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

# Platform

## Docs

- [Access Control](https://docs.thepennyinc.com/platform/access-control.md): Who can do what, and how to grant it.
- [Overview & Delivery Behavior](https://docs.thepennyinc.com/platform/webhooks-overview.md): What a webhook delivery looks like, and how Penny handles failures.
- [Events vs. Decision Exchanges](https://docs.thepennyinc.com/platform/webhook-events-vs-decisions.md): Choose the right webhook flow for notification or authorization.
- [Event Types and Payloads](https://docs.thepennyinc.com/platform/webhook-event-types.md): Read the event envelope and interpret its data by category.
- [Event Catalog](https://docs.thepennyinc.com/platform/webhooks-event-catalog.md): Client-subscribable asynchronous event identifiers.
- [Webhook Authorization](https://docs.thepennyinc.com/platform/webhook-authorization.md): Set and check the bearer token Penny sends to your endpoint.
- [Verify Webhook Signatures](https://docs.thepennyinc.com/platform/webhook-hmac.md): Check HMAC-SHA256 signatures on event and decision requests.
- [Live Decisioning](https://docs.thepennyinc.com/platform/webhooks-live-decisioning.md): The synchronous approve/decline webhook Penny calls during authorization.
- [Subscribing to Webhooks](https://docs.thepennyinc.com/platform/subscribing-to-webhooks.md): Register an endpoint, verify it, and choose which events reach it.

