# Overview

Limited Availability
Not all features are available in all jurisdictions.

Ripple Collections allows you to collect payments on behalf of your customers. You can manage virtual accounts and payment transfers and enable integration with your existing systems.
By using this API, you can programmatically create payment links for your users, track the status of payments, and manage your partners (payers and beneficiaries).

## Not sure where to start?

Developer
Get your credentials, make your first authenticated call, then work through the guides.

Architect / Technical PM
Per-resource explanations of partners, accounts, collections, channels, transactions, settlements,
and webhooks, and how they relate to each other.

## Key features

Ripple Collections consists of these key features:

- **Accounts and virtual wallets**: Create and manage payment accounts with unique virtual accounts or deposit addresses for each of your customers and their end-users. This allows for automated reconciliation, as incoming funds are instantly matched to the correct party.
- **Automated reconciliation**: Every collection is tied to a specific account and beneficiary. When a payment is made, the system automatically credits the correct account's sub-ledger.
- **Secure payment collections**: Create and manage payment links for collecting funds. Each collection has a unique ID which you can track from creation to completion. You can also cancel collections as needed.
- **Partner management**: Create and manage the entities (businesses or individuals) involved in your transactions. This includes payers (the source of funds) and beneficiaries (the recipients of funds).
- **Real-time visibility**: Gain real-time insight into the status of all your collections and payments. You can get detailed information on each transaction, including amounts, currencies, fees, and timestamps.