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

# UTGL Developer Portal

# Welcome to UTGL Developer Portal

Build powerful financial applications with UTGL's comprehensive payment and card infrastructure. Whether you're issuing cards or accepting payments, our APIs provide everything you need to integrate seamlessly.

<CardGroup cols={2}>
  <Card title="Issuing API" icon="credit-card" href="/issuing/getting-started/overview">
    For financial institutions issuing cards. Manage card accounts, issue cards, and process transactions.
  </Card>

  <Card title="Merchant API" icon="store" href="/merchant/partner-connect/index">
    For merchants accepting UTGL card payments. Bind cards and process transactions securely.
  </Card>
</CardGroup>

***

## Quick Start

Get up and running in minutes:

<CardGroup cols={3}>
  <Card title="Quickstart Guide" icon="rocket" href="/issuing/getting-started/quickstart">
    Make your first API call in 5 minutes
  </Card>

  <Card title="Authentication" icon="key" href="/issuing/getting-started/authentication">
    Learn how to authenticate requests
  </Card>

  <Card title="Sandbox Environment" icon="flask" href="/issuing/getting-started/sandbox-environment">
    Test your integration safely
  </Card>
</CardGroup>

***

## Key Features

<CardGroup cols={2}>
  <Card title="Card Issuing" icon="credit-card">
    Issue physical and virtual cards, manage card accounts, and control spending limits
  </Card>

  <Card title="Transaction Processing" icon="money-bill-transfer">
    Process, monitor, and manage transactions in real-time with comprehensive APIs
  </Card>

  <Card title="Account Management" icon="user">
    Create and manage accounts, balances, and transfers with flexible account structures
  </Card>

  <Card title="Real-Time Webhooks" icon="webhook">
    Receive instant notifications for card events, transactions, and account changes
  </Card>
</CardGroup>

***

## Documentation

### Getting Started

<CardGroup cols={3}>
  <Card title="Overview" icon="circle-info" href="/issuing/getting-started/overview">
    Introduction to Issuing API
  </Card>

  <Card title="Request Signing" icon="lock" href="/issuing/getting-started/request-signing">
    Secure API authentication with JWT
  </Card>

  <Card title="Requests & Responses" icon="arrows-left-right" href="/issuing/getting-started/requests-responses">
    Understand API formats and error handling
  </Card>
</CardGroup>

### Guides

<CardGroup cols={3}>
  <Card title="Card Account Modes" icon="credit-card" href="/issuing/guides/card-account-modes">
    Prepaid, asset-link, and fixed-limit modes
  </Card>

  <Card title="OOB / Online Transactions" icon="shield-check" href="/issuing/guides/3ds-integration">
    Out-of-band transaction verification
  </Card>

  <Card title="Webhooks" icon="webhook" href="/issuing/guides/webhooks-1">
    Set up real-time event notifications
  </Card>
</CardGroup>

### Code Examples

<CardGroup cols={4}>
  <Card title="Java" icon="code" href="/issuing/recipes/authentication-java">
    Authentication examples
  </Card>

  <Card title="Node.js" icon="code" href="/issuing/recipes/authentication-nodejs">
    Authentication examples
  </Card>

  <Card title="PHP" icon="code" href="/issuing/recipes/authentication-php">
    Authentication examples
  </Card>

  <Card title="Golang" icon="code" href="/issuing/recipes/authentication-golang">
    Authentication examples
  </Card>
</CardGroup>

***

## API Reference

Explore our complete API reference with interactive examples:

<CardGroup cols={3}>
  <Card title="Accounts" icon="user" href="/issuing/api-reference/accounts/get-accounts">
    Manage accounts and balances
  </Card>

  <Card title="Cards" icon="credit-card" href="/issuing/api-reference/cards/issue-card">
    Issue and manage cards
  </Card>

  <Card title="Card Accounts" icon="wallet" href="/issuing/api-reference/card-accounts/get-card-accounts">
    Manage card account balances
  </Card>

  <Card title="Transactions" icon="money-bill-transfer" href="/issuing/api-reference/transactions/get-account-transactions">
    Track transactions and transfers
  </Card>

  <Card title="Webhooks" icon="webhook" href="/issuing/api-reference/webhooks/create-webhook">
    Configure webhook endpoints
  </Card>

  <Card title="Payouts" icon="money-bill-wave" href="/issuing/api-reference/payouts/create-payout">
    Process payouts and remittances
  </Card>
</CardGroup>

***

## Base URLs

<CodeGroup>
  ```bash Production theme={null}
  https://access.utgl.io/v1
  ```

  ```bash Sandbox theme={null}
  https://sandbox.access.utgl.io/v1
  ```
</CodeGroup>

***

## What's New

<Card title="Changelog" icon="newspaper" href="/changelog">
  Stay up-to-date with the latest API changes and improvements
</Card>