One API.
Zero folklore.

# One call: charge, split, reserve. Idempotent by design.
curl https://api.veloqen.com/v1/payments \
  -u sk_live_…: \
  -H "Idempotency-Key: bk_58291" \
  -d amount=240000 \
  -d currency=EUR \
  -d payment_method=pm_card_tok_81aa \
  -d capture=on_confirmation \
  -d splits[0][account]=acct_supplier_81 \
  -d splits[0][amount]=198000 \
  -d reserve[amount]=6000 \
  -d metadata[booking]=BK-58291

{
  "id": "pay_9f27c1",
  "status": "authorized",
  "amount": 240000,
  "currency": "EUR",
  "route": { "acquirer": "acq_b", "attempts": 2 },
  "authentication": { "threeds": "frictionless" },
  "splits": [
    { "account": "acct_supplier_81", "amount": 198000 }
  ],
  "reserve": { "amount": 6000, "release_after": "P90D" },
  "ledger_entries": 4,
  "livemode": true
}

# Every event, signed. Verify in one line with our SDKs.
POST https://yourapp.com/webhooks/veloqen
Veloqen-Signature: t=1791712931,v1=5f8a…

{
  "type": "payment.captured",
  "id": "evt_71b2c9",
  "data": { "payment": "pay_9f27c1", "amount": 240000 },
  "attempt": 1
}