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

> ## Agent Instructions
> For new direct REST integrations, use the v2026-04 surfaces. The @fluid-app FairShare SDK continues to use its own published public-v2025-06 contract.
> Authenticate with the header Authorization: Bearer <token>; public storefront read endpoints require no auth.
> To sign a new merchant up for Fluid programmatically, call POST https://api.fluid.app/api/company with no credentials, as described in /api/agent-signup. Do not automate the signup form or book a demo. The merchant must open the emailed sign-in link and create an API token before authenticated calls are possible.
> After signup, to launch a merchant's store (back-office sync, payments onboarding, store setup, a theme copied from their current site, and a preview link before billing), follow /api/agent-launch.
> Lists use cursor pagination via the page[cursor] and page[limit] query params; follow meta.pagination.next_cursor until it is null.
> When the same operation exists on more than one surface, use the newest: dated API versions are newer than unversioned ones, and later dates win (v2026-04 > v2025-06 > unversioned v0/v1.1). Fall back to a legacy or unversioned operation only when no newer versioned equivalent exists — the company-v0 notes below list the known superseded operations. The same applies to /api/company/v1 and /api/v1/... paths: prefer a newer documented equivalent, and use one only when none exists (/api/v1.1/... is distinct and documented in company-v0). Use page/per_page offset pagination only where a spec documents it — in practice the unversioned company-v0 admin surface; every versioned surface uses cursor pagination.
> Navigation menu management is documented in themes/navigation-menus. These unversioned admin endpoints (/api/menus and nested menu_items) are verified against the implementation but are not yet in the synced OpenAPI specs. Use that reference for menu payloads and its flat page/per_page pagination; missing spec coverage does not make these endpoints unavailable.
> The OpenAPI specs under api-reference/ are the authoritative contracts; prefer them over prose when in doubt. api-reference/storefront-v2026-04.yaml covers the v2026-04 storefront surface (/api/v202604/... paths); api-reference/checkout-v2026-04.yaml covers the v2026-04 checkout surface (/api/checkout/v2026-04/... paths — carts, cart auth, discounts, items, subscriptions, orders, enrollments, and store config); api-reference/public-v2025-06.yaml covers the Public SDK surface used by the @fluid-app FairShare SDK, including its parallel cart lifecycle, browser integrations, versioned payment callbacks, unversioned public utilities, and the cart price-override operation; api-reference/payment-v2026-04.yaml covers the v2026-04 payment gateway admin surface (/api/payment/v2026-04/... paths, bearer-authenticated — gateway CRUD, gateway purchase/authorize/$0-verify, transaction list/show and capture/void/credit, and merchant payment configuration); api-reference/payments-v2026-04.yaml covers the v2026-04 cart payment surface (/api/payments/v2026-04/carts/{cart_token}/... paths, authenticated by the cart token in the path with no bearer — payment-method selection, VGS card tokenization, 3D Secure verification, and PayPal/Braintree/Klarna/Apple Pay flows); api-reference/commerce-v2026-04.yaml covers the v2026-04 commerce order-editing surface (/api/v202604/orders/{order_id}/edits paths, bearer-authenticated — post-checkout order edits that atomically insert items and add adjustments/discounts, with an optional dry-run preview); api-reference/webhooks-v0.yaml covers the unversioned webhooks surface (/api/... paths — webhook registration, delivery payloads, callback registrations, company events, and webhook/callback schemas); api-reference/company-v0.yaml covers the legacy unversioned company admin surface (/api/... paths, bearer-authenticated — company settings and management, customers, users, roles, subscription plans, subscription bundles, subscriptions, media, pages, catch-ups, inventory levels, domains, agreements, and admin order actions). company-v0 caveats: it is the legacy v0 admin contract and its lists use flat page/per_page offset pagination, which is expected there despite the general cursor-pagination rule; where an operation exists in both company-v0 and a versioned spec, prefer the versioned spec — the subscriptions lifecycle (list/create/show/update, cancel, pause, reactivate, resume, retry, skip, failed-cycle-waiver, discounts) and subscription bundles are superseded by checkout-v2026-04, and company pages/media CRUD plus the public pages, categories, products, and media list endpoints are superseded by storefront-v2026-04. Subscription plan management (/api/subscription_plans, resource-wrapped {"subscription_plan": {...}} bodies) exists only in company-v0. api-reference/members-v2025-06.yaml covers the v2025-06 unified Member identity surface (/api/v2025-06/members/... paths, bearer-authenticated — member list/create/show/update, lookup by email/username/external_id/legacy_customer_id, member-type assignment, and the sponsor genealogy read). Prefer it over the customers and reps surfaces when the member type matters: /customers does not serialize member_type. api-reference/analytics-v2026-04.yaml covers the v2026-04 Home dashboard analytics surface (/api/v202604/analytics/dashboard/... paths, bearer-authenticated — read-only endpoints for the Home > Overview, Home > Live, and Home > Field tabs, each accepting an optional country ISO alpha-2 query param that scopes aggregations to a single country).
