replaced wholesale.
- [Transition an order](https://docs.tilta.ai/api-reference/orders/transition-order.md): Move an order between lifecycle states such as confirmed and cancelled. Tilta validates that the requested transition is permitted.
- [Create a checkout session](https://docs.tilta.ai/api-reference/orders/checkout-session.md): Generate a short-lived JWT token and hosted checkout URL for a draft order. Use the token with the Tilta JS SDK or redirect the buyer to the URL.
- [Create an invoice](https://docs.tilta.ai/api-reference/invoices/create-invoice.md): Create an invoice to capture financing for one or more confirmed orders. Triggers the merchant payout and starts the buyer's repayment clock.
- [Retrieve an invoice](https://docs.tilta.ai/api-reference/invoices/retrieve-invoice.md): Fetch complete details of a single invoice including its status, financed amount, due date, associated orders, and any active Tilta services.
- [List invoices](https://docs.tilta.ai/api-reference/invoices/list-invoices.md): Retrieve a paginated list of all invoices for your platform. Use limit and offset query parameters to navigate through large result sets.
- [Search invoices](https://docs.tilta.ai/api-reference/invoices/search-invoices.md): Search invoices using filters like buyer_external_id or external_id. Efficiently retrieve targeted invoice subsets without full list pagination.
- [Update an invoice](https://docs.tilta.ai/api-reference/invoices/update-invoice.md): Replace the editable fields of an invoice using PUT semantics. Updates are rejected if any active Tilta financial services are present on the invoice.
- [Mark an invoice as paid](https://docs.tilta.ai/api-reference/invoices/mark-paid.md): Signal that a buyer has repaid an invoice directly to the merchant outside of Tilta's collection process. Updates invoice status to PAID.
- [Refund an invoice](https://docs.tilta.ai/api-reference/invoices/refund-invoice.md): Refund a captured invoice in full or partially. Use when goods are returned or cancelled post-invoice. Reverses financing and adjusts merchant payouts.
- [Calculate fees](https://docs.tilta.ai/api-reference/invoices/calculate-fees.md): Calculate the exact buyer and merchant fees for a proposed invoice. Use this before capturing financing to show transparent fee amounts at checkout.
- [Upload an invoice file](https://docs.tilta.ai/api-reference/invoices/upload-file.md): Attach a file to an invoice – such as the PDF invoice document. Uploaded files are associated with the invoice and stored securely by Tilta.
- [Export invoices](https://docs.tilta.ai/api-reference/invoices/export-invoices.md): Download all invoices for your platform as a CSV file in a single streaming response. No pagination applies – all matching invoices are included.
- [Create a merchant](https://docs.tilta.ai/api-reference/merchants/create-merchant.md): Register a new merchant on your platform so their orders can be financed by Tilta. Newly created merchants must complete onboarding before approval.
- [Retrieve a merchant](https://docs.tilta.ai/api-reference/merchants/retrieve-merchant.md): Fetch the full profile of a single merchant using the external_id your platform assigned at creation, including current onboarding status.
- [List merchants](https://docs.tilta.ai/api-reference/merchants/list-merchants.md): Retrieve a paginated list of all merchant records registered under your platform, with optional limit and offset controls for large result sets.
- [Replace a merchant](https://docs.tilta.ai/api-reference/merchants/replace-merchant.md): Fully replace an existing merchant record using PUT semantics. All fields are overwritten, including the business_identifiers array.
- [List representatives](https://docs.tilta.ai/api-reference/merchants/list-representatives.md): Retrieve the persons who are legally authorized to bind a merchant in transactions, along with their verification status.
- [Add a representative](https://docs.tilta.ai/api-reference/merchants/add-representative.md): Associate an existing person with a merchant as a legal representative. Required before a merchant can complete KYB onboarding.
- [Remove a representative](https://docs.tilta.ai/api-reference/merchants/remove-representative.md): Delete the association between a person and a merchant so that the person is no longer a legal representative.
- [List owners](https://docs.tilta.ai/api-reference/merchants/list-owners.md): Retrieve the natural persons declared as ultimate beneficial owners of a merchant, with their ownership percentage and verification status.
- [Add an owner](https://docs.tilta.ai/api-reference/merchants/add-owner.md): Register an existing person as an ultimate beneficial owner of a merchant, including the percentage of the entity they own.
- [Remove an owner](https://docs.tilta.ai/api-reference/merchants/remove-owner.md): Delete the association between a person and a merchant so that the person is no longer declared as an ultimate beneficial owner.
- [List payout instructions](https://docs.tilta.ai/api-reference/merchants/list-payout-instructions.md): Retrieve the bank accounts registered for payouts across your platform, filtered by merchant where needed.
- [Create a payout instruction](https://docs.tilta.ai/api-reference/merchants/create-payout-instruction.md): Register the bank account Tilta pays out to when a merchant's invoice is captured and financed.
- [Retrieve a payout instruction](https://docs.tilta.ai/api-reference/merchants/retrieve-payout-instruction.md): Fetch a single payout bank account by its identifier, including its current verification status.