## API Docs

- API Reference > Authentication [Create an M2M access token](https://docs.thepennyinc.com/platform/api-reference/authentication/create-token.md)
- API Reference > Business > Entities [Get your business entity](https://docs.thepennyinc.com/platform/api-reference/business/entities/get-default.md)
- API Reference > Business > Profile [Get your business profile](https://docs.thepennyinc.com/platform/api-reference/business/profile/get.md)
- API Reference > Business > Spend Control [Assign a business-wide spend control](https://docs.thepennyinc.com/platform/api-reference/business/spend-control/assign.md)
- API Reference > Business > Spend Control [Remove the business-wide spend control](https://docs.thepennyinc.com/platform/api-reference/business/spend-control/remove.md)
- API Reference > Configuration > Defaults [Get your defaults](https://docs.thepennyinc.com/platform/api-reference/configuration/defaults/get.md)
- API Reference > Configuration > Programs [Get your program](https://docs.thepennyinc.com/platform/api-reference/configuration/programs/get-default.md)
- API Reference > Access > Users [List users](https://docs.thepennyinc.com/platform/api-reference/access/users/list.md)
- API Reference > Access > Users [Create a user](https://docs.thepennyinc.com/platform/api-reference/access/users/create.md)
- API Reference > Access > Users [Get a user](https://docs.thepennyinc.com/platform/api-reference/access/users/get.md)
- API Reference > Access > Users [Delete a user](https://docs.thepennyinc.com/platform/api-reference/access/users/delete.md)
- API Reference > Access > Users [Update a user](https://docs.thepennyinc.com/platform/api-reference/access/users/update.md)
- API Reference > Access > Users [Activate a user](https://docs.thepennyinc.com/platform/api-reference/access/users/activate.md)
- API Reference > Access > Users [Deactivate a user](https://docs.thepennyinc.com/platform/api-reference/access/users/deactivate.md)
- API Reference > Access > Users > Roles [Attach a role to a user](https://docs.thepennyinc.com/platform/api-reference/access/users/roles/attach.md)
- API Reference > Access > Users > Roles [Detach a role from a user](https://docs.thepennyinc.com/platform/api-reference/access/users/roles/detach.md)
- API Reference > Access > Users > Permissions [Attach a direct permission to a user](https://docs.thepennyinc.com/platform/api-reference/access/users/permissions/attach.md)
- API Reference > Access > Users > Permissions [Detach a direct permission from a user](https://docs.thepennyinc.com/platform/api-reference/access/users/permissions/detach.md)
- API Reference > Access > Roles [List custom roles](https://docs.thepennyinc.com/platform/api-reference/access/roles/list.md)
- API Reference > Access > Roles [Create a custom role](https://docs.thepennyinc.com/platform/api-reference/access/roles/create.md)
- API Reference > Access > Roles [Get a custom role](https://docs.thepennyinc.com/platform/api-reference/access/roles/get.md)
- API Reference > Access > Roles [Delete a custom role](https://docs.thepennyinc.com/platform/api-reference/access/roles/delete.md)
- API Reference > Access > Roles [Update a custom role](https://docs.thepennyinc.com/platform/api-reference/access/roles/update.md)
- API Reference > Access > Roles [Activate a custom role](https://docs.thepennyinc.com/platform/api-reference/access/roles/activate.md)
- API Reference > Access > Roles [Deactivate a custom role](https://docs.thepennyinc.com/platform/api-reference/access/roles/deactivate.md)
- API Reference > Access > Roles > Presets [List preset roles](https://docs.thepennyinc.com/platform/api-reference/access/roles/presets/list.md)
- API Reference > Access > Roles > Presets [Get a preset role](https://docs.thepennyinc.com/platform/api-reference/access/roles/presets/get.md)
- API Reference > Access > Roles > Permissions [Attach a permission to a role](https://docs.thepennyinc.com/platform/api-reference/access/roles/permissions/attach.md)
- API Reference > Access > Roles > Permissions [Detach a permission from a role](https://docs.thepennyinc.com/platform/api-reference/access/roles/permissions/detach.md)
- API Reference > Access > Applications [List applications](https://docs.thepennyinc.com/platform/api-reference/access/applications/list.md)
- API Reference > Access > Applications [Create an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/create.md)
- API Reference > Access > Applications [Get an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/get.md)
- API Reference > Access > Applications [Delete an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/delete.md)
- API Reference > Access > Applications [Update an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/update.md)
- API Reference > Access > Applications [Activate an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/activate.md)
- API Reference > Access > Applications [Deactivate an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/deactivate.md)
- API Reference > Access > Applications [Rotate an application secret](https://docs.thepennyinc.com/platform/api-reference/access/applications/rotate-secret.md)
- API Reference > Access > Applications > Roles [Attach a role to an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/roles/attach.md)
- API Reference > Access > Applications > Roles [Detach a role from an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/roles/detach.md)
- API Reference > Access > Applications > Permissions [Attach a direct permission to an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/permissions/attach.md)
- API Reference > Access > Applications > Permissions [Detach a direct permission from an application](https://docs.thepennyinc.com/platform/api-reference/access/applications/permissions/detach.md)
- API Reference > Accounts > Capital [List capital accounts](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/list.md)
- API Reference > Accounts > Capital [Create a capital account](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/create.md)
- API Reference > Accounts > Capital [Get a capital account](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/get.md)
