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

# Take top-up payments

> Take Roqqett payments into a payee account, such as a customer wallet, with TOP_UP checkout sessions.

A `TOP_UP` checkout session pays into a payee: a bank account you name, other than your settlement account. Use it when each payment needs to go to a different account, for example to fund a customer's wallet held elsewhere.

<Info>
  Top-ups must be enabled by Equals. Check `canCreateTopUpCheckouts` in [Retrieve the merchant](/api-reference/merchant/retrieve-the-merchant), and speak to your account manager if it's `false`.
</Info>

## Step 1: Create a top-up checkout

Create a checkout with `"type": "TOP_UP"`. A top-up checkout has no settlement account or shipping options. See [Set up Roqqett](/pages/roqqett/set-up-roqqett#step-3-create-a-checkout).

## Step 2: Add a payee

<Note>
  **POST** `/v2/roqqett/payees`
</Note>

```bash theme={null}
curl -i -X POST \
  'https://api.equalsmoney.com/v2/roqqett/payees?accountId=F12345' \
  -H 'Authorization: ApiKey {apiKey}' \
  -H 'Content-Type: application/json' \
  -d '{
    "name": "Customer wallet 7781",
    "currencyCode": "GBP",
    "bankDetails": {
      "type": "SORT_CODE",
      "sortCode": "000000",
      "accountNumber": "00000000"
    }
  }'
```

Use `SORT_CODE` details for GBP and `IBAN` details for EUR. If you add the same bank details again, you get the existing payee back with a `200`.

A payee can only be paid once its `approvalStatus` is `APPROVED`. A payee that is still `PENDING` is being checked by Equals.

## Step 3: Create a checkout session

Create a checkout session as in [Accept payments](/pages/roqqett/accept-payments), with `"type": "TOP_UP"` and the `payeeId`. Top-up sessions have no basket or shipping.

```bash theme={null}
curl -i -X POST \
  'https://api.equalsmoney.com/v2/roqqett/checkout-sessions?accountId=F12345' \
  -H 'Authorization: ApiKey {apiKey}' \
  -H 'Content-Type: application/json' \
  -d '{
    "type": "TOP_UP",
    "checkoutId": "{topUpCheckoutId}",
    "payeeId": "d2a7c9e1-5b3f-4a8d-9e6c-1f0b2a4c8e57",
    "idempotencyKey": "wallet-7781-topup-0042",
    "merchantReference": "TOPUP-0042",
    "amount": { "amount": "100.00", "currencyCode": "GBP" }
  }'
```

Then redirect the payer to `checkoutUrl` and confirm the outcome in the same way. A completed top-up session has a `paymentId` but no `orderId`.

Top-up payments can't be refunded through the API.