> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.thepennyinc.com/get-started/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.thepennyinc.com/_mcp/server.

# Get Started

## Docs

- [Welcome](https://docs.thepennyinc.com/welcome.md)
- [Getting Started](https://docs.thepennyinc.com/get-started/getting-started.md): Start building with Penny in Sandbox.
- [Authentication](https://docs.thepennyinc.com/get-started/authentication.md): Exchange your credentials for an access token that works across the Penny APIs in an environment.
- [Environments](https://docs.thepennyinc.com/get-started/environments.md): Build and test safely in Sandbox before connecting to the Live Penny environment.
- [Errors & Rate Limits](https://docs.thepennyinc.com/get-started/errors.md): How failures are shaped, and what to expect on request volume.
- [Retries & Idempotency](https://docs.thepennyinc.com/get-started/idempotency.md): Retry requests safely without accidentally repeating an operation.
- [Resource Versions & Concurrency](https://docs.thepennyinc.com/get-started/versioning.md): Understand resource history and how to handle concurrent updates.
- [Platform Concepts](https://docs.thepennyinc.com/get-started/platform-concepts/overview.md): Understand the core Penny resources and how they fit together.
- [Business & Access](https://docs.thepennyinc.com/get-started/platform-concepts/business-access.md): Understand ownership, identities, and permissions.
- [Programs](https://docs.thepennyinc.com/get-started/platform-concepts/programs.md): Understand the operating boundary your accounts, cards, and spend controls live in.
- [Banking & Accounts](https://docs.thepennyinc.com/get-started/platform-concepts/banking-accounts.md): Understand how Penny structures accounts and external banking relationships.
- [Issuing & Cards](https://docs.thepennyinc.com/get-started/platform-concepts/issuing-cards.md): Understand card products, cardholders, cards, and their funding context.
- [Transactions & Ledger](https://docs.thepennyinc.com/get-started/platform-concepts/transactions-ledger.md): Understand transaction state, events, and financial postings.
- [Spend Controls](https://docs.thepennyinc.com/get-started/platform-concepts/spend-controls.md): Understand where authorization rules can apply across Penny.
- [Webhooks & Events](https://docs.thepennyinc.com/get-started/platform-concepts/webhooks-events.md): Understand how Penny delivers resource changes to your integration.