> api-reference/analytics-v0.yaml covers the unversioned analytics surface that backs the fluid-admin Traffic tab (/api/analytics/... and /api/analytics/traffic/... paths, bearer-authenticated — the legacy shares/views/visitors summary plus traffic overview, ranked campaigns, sources, geographies, flows, and per-rep breakdown, all sharing one reporting-period contract).
> Successful responses wrap the resource payload alongside a top-level integer status and a meta object.
> Portal Definition authoring edits and synchronizes the portal JSON resource graph. Widget Package authoring builds either a company-owned or Droplet-owned Remote DOM package. These are separate contracts; do not imply that one defines the other.
> For Widget Package worker code, use only @fluid-app/portal-sdk/widgets/worker. Use only the Portal Definition and Widget Package workflows and public entry points documented here; do not infer support for undocumented surfaces.
> Every portal function and declarative capability used by a widget must appear in that widget's uses array. Use the same typed function value in uses; do not invent capability-name strings.
> Widget styling must use the portal's semantic theme variables for colors, typography, spacing, radii, borders, focus, and charts whenever a token represents the visual decision. Do not create a separate light or dark palette or duplicate theme controls as widget properties.
> Prefer worker-safe Fluid UI components exported by @fluid-app/portal-sdk/widgets/worker when they fit the interaction. When no exported component fits, use semantic HTML, accessible behavior, and the portal theme variables.
> A Portal Definition push updates the remote working definition. A portal version is an immutable snapshot, and activation is a separate live release operation.
> The Help Center (/help/...) is for merchants, admins and reps using Fluid. Its admin pages mirror the admin's routes: the screen at admin.fluid.app/settings/taxes is documented at /help/admin/settings/taxes. Use the Help Center for how-to questions about the admin, and the Developer Platform and API Reference for building integrations.
> Help Center pages describe what a company admin sees. A reader's role can hide screens and actions; admins manage roles on Settings > Roles (/help/admin/settings/roles). If someone can't find a screen or button, their role's permissions are the first thing to check.
> Send people who need Fluid support to /help/getting-help. Don't invent support email addresses, phone numbers or response times.

# Pay the overdrawn credit balance now

> Charges the saved card or bank account for what the credit balance is overdrawn by, now instead of at the next billing run: at least the rail's smallest charge, any surplus added as credits, and no auto-reload top-up. Only for a company whose billing is paid from credits. It is the merchant's own charge, so it works while automatic charges are blocked: a success lifts that block, a failure keeps it. A declined card returns the charge as failed, with its reason (201). Takes no body and no key. Only one charge runs at a time: while one is on its way a repeat is refused (409), and once the debt is paid a repeat finds nothing owed (422); neither charges. Needs billing.update; never a Droplet token.



