diff --git a/packages/frontend/app/generated/graphql.ts b/packages/frontend/app/generated/graphql.ts
index cb661f9c18..ded2783b8e 100644
--- a/packages/frontend/app/generated/graphql.ts
+++ b/packages/frontend/app/generated/graphql.ts
@@ -3063,7 +3063,7 @@ export type ListTenantsQueryVariables = Exact<{
 }>;
 
 
-export type ListTenantsQuery = { __typename?: 'Query', tenants: { __typename?: 'TenantsConnection', edges: Array<{ __typename?: 'TenantEdge', node: { __typename?: 'Tenant', id: string, email?: string | null, apiSecret: string, idpConsentUrl?: string | null, idpSecret?: string | null, publicName?: string | null, createdAt: string, deletedAt?: string | null, settings: Array<{ __typename?: 'TenantSetting', key: string, value: string }> } }>, pageInfo: { __typename?: 'PageInfo', startCursor?: string | null, endCursor?: string | null, hasNextPage: boolean, hasPreviousPage: boolean } } };
+export type ListTenantsQuery = { __typename?: 'Query', tenants: { __typename?: 'TenantsConnection', edges: Array<{ __typename?: 'TenantEdge', node: { __typename?: 'Tenant', id: string, email?: string | null, apiSecret: string, idpConsentUrl?: string | null, idpSecret?: string | null, publicName?: string | null, createdAt: string, deletedAt?: string | null, settings: Array<{ __typename?: 'TenantSetting', key: TenantSettingKey, value: string }> } }>, pageInfo: { __typename?: 'PageInfo', startCursor?: string | null, endCursor?: string | null, hasNextPage: boolean, hasPreviousPage: boolean } } };
 
 export type CreateTenantMutationVariables = Exact<{
   input: CreateTenantInput;
@@ -3091,7 +3091,7 @@ export type GetTenantQueryVariables = Exact<{
 }>;
 
 
-export type GetTenantQuery = { __typename?: 'Query', tenant: { __typename?: 'Tenant', id: string, email?: string | null, apiSecret: string, idpConsentUrl?: string | null, idpSecret?: string | null, publicName?: string | null, createdAt: string, deletedAt?: string | null, settings: Array<{ __typename?: 'TenantSetting', key: string, value: string }> } };
+export type GetTenantQuery = { __typename?: 'Query', tenant: { __typename?: 'Tenant', id: string, email?: string | null, apiSecret: string, idpConsentUrl?: string | null, idpSecret?: string | null, publicName?: string | null, createdAt: string, deletedAt?: string | null, settings: Array<{ __typename?: 'TenantSetting', key: TenantSettingKey, value: string }> } };
 
 export type GetWalletAddressQueryVariables = Exact<{
   id: Scalars['String']['input'];
diff --git a/packages/point-of-sale/src/app.ts b/packages/point-of-sale/src/app.ts
index 6e39d9ecb1..5cce04b5f7 100644
--- a/packages/point-of-sale/src/app.ts
+++ b/packages/point-of-sale/src/app.ts
@@ -18,6 +18,7 @@ import {
 } from './merchant/devices/routes'
 import { PosDeviceService } from './merchant/devices/service'
 import { MerchantService } from './merchant/service'
+import { PaymentContext, PaymentRoutes } from './payments/routes'
 
 export interface AppServices {
   logger: Promise<Logger>
@@ -27,6 +28,7 @@ export interface AppServices {
   posDeviceRoutes: Promise<PosDeviceRoutes>
   posDeviceService: Promise<PosDeviceService>
   merchantService: Promise<MerchantService>
+  paymentRoutes: Promise<PaymentRoutes>
 }
 
 export type AppContainer = IocContract<AppServices>
@@ -71,6 +73,7 @@ export class App {
 
     const merchantRoutes = await this.container.use('merchantRoutes')
     const posDeviceRoutes = await this.container.use('posDeviceRoutes')
+    const paymentRoutes = await this.container.use('paymentRoutes')
 