- API Reference > Accounts > Capital [Delete a capital account](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/delete.md)
- API Reference > Accounts > Capital [Update a capital account](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/update.md)
- API Reference > Accounts > Capital [Transfer between capital accounts](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/transfer.md)
- API Reference > Accounts > Capital [Activate a capital account](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/activate.md)
- API Reference > Accounts > Capital [Deactivate a capital account](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/deactivate.md)
- API Reference > Accounts > Capital > Auto Top Up [Remove a capital account's auto top-up](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/auto-top-up/remove.md)
- API Reference > Accounts > Capital > Auto Top Up [Update a capital account's auto top-up](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/auto-top-up/update.md)
- API Reference > Accounts > Capital > Low Balance Alert [Remove a capital account's low balance alert](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/low-balance-alert/remove.md)
- API Reference > Accounts > Capital > Low Balance Alert [Update a capital account's low balance alert](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/low-balance-alert/update.md)
- API Reference > Accounts > Capital > Spend Control [Assign a spend control to a capital account](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/spend-control/assign.md)
- API Reference > Accounts > Capital > Spend Control [Remove a capital account's spend control](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/spend-control/remove.md)
- API Reference > Accounts > Capital > Ledger [List capital account ledger entries](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/ledger/list.md)
- API Reference > Accounts > Capital > Transactions [List capital account transactions](https://docs.thepennyinc.com/platform/api-reference/accounts/capital/transactions/list.md)
- API Reference > Accounts > Control [List control accounts](https://docs.thepennyinc.com/platform/api-reference/accounts/control/list.md)
- API Reference > Accounts > Control [Create a control account](https://docs.thepennyinc.com/platform/api-reference/accounts/control/create.md)
- API Reference > Accounts > Control [Get a control account](https://docs.thepennyinc.com/platform/api-reference/accounts/control/get.md)
- API Reference > Accounts > Control [Delete a control account](https://docs.thepennyinc.com/platform/api-reference/accounts/control/delete.md)
- API Reference > Accounts > Control [Update a control account](https://docs.thepennyinc.com/platform/api-reference/accounts/control/update.md)
- API Reference > Accounts > Control [Activate a control account](https://docs.thepennyinc.com/platform/api-reference/accounts/control/activate.md)
- API Reference > Accounts > Control [Deactivate a control account](https://docs.thepennyinc.com/platform/api-reference/accounts/control/deactivate.md)
- API Reference > Accounts > Control > Spend Control [Assign a spend control to a control account](https://docs.thepennyinc.com/platform/api-reference/accounts/control/spend-control/assign.md)
- API Reference > Accounts > Control > Spend Control [Remove a control account's spend control](https://docs.thepennyinc.com/platform/api-reference/accounts/control/spend-control/remove.md)
- API Reference > Accounts > Control > Ledger [List control account ledger entries](https://docs.thepennyinc.com/platform/api-reference/accounts/control/ledger/list.md)
- API Reference > Accounts > Control > Transactions [List control account transactions](https://docs.thepennyinc.com/platform/api-reference/accounts/control/transactions/list.md)
- API Reference > Accounts > Linked [List linked accounts](https://docs.thepennyinc.com/platform/api-reference/accounts/linked/list.md)
- API Reference > Accounts > Linked [Create a linked account](https://docs.thepennyinc.com/platform/api-reference/accounts/linked/create.md)
- API Reference > Accounts > Linked [Get a linked account](https://docs.thepennyinc.com/platform/api-reference/accounts/linked/get.md)
- API Reference > Accounts > Linked [Delete a linked account](https://docs.thepennyinc.com/platform/api-reference/accounts/linked/delete.md)
- API Reference > Treasury > Ledger [Get a ledger entry](https://docs.thepennyinc.com/platform/api-reference/treasury/ledger/get.md)
- API Reference > Treasury > Ledger [List ledger entries](https://docs.thepennyinc.com/platform/api-reference/treasury/ledger/list.md)
- API Reference > Treasury > Transactions [Find transactions by client reference](https://docs.thepennyinc.com/platform/api-reference/treasury/transactions/list-by-client-reference.md)
- API Reference > Treasury > Transactions [Get a transaction](https://docs.thepennyinc.com/platform/api-reference/treasury/transactions/get.md)
- API Reference > Treasury > Transactions [Get transaction events](https://docs.thepennyinc.com/platform/api-reference/treasury/transactions/get-events.md)
- API Reference > Treasury > Transactions [Get transaction history](https://docs.thepennyinc.com/platform/api-reference/treasury/transactions/get-history.md)
- API Reference > Treasury > Transactions [List transactions](https://docs.thepennyinc.com/platform/api-reference/treasury/transactions/list.md)
- API Reference > Spend Controls [List spend controls](https://docs.thepennyinc.com/platform/api-reference/spend-controls/list.md)
- API Reference > Spend Controls [Create a spend control](https://docs.thepennyinc.com/platform/api-reference/spend-controls/create.md)
- API Reference > Spend Controls [List spend control rule types](https://docs.thepennyinc.com/platform/api-reference/spend-controls/list-rule-types.md)
- API Reference > Spend Controls [Get a spend control](https://docs.thepennyinc.com/platform/api-reference/spend-controls/get.md)
- API Reference > Spend Controls [Delete a spend control](https://docs.thepennyinc.com/platform/api-reference/spend-controls/delete.md)
- API Reference > Spend Controls [Update a spend control's rules](https://docs.thepennyinc.com/platform/api-reference/spend-controls/update-rules.md)