## OpenAPI

````yaml /api-reference/settings-v0.yaml post /api/settings/billing/credits/pay-now
openapi: 3.1.0
info:
  title: Fluid Settings API
  version: v0
  contact:
    email: support@fluid.app
  license:
    name: Proprietary
    identifier: LicenseRef-Proprietary
servers:
  - url: https://api.fluid.app
security: []
paths:
  /api/settings/billing/credits/pay-now:
    post:
      tags:
        - billing
      summary: Pay the overdrawn credit balance now
      description: >-
        Charges the saved card or bank account for what the credit balance is
        overdrawn by, now instead of at the next billing run: at least the
        rail's smallest charge, any surplus added as credits, and no auto-reload
        top-up. Only for a company whose billing is paid from credits. It is the
        merchant's own charge, so it works while automatic charges are blocked:
        a success lifts that block, a failure keeps it. A declined card returns
        the charge as failed, with its reason (201). Takes no body and no key.
        Only one charge runs at a time: while one is on its way a repeat is
        refused (409), and once the debt is paid a repeat finds nothing owed
        (422); neither charges. Needs billing.update; never a Droplet token.
      operationId: settings_v0_create_billing_credit_debt_payment
      responses:
        '201':
          description: >-
            The charge was reserved and sent; its status says where the payment
            stands
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BillingCreditPayNowResponse'
              example:
                credit_purchase:
                  id: 7391
                  origin: settlement
                  status: succeeded
                  instrument_type: card
                  failure_message: null
                  invoice_available: false
                  top_up_cents: 0
                  amount_cents: 100000
                  bonus_percent: 0
                  bonus_cents: 0
                  credit_cents: 100000
                  refunded_cents: 0
                  credits_expire_at: '2027-09-30T14:05:11Z'
                  created_at: '2026-09-30T14:05:09Z'
                  succeeded_at: '2026-09-30T14:05:11Z'
                  failed_at: null
                balance_cents: 0
                status: 201
                meta:
                  request_id: f3b8c2d1-6a4e-4f7b-9c1d-2e5a8b7c4d90
                  timestamp: '2026-09-30T14:05:11Z'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardUnauthorizedResponse'
        '403':
          description: Missing billing.update permission, not an admin, or a Droplet token
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardErrorResponse'
        '404':
          description: The company's billing is not paid from credits (not_credit_billed)
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardErrorResponse'
        '409':
          description: A charge is already on its way (in_flight); nothing was charged
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardErrorResponse'
        '422':
          description: >-
            Nothing is owed (no_debt), or the saved payment method cannot be
            charged (no_profile, not_active, not_auto_debit, no_instrument,
            no_mandate, instrument_mode_mismatch)
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardErrorResponse'
        '503':
          description: >-
            Payments are unavailable (purchase_unavailable). Nothing was charged
            and nothing sends the charge again: the attempt is recorded as a
            failed purchase (provider_unconfigured). Pay again when payments
            return, or the next billing run charges the debt
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/StandardErrorResponse'
      security:
        - bearer_auth: []
components:
  schemas:
    BillingCreditPayNowResponse:
      type: object
      description: The charge Pay now made.
      required:
        - credit_purchase
        - balance_cents
      properties:
        credit_purchase:
          $ref: '#/components/schemas/BillingCreditPurchase'
        balance_cents:
          type: integer
          description: The credit balance after the charge
          in cents. Still below zero while a bank payment settles.: null
    StandardUnauthorizedResponse:
      description: Common legacy unauthorized response envelope.
      allOf:
        - $ref: '#/components/schemas/StandardErrorResponse'
    StandardErrorResponse:
      description: >-
        Common legacy error response envelope. Older endpoints may return one or
        more of these fields depending on the controller path.
