> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://citi-demo.ferndocs.com/consumer/api-docs/payments/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://citi-demo.ferndocs.com/consumer/_mcp/server.

# Payments & Transfers

## Docs

- [Send Money](https://citi-demo.ferndocs.com/consumer/api-docs/payments/send-money.md): Let customers send money person-to-person using just an email address or mobile number.
- [Bill Pay](https://citi-demo.ferndocs.com/consumer/api-docs/payments/bill-pay.md): Let customers add payees, schedule one-time or recurring bill payments, and track their status.
- [Transfers](https://citi-demo.ferndocs.com/consumer/api-docs/payments/transfers.md): Move money between a customer's own Citi accounts or to and from linked external bank accounts.