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

# Use cases

> This page lists some of the most popular use cases so you get an idea of all the ways we can help you facilitate payments

<Note>
  Your users need to have an active Ziina wallet for you to perform actions on their behalf in your application
</Note>

## How can my users get paid to their Ziina wallets inside my app?

1. Obtain a Bearer Authorization token for your user via the [OAuth 2.0 flow](/developers/oauth-2.0)
2. Use this token to [create payment intent](/api-reference/payment-intent/create) on user's behalf
3. The `payment intent` we provide in the response will include a `redirect_url` - the payment link for the payer
4. Redirect the payer to the `redirect_url` to complete the transaction
5. Optional: to add your service charge [transfer funds](/api-reference/transfer/create) to your business account

## How can my users transfer money inside my app?

1. Obtain a Bearer Authorization token for your user via the [OAuth 2.0 flow](/developers/oauth-2.0)
2. Call the [transfer](/api-reference/transfer/create) endpoint

## How can I automatically issue refunds in my application?

1. You need to obtain the token either for [your business](https://ziina.com/business/connect) or for [your users](/developers/oauth-2.0), depending on who will be issuing refunds
2. Call the [issue refund](/api-reference/refund/create) endpoint

## How can I perform money disbursements in my app?

1. You need to obtain the token for [your business](https://ziina.com/business/connect)
2. You need to call the [transfer](/api-reference/transfer/create) endpoint with the accountIds (`to_account_ids`) or ziinames (`to_ziinames`) you want to send money to

## What if a user doesn't have a Ziina account and tries to log in with Ziina in my app?

Their account will be created automatically during the connection process. The account status will be set to `onboarding`, which means they will not be able to accept payments or transfer money until they download the Ziina app and complete onboarding.

## Need help?

If you have questions, visit our [help center](https://ziina.com/help-center) or contact us at [support@ziina.com](mailto:support@ziina.com).