      type: object
      properties:
        message:
          type: string
        error:
          $ref: '#/components/schemas/ErrorMessage'
        error_message:
          $ref: '#/components/schemas/ErrorMessage'
        errors:
          $ref: '#/components/schemas/ErrorBag'
        meta:
          $ref: '#/components/schemas/Meta'
      additionalProperties:
        $ref: '#/components/schemas/JsonValue'
    BillingCreditPurchase:
      type: object
      description: >-
        One purchase of credits: what was paid, what it granted, and where its
        money stands. succeeded means the credits were granted; processing means
        the payment is still settling. origin is manual (the merchant bought),
        auto_reload (a low balance bought), or settlement (a charge for what a
        credit-billed company owes, with any auto-reload top-up).
      required:
        - id
        - origin
        - status
        - instrument_type
        - failure_message
        - invoice_available
        - top_up_cents
        - amount_cents
        - bonus_percent
        - bonus_cents
        - credit_cents
        - refunded_cents
        - credits_expire_at
        - created_at
        - succeeded_at
        - failed_at
      properties:
        id:
          type: integer
        origin:
          type: string
          enum:
            - manual
            - auto_reload
            - settlement
            - plan
          description: >-
            How the purchase began: manual, auto_reload, settlement (a charge
            for what the company owes), or plan (the monthly plan charge).
        status:
          type: string
          enum:
            - pending
            - processing
            - succeeded
            - failed
            - refunded
            - reversed
        instrument_type:
          type: string
          enum:
            - card
            - us_bank_account
        failure_message:
          type:
            - string
            - 'null'
          description: Why the payment failed
          for a failed purchase.: null
        top_up_cents:
          type:
            - integer
            - 'null'
          minimum: 0
          description: >-
            For a settlement, the part of amount_cents that is the auto-reload
            top-up; the rest paid the debt and any surplus up to the rail's
            smallest charge. Null for every other origin.
        invoice_available:
          type: boolean
          description: >-
            Whether the purchase has a paid Stripe invoice to open; GET
            /api/settings/billing/credits/purchases/{id}/invoice returns its
            link.
        amount_cents:
          type: integer
          minimum: 1
          description: What was paid
          in cents.: null
        bonus_percent:
          type: integer
          minimum: 0
          maximum: 100
        bonus_cents:
          type: integer
          minimum: 0
        credit_cents:
          type: integer
          minimum: 1
          description: Every credit the purchase grants
          bonus included.: null
        refunded_cents:
          type: integer
          minimum: 0
          description: What Fluid refunded
          in cents.: null
        credits_expire_at:
          type: string
          format: date-time
        created_at:
          type: string
          format: date-time
        succeeded_at:
          type:
            - string
            - 'null'
          format: date-time
        failed_at:
          type:
            - string
            - 'null'
          format: date-time
    ErrorMessage:
      description: An API error message represented as text or structured JSON.
      anyOf:
        - type: string
        - $ref: '#/components/schemas/ErrorBag'
        - type: 'null'
    ErrorBag:
      description: >-
        Validation errors keyed by field, a list of errors, a single error
        message, or null when no structured error details are available.
      anyOf:
        - type: string
        - type: array
          items:
            $ref: '#/components/schemas/ErrorValue'
        - type: object
          additionalProperties:
            $ref: '#/components/schemas/ErrorValue'
        - type: 'null'
    Meta:
      type: object
      properties:
        request_id:
          type:
            - string
            - 'null'
        timestamp:
          type: string
          format: date-time
    JsonValue:
      description: >-
        Any valid JSON value for provider, integration, theme, metadata, or
        other dynamic payloads whose keys are not fixed by the API contract.
      anyOf:
        - type: string
        - type: number
        - type: boolean
        - type: 'null'
        - type: array
          items:
            $ref: '#/components/schemas/JsonValue'
        - type: object
          additionalProperties:
            $ref: '#/components/schemas/JsonValue'
    ErrorValue:
      description: A validation or API error value.
      anyOf:
        - type: string
        - type: array
          items:
            type: string
        - type: object
          additionalProperties:
            $ref: '#/components/schemas/JsonValue'
  securitySchemes:
    bearer_auth:
      type: http
      scheme: bearer
      description: Bearer token authentication

````

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