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Networks fail. If a request times out you cannot know whether it ran, so you need to send it again without risk. Send an Idempotency-Key header with a value of your own, up to 255 characters, unique per operation: your order id is ideal.
POST /v1/payins and POST /v1/payouts require one; every other write accepts one. Keys are kept for 24 hours, separately for each account and for test and live mode.
Retry with the same key and the same body. A new key means a new payment.