- API Reference > Spend Controls [Remove a rule from a spend control](https://docs.thepennyinc.com/platform/api-reference/spend-controls/delete-rule.md)
- API Reference > Spend Controls [Activate a spend control](https://docs.thepennyinc.com/platform/api-reference/spend-controls/activate.md)
- API Reference > Spend Controls [Deactivate a spend control](https://docs.thepennyinc.com/platform/api-reference/spend-controls/deactivate.md)
- API Reference > Spend Controls > Associations [Get the spend control governing an object](https://docs.thepennyinc.com/platform/api-reference/spend-controls/associations/get-by-associated-object.md)
- API Reference > Spend Controls > Associations [Remove an object's spend control association](https://docs.thepennyinc.com/platform/api-reference/spend-controls/associations/remove.md)
- API Reference > Spend Controls > Associations [List a spend control's associated objects](https://docs.thepennyinc.com/platform/api-reference/spend-controls/associations/list.md)
- API Reference > Billing > Fees [Get a fee](https://docs.thepennyinc.com/platform/api-reference/billing/fees/get.md)
- API Reference > Billing > Fees [Get fee events](https://docs.thepennyinc.com/platform/api-reference/billing/fees/get-events.md)
- API Reference > Billing > Fees [Get fee history](https://docs.thepennyinc.com/platform/api-reference/billing/fees/get-history.md)
- API Reference > Billing > Fees [List fees](https://docs.thepennyinc.com/platform/api-reference/billing/fees/list.md)
- API Reference > Platform > Notifications > Webhooks [List webhooks](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/list.md)
- API Reference > Platform > Notifications > Webhooks [Create a webhook](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/create.md)
- API Reference > Platform > Notifications > Webhooks [Get a webhook](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/get.md)
- API Reference > Platform > Notifications > Webhooks [Delete a webhook](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/delete.md)
- API Reference > Platform > Notifications > Webhooks [Update a webhook](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/update.md)
- API Reference > Platform > Notifications > Webhooks [Activate a webhook](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/activate.md)
- API Reference > Platform > Notifications > Webhooks [Deactivate a webhook](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/deactivate.md)
- API Reference > Platform > Notifications > Webhooks [Add a webhook signing secret](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/create-signing-secret.md)
- API Reference > Platform > Notifications > Webhooks [Rotate a webhook signing secret](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/rotate-signing-secret.md)
- API Reference > Platform > Notifications > Webhooks [Get webhook history](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/get-history.md)
- API Reference > Platform > Notifications > Webhooks [List deliveries to a webhook](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/list-deliveries.md)
- API Reference > Platform > Notifications > Webhooks > Events [List webhook events](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/events/list.md)
- API Reference > Platform > Notifications > Webhooks > Events [Get a webhook event](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/events/get.md)
- API Reference > Platform > Notifications > Webhooks > Events [Get webhook event history](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/events/get-history.md)
- API Reference > Platform > Notifications > Webhooks > Events [List deliveries of a webhook event](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/events/list-deliveries.md)
- API Reference > Platform > Notifications > Webhooks > Exchanges [List webhook decision exchanges](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/exchanges/list.md)
- API Reference > Platform > Notifications > Webhooks > Exchanges [Get a webhook decision exchange](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/exchanges/get.md)
- API Reference > Platform > Notifications > Webhooks > Trigger Events [Replace webhook trigger events](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/trigger-events/replace.md)
- API Reference > Platform > Notifications > Webhooks > Trigger Events [Remove webhook trigger events](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/trigger-events/remove.md)
- API Reference > Platform > Notifications > Webhooks > Trigger Events [Add webhook trigger events](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/trigger-events/add.md)
- API Reference > Platform > Notifications > Webhooks > Filter Identifiers [Replace webhook filter identifiers](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/filter-identifiers/replace.md)
- API Reference > Platform > Notifications > Webhooks > Filter Identifiers [Remove webhook filter identifiers](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/filter-identifiers/remove.md)
- API Reference > Platform > Notifications > Webhooks > Filter Identifiers [Add webhook filter identifiers](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/filter-identifiers/add.md)
- API Reference > Platform > Notifications > Webhooks > Verification [Initialize webhook verification](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/verification/initialize.md)
- API Reference > Platform > Notifications > Webhooks > Verification [Verify a webhook](https://docs.thepennyinc.com/platform/api-reference/platform/notifications/webhooks/verification/verify.md)
- API Reference > Platform > Tasks [Get a task](https://docs.thepennyinc.com/platform/api-reference/platform/tasks/get.md)
- API Reference > Platform > Tasks [List tasks](https://docs.thepennyinc.com/platform/api-reference/platform/tasks/list.md)
- API Reference > Webhook Payloads > Business [business.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/business/business-created-webhook.md)
- API Reference > Webhook Payloads > Business [business.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/business/business-updated-webhook.md)
