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

# Overview

> Integration guides and API reference for the ReflexPay switching service, where paytags route transactions between participating applications and settlement happens end of day.

# Switching Service Documentation

The Flex switching service routes payments between participating applications.
PayTags act as the payment identifier.
Each application receives, honors, or rejects transactions for its own users.
The platform then aggregates completed activity into end-of-day settlement.

## What you can do with the switching service

* Register an application and receive API credentials.
* Create subjects and paytags such as `alice@walletapp`.
* Route transactions between participating applications.
* Verify webhook signatures and optionally decrypt JWE payloads.
* Track wallet balances, ledger entries, and settlement batches.

## Base URLs

* **Staging API:** `https://staging-switch.yourflexpay.com/api`
* **Production API:** `https://switch.yourflexpay.com/api`

## Start here

1. Read the [Quickstart](/switch/quickstart).
2. Follow the full [End-to-End Integration Guide](/switch/integration-guide).
3. Review the [Authentication](/switch/authentication) flow.
4. Set up [Webhooks](/switch/webhooks) before you process transactions.

## Core capabilities

| Capability          | Summary                                                                      |
| ------------------- | ---------------------------------------------------------------------------- |
| Paytags             | Portable payment identifiers that route value to the right application       |
| Transactions        | Switch-mediated payments that the receiving application must honor or reject |
| Application wallets | Per-application escrow wallet plus immutable DEBIT/CREDIT ledger entries     |
| Settlement          | End-of-day net position generation for reconciliation                        |
| Security            | JWT auth, JWE payload encryption, HMAC webhook signatures, and rate limiting |