- [Replace a payout instruction](https://docs.tilta.ai/api-reference/merchants/replace-payout-instruction.md): Replace the bank account details on an existing payout instruction. Replacing resets verification, so only do it when the account genuinely changes.
- [Delete a payout instruction](https://docs.tilta.ai/api-reference/merchants/delete-payout-instruction.md): Remove a payout bank account from a merchant, for example after the account is closed.
- [List mandates](https://docs.tilta.ai/api-reference/merchants/list-mandates.md): Retrieve the active and historical SEPA Direct Debit mandates that authorize Tilta to collect from a merchant's bank account.
- [Create a mandate](https://docs.tilta.ai/api-reference/merchants/create-mandate.md): Authorize Tilta to collect payments directly from a merchant's bank account by creating a SEPA Direct Debit mandate.
- [Create a contact](https://docs.tilta.ai/api-reference/contacts/create-contact.md): Register a new contact for a buyer to receive automated Tilta communications such as invoices, payment reminders, and due date notifications.
- [Retrieve a contact](https://docs.tilta.ai/api-reference/contacts/retrieve-contact.md): Fetch the full profile of a single contact record using the external_id assigned at creation, including associated buyer and communication details.
- [Replace a contact](https://docs.tilta.ai/api-reference/contacts/replace-contact.md): Fully replace an existing contact record using PUT semantics. All fields are overwritten. The buyer association cannot be changed after creation.
- [Delete a contact](https://docs.tilta.ai/api-reference/contacts/delete-contact.md): Permanently delete a contact record. Deleted contacts stop receiving all automated Tilta email communications including invoices and reminders.
- [Create a person](https://docs.tilta.ai/api-reference/persons/create-person.md): Register a person record used as a legal representative or ultimate beneficial owner during merchant KYB onboarding and identity verification.
- [Retrieve a person](https://docs.tilta.ai/api-reference/persons/retrieve-person.md): Fetch the full identity profile of a single person record using the external_id assigned at creation, including addresses and nationality details.
- [Replace a person](https://docs.tilta.ai/api-reference/persons/replace-person.md): Fully replace an existing person record using PUT semantics. The addresses array is replaced entirely – include all entries you want to retain.
- [Create a subscription](https://docs.tilta.ai/api-reference/webhooks/create-subscription.md): Subscribe to a Tilta webhook event type and receive real-time HTTP POST notifications at your endpoint whenever the specified event fires.
- [List subscriptions](https://docs.tilta.ai/api-reference/webhooks/list-subscriptions.md): Retrieve all active webhook subscriptions registered for your platform, including their configured event types and target endpoint URLs.
- [Replace a subscription](https://docs.tilta.ai/api-reference/webhooks/replace-subscription.md): Fully replace an existing webhook subscription using PUT semantics. Provide all fields – use this to update a subscription's target endpoint URL.
- [Delete a subscription](https://docs.tilta.ai/api-reference/webhooks/delete-subscription.md): Unsubscribe from a Tilta webhook event type. After deletion, Tilta stops delivering events of that type to your registered endpoint.
- [Rotate the signature key](https://docs.tilta.ai/api-reference/webhooks/rotate-signature-key.md): Rotate the HMAC signing key for a webhook subscription. The new key is returned once – store it immediately in a secure secret manager.
- [Retrieve the platform](https://docs.tilta.ai/api-reference/platform/retrieve-platform.md): Fetch the platform object for your authenticated integration, including your platform name, current status, and account-level configuration settings.
- [Retrieve payment terms](https://docs.tilta.ai/api-reference/platform/payment-terms.md): Retrieve the payment terms enabled for your platform, so buyers only ever see the deferral options your platform has contracted with Tilta.
- [Search businesses](https://docs.tilta.ai/api-reference/utilities/search-businesses.md): Search Tilta's business registry by name, country, tax ID, or registration number to look up a business before onboarding them as a buyer or merchant.
- [List legal forms](https://docs.tilta.ai/api-reference/utilities/legal-forms.md): Retrieve the legal forms Tilta accepts, with human-readable display names, to populate a selector in your buyer or merchant registration flow.
- [Check service requirements](https://docs.tilta.ai/api-reference/utilities/invoice-service-requirements.md): Verify that an invoice meets every prerequisite for a service type before requesting the Service.
- [Request a service](https://docs.tilta.ai/api-reference/utilities/create-invoice-service.md): Activate financing, insurance, or collection on a captured invoice. Requesting a Service is what triggers the funding flow.
- [Retrieve a service](https://docs.tilta.ai/api-reference/utilities/retrieve-invoice-service.md): Fetch a single financial Service by its identifier to track its status after activation.
- [List services](https://docs.tilta.ai/api-reference/utilities/list-invoice-services.md): Retrieve every financial Service requested against an invoice, including financing, insurance, and collection.

## OpenAPI Specs

- [openapi](/api-reference/openapi.yml)