- API Reference > Webhook Payloads > Business Entity [business_entity.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/business-entity/business-entity-created-webhook.md)
- API Reference > Webhook Payloads > Business Entity [business_entity.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/business-entity/business-entity-updated-webhook.md)
- API Reference > Webhook Payloads > Business Entity [business_entity.kyb.approved](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/business-entity/business-entity-kyb-approved-webhook.md)
- API Reference > Webhook Payloads > Business Entity [business_entity.kyb.declined](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/business-entity/business-entity-kyb-declined-webhook.md)
- API Reference > Webhook Payloads > User [user.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/user/user-created-webhook.md)
- API Reference > Webhook Payloads > User [user.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/user/user-updated-webhook.md)
- API Reference > Webhook Payloads > Account [account.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/account/account-created-webhook.md)
- API Reference > Webhook Payloads > Account [account.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/account/account-updated-webhook.md)
- API Reference > Webhook Payloads > Account [account.deletion.initialized](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/account/account-deletion-initialized-webhook.md)
- API Reference > Webhook Payloads > Account [account.deletion.completed](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/account/account-deletion-completed-webhook.md)
- API Reference > Webhook Payloads > Account [account.low_balance_alert](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/account/account-low-balance-alert-webhook.md)
- API Reference > Webhook Payloads > Linked Account [linked_account.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/linked-account/linked-account-created-webhook.md)
- API Reference > Webhook Payloads > Linked Account [linked_account.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/linked-account/linked-account-updated-webhook.md)
- API Reference > Webhook Payloads > Cardholder [cardholder.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/cardholder/cardholder-created-webhook.md)
- API Reference > Webhook Payloads > Cardholder [cardholder.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/cardholder/cardholder-updated-webhook.md)
- API Reference > Webhook Payloads > Cardholder [cardholder.deletion.initialized](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/cardholder/cardholder-deletion-initialized-webhook.md)
- API Reference > Webhook Payloads > Cardholder [cardholder.deletion.completed](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/cardholder/cardholder-deletion-completed-webhook.md)
- API Reference > Webhook Payloads > Card [card.issued](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/card/card-issued-webhook.md)
- API Reference > Webhook Payloads > Card [card.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/card/card-updated-webhook.md)
- API Reference > Webhook Payloads > Card [card.terminated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/card/card-terminated-webhook.md)
- API Reference > Webhook Payloads > Card Product [card_product.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/card-product/card-product-created-webhook.md)
- API Reference > Webhook Payloads > Card Product [card_product.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/card-product/card-product-updated-webhook.md)
- API Reference > Webhook Payloads > Spend Control [spend_control.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/spend-control/spend-control-created-webhook.md)
- API Reference > Webhook Payloads > Spend Control [spend_control.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/spend-control/spend-control-updated-webhook.md)
- API Reference > Webhook Payloads > Spend Control [spend_control.deleted](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/spend-control/spend-control-deleted-webhook.md)
- API Reference > Webhook Payloads > Transaction [transaction.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/transaction/transaction-created-webhook.md)
- API Reference > Webhook Payloads > Transaction [transaction.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/transaction/transaction-updated-webhook.md)
- API Reference > Webhook Payloads > Ledger Entry [ledger_entry.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/ledger-entry/ledger-entry-created-webhook.md)
- API Reference > Webhook Payloads > Fee [fee.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/fee/fee-created-webhook.md)
- API Reference > Webhook Payloads > Fee [fee.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/fee/fee-updated-webhook.md)
- API Reference > Webhook Payloads > Task [task.created](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/task/task-created-webhook.md)
- API Reference > Webhook Payloads > Task [task.updated](https://docs.thepennyinc.com/platform/api-reference/webhook-payloads/task/task-updated-webhook.md)

## OpenAPI Specification

The raw OpenAPI 3.1 specification for this API is available at:
- [OpenAPI JSON](https://docs.thepennyinc.com/openapi.json)
- [OpenAPI YAML](https://docs.thepennyinc.com/openapi.yaml)


> **Note:** This page contains both a page directory (above) and the landing page content (below). The page directory is generated for agent use and does not appear on the landing page.

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

# Platform

Platform covers what every integration needs regardless of which product it uses: who can call the API and with what permissions, how to subscribe to webhooks so your integration reacts to changes in real time instead of polling, and how to follow background tasks. The API reference also covers your business profile, configuration defaults, and the fees Penny charges.

Start with [Access Control](/platform/access-control) for how permissions work, then [Webhooks Overview](/platform/webhooks-overview) for how to receive real-time events.