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

# Merchant acceptance

> Accept any tokenized currency from your buyers — regardless of which rail or token they're sending from.

## Overview

Your buyer has USDC on one rail. You settle in USDT on another. Traditionally, that mismatch means either the buyer can't pay or you take on conversion and multi-rail overhead. With Atum, your buyer sends what they have and you receive what you want.

<CardGroup cols={3}>
  <Card title="Commerce platforms" icon="store">
    Accept tokenized currency without dictating which rail or token the buyer uses.
  </Card>

  <Card title="Payment service providers" icon="credit-card">
    Add multi-rail tokenized currency acceptance to checkout products.
  </Card>

  <Card title="B2B platforms" icon="handshake">
    Accept invoiced payments from counterparties on different rails.
  </Card>
</CardGroup>

## Problem space

Atum solves:

* Rail lock-in — buyers on other rails can't pay
* Token mismatch between buyer and merchant
* Multiple rail integrations, accounts, and maintenance

## How it works

Your checkout or invoice flow initiates a payment request through the Atum Payment Gateway. Atum finds a settlement provider who bridges from the buyer's rail to yours and delivers your preferred token to your account.

## Shared responsibility

Atum handles the routing and conversion — you specify what you want to receive.

| You                                                              | Atum                                          |
| ---------------------------------------------------------------- | --------------------------------------------- |
| Initiate the payment request with source and destination details | Routes to a settlement provider for the route |
| Specify the token and rail you want to receive on                | Executes cross-rail delivery                  |
| Display confirmation to the buyer                                | Returns a settlement receipt                  |

## Try it

<CardGroup cols={2}>
  <Card title="Try it (CLI)" icon="terminal" href="/get-started/start-building/using-the-cli">
    Send a payment from your terminal in minutes
  </Card>

  <Card title="Integrate (SDK)" icon="code" href="/get-started/start-building/build-with-the-sdk">
    Add payments to your backend service
  </Card>
</CardGroup>

## Next steps

* [Agentic payouts](/get-started/use-cases/agentic-payouts) — autonomous agents that trigger payments programmatically
* [Build with the SDK](/get-started/start-building/build-with-the-sdk) — integrate Atum into your checkout or platform