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

# FAQ

> Common questions from banks evaluating or onboarding Paylead: pricing, integration, data handling, and operations.

This page answers the questions partner banks ask most often during evaluation and onboarding. For specifics tied to your contract or use case, contact your Paylead account manager.

## Business and pricing

<AccordionGroup>
  <Accordion title="What does Paylead cost?">
    Pricing depends on Program scope, transaction volume, and use case. Contact your Paylead account manager for a tailored proposal.
  </Accordion>

  <Accordion title="How long does integration take?">
    A standard integration takes a few weeks for the API layer and a few additional weeks for production validation and Consumer onboarding. Timelines vary with internal review cycles and specific development. 
  </Accordion>

  <Accordion title="Which countries does Paylead operate in?">
    Paylead operates across the Eurozone today. Reach out to your account manager for the current list of supported markets.
  </Accordion>
</AccordionGroup>

## Integration and tech

<AccordionGroup>
  <Accordion title="Do we have to host anything?">
    No. Paylead is a SaaS platform. Your bank calls REST APIs and consumes [Webhooks](/program/user-journey/concepts/webhooks). In some cases you may also use our white-labelled [WebApp](/program/user-journey/concepts/web-app) as a touchpoint in your own mobile app. 
  </Accordion>

  <Accordion title="What is the latency between a card payment and a Reward visible to the Consumer?">
    On Cashback or Loyalty reward, latency depends on how often you push transactions to Paylead. The more frequent your integration's cadence, the closer to real-time the Consumer experience feels. Most Rewards surface as pending within minutes after Offer usage.
  </Accordion>

  <Accordion title="Can we customize Cashback rates per Consumer Segment?">
    Yes. [Offers](/glossary#offer) can be scoped to specific [Segments](/glossary#segment) and [Campaigns](/glossary#campaign), allowing different Cashback rates per audience, for example on Premium users.
  </Accordion>

  <Accordion title="Is the sandbox a full replica of production?">
    Yes. The Paylead sandbox exposes the same endpoints, payloads, and behaviors as production. The only differences are isolation (no real payouts), a separate base URL and Offer contents. See [Environments](/program/user-journey/environments).
  </Accordion>
</AccordionGroup>

## Operations

<AccordionGroup>
  <Accordion title="What happens if a transaction is reversed or refunded?">
    Paylead handles refunds as part of normal transaction processing.
  </Accordion>

  <Accordion title="How do we monitor our Program in production?">
    Use [Shift](/glossary#shift) for the day-to-day back-office view (Offers, Campaigns, Consumers, Rewards),  and the [Reporting guide](/program/user-journey/guides/reporting) for KPIs and exports.
  </Accordion>

  <Accordion title="What support does Paylead provide post-launch?">
    Each Program has a dedicated customer success manager who handles Program performance reviews. Specifics are defined in your contract.
  </Accordion>
</AccordionGroup>

## What's next

<CardGroup cols={2}>
  <Card title="Security" icon="shield-half" href="/program/user-journey/security">
    Data protection and regulatory compliance for your integration.
  </Card>

  <Card title="API reference" icon="code" href="/program/api/releases">
    Browse the Program API endpoints and download the OpenAPI specs.
  </Card>
</CardGroup>