> ## Documentation Index > Fetch the complete documentation index at: https://docs.agentaos.ai/llms.txt > Use this file to discover all available pages before exploring further. # Accept your first payment > Create a product in the dashboard, share its buyer link, pay it yourself in test mode, and see the sale, the VAT, and your net. No code. This guide takes you from no product to a first sale in the dashboard. You create a product, pay for it yourself as a test buyer, and then find the sale, the invoice, and your net amount. Everything runs in **Test mode**, so no real money moves. The full product settings are on the [Products](/payments/payment-links) page. The buyer's checkout, field by field, is on the [Checkouts](/payments/checkouts) page. ## Before you start * An AgentaOS account. Sign up at [app.agentaos.ai](https://app.agentaos.ai). The dashboard opens in **Test mode**. * The test card `4242 4242 4242 4242`, with any future expiry date and any CVC. Type it only into the card form on the checkout page. ## Create the product In the sidebar, click **Products**, then click **New product**. The form opens with the title **Create a new product**. Under **Details**, type a **Product name**, for example `Starter guide`, and a **Description**. The buyer sees both on the checkout. Under **Pricing**, type the price, for example `19`, and pick **EUR** or **USD**. Leave **One-time** selected. Under the price, the form shows what a buyer pays with VAT. For a €19 product, it reads "EU consumers pay €23.56 (€19.00 + €4.56 VAT), you receive €19.00 before fees. Everyone else pays €19.00." Select **Prices include VAT** if your price already contains the VAT. The Create a new product form. Details has the product name Starter guide and the description A 40-page PDF on pricing your first product. Pricing shows 19, EUR, and One-time, the Prices include VAT checkbox, and the line EU consumers pay €23.56 (€19.00 + €4.56 VAT), you receive €19.00 before fees. Everyone else pays €19.00. The Summary on the right shows Buyer pays €19.00. Click **Create product**. The next screen says "Starter guide is live". Live here is the product's word for published. You are still in test mode. The confirmation screen: Starter guide is live. Pay it yourself first. It takes a minute and proves the whole thing works. Below are the button Try a test payment, the line Use card 4242 4242 4242 4242, any future date, any CVC. Nothing is charged, and the buttons Copy link and View product. ## Share the buyer link Click **View product** to open the product's page. Every product has one buyer link, and one link works for every buyer. * **Copy link** copies the buyer link. Send it in an email or a chat, or put it behind a button on your site. * **QR code** shows a code that opens the same link on a phone. * **Preview** opens the checkout in a new tab, the way a buyer sees it. The product page for Starter guide: Active, One-time, EUR, €19.00 one-time, VAT added at checkout, with the buttons Copy link, Edit, Copy to live, Preview, QR code, and Deactivate, and the QR code below them. ## Pay it yourself Click **Preview** on the product's page, or **Try a test payment** on the screen after you create the product. The checkout opens. A banner at the top reads **Test payment · 4242 4242 4242 4242 · any expiry · any CVC**. Type an email such as `buyer@example.com` and pick a **Country**. The order summary on the left adds the tax for that country and shows the **Total due**. The checkout for Starter guide with the Test payment banner at the top. The summary shows Starter guide €19.00, Tax 24% €4.56, and Total due €23.56, and Sold by AgentaOS, merchant of record. The form has the email buyer@example.com, the country Germany, and the button Continue to payment. The 24% is the Estonian rate. The checkout charges it to every EU consumer while AgentaOS sells under the EU distance-selling threshold. See [How tax works](/mor/tax#the-rate-on-eu-sales-today). Click **Continue to payment**. Type `4242 4242 4242 4242` in **Card number**, any future date in **Expiration date**, and any three digits in **Security code**. The Review and pay step: Paying as buyer@example.com, €23.56, Edit details, the Card and Bank transfer options, the card form with Card number, Expiration date, and Security code, Country Germany, and the button Pay €23.56. Click **Pay** followed by the amount, here **Pay €23.56**. ## The buyer's confirmation page The checkout shows **Payment complete** with the amount, the invoice number, and the lines of the invoice. In test mode, it also says "Test payment: no money was paid. This invoice and receipt are not valid." The buyer can click **Download invoice** or **Download receipt**. The Payment complete page: €23.56, Paid to AgencyOne, the notice Test payment: no money was paid. This invoice and receipt are not valid, the invoice TEST-INV-2026-0004 with Starter guide €19.00, Tax 24% €4.56, and Total €23.56, and the buttons Download invoice and Download receipt. The buyer also gets a receipt by email, with the invoice attached. The subject line is "Receipt from" followed by your business name. In test mode, the subject starts with `[TEST]`, and the invoice number starts with `TEST-`. See [Test mode and testing](/getting-started/test-mode#test-invoices-receipts-and-emails) for how each test document is marked. ## See the sale In the sidebar, click **Home**. A strip at the top says "First test sale cleared", and the card under it moves on to **Verify your business**, with **1 of 3 done**. The Home page: Welcome, Fresh Start. A strip says First test sale cleared. The card says Next: Verify your business, with a Start button and 1 of 3 done Click **Transactions**. The sale is at the top of the list as **Received** with the amount the buyer paid. The image below shows an earlier test sale of €12.40. The Transactions page with one row from an earlier test sale: Received +€12.40, Customer, Card via AgentaOS, Clearing, Sep 28, 2026. Click the sale to open it. Under **Buyer & payment**, three rows show where the buyer's money goes: * **VAT** is the tax on the sale. AgentaOS collects and handles it. * **AgentaOS fee** is the fee for the sale. See [Pricing](/mor/pricing). * **Your net** is what is left for you. The sale page: Paid, €23.56, for A 40-page PDF on pricing your first product. Buyer and payment lists Email buyer@example.com, Country Germany, Method Visa 4242, VAT (24%) €4.56, AgentaOS fee €1.91, and Your net €17.09, with the buttons Request refund, View invoice, and View product. Click **Invoices**. The sale's invoice is in the list as **Paid**, with the buyer's email. Open it and click **Download invoice**. The PDF of a test invoice has a **TEST** badge next to its title. The image below shows the invoice for an earlier test sale of €12.40. The Invoices page with one invoice from an earlier test sale: buyer@example.com, INV-2026-0001, Sep 28, 2026, €12.40, Paid. ## From code To create products and checkouts from your server, and to know when a buyer pays, use the SDK: * [Checkouts in the SDK](/sdk/pay-checkouts) * [Payment links in the SDK](/sdk/pay-payment-links) * [Quickstart for developers](/getting-started/quickstart#code-integration) ## Next steps Create a monthly plan with a free trial and take your first subscriber. Verify your business and take real payments. Let your server react when a buyer pays. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.