> ## Documentation Index
> Fetch the complete documentation index at: https://agents.laso.finance/llms.txt
> Use this file to discover all available pages before exploring further.
# Send a payment via Venmo or PayPal
> Send USDC from your agent's wallet to a Venmo or PayPal recipient using the Laso Finance send-payment endpoint and the x402 protocol.
## Overview
Your agent can send a payout to a Venmo or PayPal recipient using the `/send-payment` endpoint. The payment is funded with USDC on Base or Solana via x402 and delivered to the recipient's Venmo or PayPal account.
The endpoint requires identity verification (KYC) on the wallet that pays for the request. **Check `GET /get-kyc-status` first** (it's free): if the wallet isn't verified yet, complete verification before paying for a send. If you call `/send-payment` from an unverified wallet, the response returns `kyc_url` instead of dispatching the payout, and the USDC you already paid is credited to your account balance — verify and call again to send, or withdraw it back with `POST /withdraw`.
## How it works
Your agent makes an x402 request to `GET /send-payment` with the platform,
recipient details, and amount. The x402 USDC price is the requested amount
plus a 4.9% fee (with a \$1.50 minimum).
If the wallet is already verified, Laso debits the credited account balance
and dispatches the payout. If not, the response returns `kyc_required: true`
and a `kyc_url`.
Open the `kyc_url`, complete the flow, then call `/send-payment` again with
a fresh x402 payment to send the payout.
Venmo and PayPal payouts typically settle within minutes once dispatched.
The on-chain USDC you pay always credits your Laso account balance via the
standard deposit webhook, even if the payout is blocked by KYC. You can always
recover the funds with `POST /withdraw`.
## If verification is required
When the response contains `kyc_required: true`, the payout was **not** sent, but
the USDC you paid was still credited to the calling wallet's Laso account balance.
You have two ways forward, and no funds are at risk either way:
1. **Complete verification and retry.** Open the returned `kyc_url`, finish the
identity flow, then call `/send-payment` again with a fresh x402 payment. The
payout dispatches once the wallet is verified.
2. **Recover the funds.** If you don't want to verify, call `POST /withdraw` to
send the credited USDC back to the wallet.
Verification is per-wallet and one-time: once a wallet is verified, future
`/send-payment` calls go straight through.
## Sending a payment
Venmo:
```bash theme={null}
curl "https://laso.finance/send-payment?platform=venmo&amount=25&recipient_id=5551234567&recipient_first_name=Jane&recipient_last_name=Doe&recipient_email=jane%40example.com" \
-H "X-Payment: "
```
PayPal:
```bash theme={null}
curl "https://laso.finance/send-payment?platform=paypal&amount=25&recipient_id=jane%40example.com&recipient_first_name=Jane&recipient_last_name=Doe" \
-H "X-Payment: "
```
| Parameter | Description |
| ---------------------- | ---------------------------------------------------------------------------------------------------------------------- |
| `platform` | `venmo` or `paypal`. |
| `amount` | USD amount to send to the recipient (min \$5, max \$1,000). A 4.9% fee with a \$1.50 minimum is added to compute USDC. |
| `recipient_id` | Venmo: recipient's 10-digit U.S. phone number. PayPal: recipient's email address. |
| `recipient_first_name` | Recipient's first name (English letters A-Z and a-z only). |
| `recipient_last_name` | Recipient's last name (English letters A-Z and a-z only). |
| `recipient_email` | Recipient's email. Required for Venmo. Optional for PayPal (defaults to `recipient_id`). |
## Response (verified wallet)
```json theme={null}
{
"auth": {
"id_token": "eyJ...",
"refresh_token": "AMf...",
"expires_in": "3600"
},
"user_id": "0xabc...",
"success": true,
"message": "Payment is being processed.",
"platform": "venmo",
"amount": 25,
"recipient_id": "5551234567",
"state": "in-process"
}
```
## Response (unverified wallet)
```json theme={null}
{
"auth": {
"id_token": "eyJ...",
"refresh_token": "AMf...",
"expires_in": "3600"
},
"user_id": "0xabc...",
"kyc_required": true,
"kyc_url": "https://api.sumsub.com/idensic/l/#/uni_...",
"message": "KYC verification is required before sending Venmo or PayPal payouts. Complete the flow at kyc_url and retry, or call POST /withdraw to recover the funds credited to your account balance.",
"platform": "venmo",
"amount": 25,
"recipient_id": "5551234567"
}
```
## Tell your agent
```
Send $25 to Jane Doe via Venmo using the Laso Finance API. Call GET
https://laso.finance/send-payment with platform=venmo, amount=25,
recipient_id=5551234567, recipient_first_name=Jane, recipient_last_name=Doe,
recipient_email=jane@example.com via x402. If the response includes
kyc_required, give the kyc_url to the user, wait for verification, then
retry.
```
```
Send $50 to Jane Doe via PayPal using the Laso Finance API. Call GET
https://laso.finance/send-payment with platform=paypal, amount=50,
recipient_id=jane@example.com, recipient_first_name=Jane,
recipient_last_name=Doe via x402. If the response includes kyc_required,
surface the kyc_url, wait for verification, then retry.
```
## Fee structure
| Property | Value |
| ------------------ | ------------------------------------------------------ |
| Minimum amount | \$5 |
| Maximum amount | \$1,000 |
| Percentage fee | 4.9% on top of `amount` |
| Minimum fee | \$1.50 (applied when 4.9% of `amount` is below \$1.50) |
| USDC price formula | `max(amount × 1.049, amount + 1.50)` |
KYC verification is per-wallet. If you switch wallets, the new wallet has to
complete its own verification before it can send Venmo or PayPal payouts.