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

# Overview

This page is the consolidated Single Source of Truth for developers integrating the Tonder Withdrawals API, providing all necessary details, constraints, and process flows.

<Note>
  **Authentication Required**

  Every single request to the Withdrawals API requires authentication using a token in the `Authorization` header. This applies to all API requests, Postman requests, and testing scenarios.

  **Include this header in every request:**

  ```
  Authorization: Token YOUR_API_KEY
  ```

  Replace `YOUR_API_KEY` with the token provided in the Developers section of the Tonder platform.

  Requests without proper authentication will return a `401 Unauthorized` error.
</Note>

## What is the Withdrawals API?

The Tonder Withdrawals API enables you to send payouts and withdrawals to beneficiaries, supporting multiple transfer methods including SPEI bank transfers and debit card deposits. The API provides a unified interface for processing withdrawals with real-time status updates via webhooks.

## Key Features

* **Multiple Transfer Methods**: Support for SPEI bank transfers and debit card instant deposits
* **Real-time Status Updates**: Webhook notifications for withdrawal status changes
* **Comprehensive Audit Trail**: Complete status change history for each withdrawal
* **Secure Authentication**: Token-based authentication with HTTPS encryption
* **Flexible Fee Models**: Support for both user-paid and merchant-paid fee structures

## Quick Start

1. **Set up your environment**: Configure your API credentials for [Stage or Production environments](/withdrawals-api/environments)
2. **Get your API token**: Retrieve your API token from the **Developers section** in the Tonder platform
3. **Authenticate your requests**: Learn about [authentication requirements](/withdrawals-api/integration-security) - **every single request** requires the `Authorization` header
4. **Create your first withdrawal**: Follow the [create withdrawal guide](/withdrawals-api/guides/create-withdrawal)
5. **Handle webhooks**: Set up [webhook listeners](/withdrawals-api/webhooks/webhook-payloads) to receive status updates

<Warning>
  **Authentication Required**

  All API requests, including Postman requests, require the `Authorization: Token YOUR_API_KEY` header. Get your token from the Developers section of the Tonder platform.
</Warning>

## Next Steps

* Review [Integration & Security Essentials](/withdrawals-api/integration-security) to understand authentication and data requirements
* Learn about [withdrawal workflows and statuses](/withdrawals-api/guides/workflow-statuses) to understand the complete process
* Explore the [system architecture](/withdrawals-api/webhooks/architecture) to understand how withdrawals are processed
* Check [testing requirements](/withdrawals-api/reference/testing) before going live