     // POST /merchants
     // Create merchant
@@ -93,6 +96,10 @@ export class App {
       posDeviceRoutes.register
     )
 
+    // POST /payment
+    // Initiate a payment
+    router.post<DefaultState, PaymentContext>('/payment', paymentRoutes.payment)
+
     koa.use(cors())
     koa.use(router.routes())
 
diff --git a/packages/point-of-sale/src/graphql/generated/graphql.ts b/packages/point-of-sale/src/graphql/generated/graphql.ts
index 4b8d3a754b..083be05076 100644
--- a/packages/point-of-sale/src/graphql/generated/graphql.ts
+++ b/packages/point-of-sale/src/graphql/generated/graphql.ts
@@ -191,6 +191,13 @@ export type CancelOutgoingPaymentInput = {
   reason?: InputMaybe<Scalars['String']['input']>;
 };
 
+export type CardDetailsInput = {
+  /** Expire date */
+  expiry: Scalars['String']['input'];
+  /** Signature */
+  signature: Scalars['String']['input'];
+};
+
 export type CreateAssetInput = {
   /** Should be an ISO 4217 currency code whenever possible, e.g. `USD`. For more information, refer to [assets](https://rafiki.dev/overview/concepts/accounting/#assets). */
   code: Scalars['String']['input'];
@@ -278,6 +285,8 @@ export type CreateOutgoingPaymentFromIncomingPaymentInput = {
 };
 
 export type CreateOutgoingPaymentInput = {
+  /** Used for the card service to provide the card expiry and signature */
+  cardDetails?: InputMaybe<CardDetailsInput>;
   /** Unique key to ensure duplicate or retried requests are processed only once. For more information, refer to [idempotency](https://rafiki.dev/apis/graphql/admin-api-overview/#idempotency). */
   idempotencyKey?: InputMaybe<Scalars['String']['input']>;
   /** Additional metadata associated with the outgoing payment. */
@@ -1006,6 +1015,8 @@ export type MutationWithdrawEventLiquidityArgs = {
 
 export type OutgoingPayment = BasePayment & Model & {
   __typename?: 'OutgoingPayment';
+  /** Used for the card service to provide the card expiry and signature */
+  cardDetails?: Maybe<OutgoingPaymentCardDetails>;
   /** Information about the wallet address of the Open Payments client that created the outgoing payment. */
   client?: Maybe<Scalars['String']['output']>;
   /** The date and time that the outgoing payment was created. */
@@ -1040,6 +1051,16 @@ export type OutgoingPayment = BasePayment & Model & {
   walletAddressId: Scalars['ID']['output'];
 };
 
+export type OutgoingPaymentCardDetails = Model & {
+  __typename?: 'OutgoingPaymentCardDetails';
+  createdAt: Scalars['String']['output'];
+  expiry: Scalars['String']['output'];
+  id: Scalars['ID']['output'];
+  outgoingPaymentId: Scalars['ID']['output'];
+  signature: Scalars['String']['output'];
+  updatedAt: Scalars['String']['output'];
+};
+
 export type OutgoingPaymentConnection = {
   __typename?: 'OutgoingPaymentConnection';
   /** A list of outgoing payment edges, containing outgoing payment nodes and cursors for pagination. */
@@ -1511,18 +1532,27 @@ export type TenantMutationResponse = {
 export type TenantSetting = {
   __typename?: 'TenantSetting';
   /** Key for this setting. */
-  key: Scalars['String']['output'];
+  key: TenantSettingKey;
   /** Value of a setting for this key. */
   value: Scalars['String']['output'];
 };
 
 export type TenantSettingInput = {
   /** Key for this setting. */
-  key: Scalars['String']['input'];
+  key: TenantSettingKey;
   /** Value of a setting for this key. */
   value: Scalars['String']['input'];
 };
 
+export enum TenantSettingKey {
+  ExchangeRatesUrl = 'EXCHANGE_RATES_URL',
+  IlpAddress = 'ILP_ADDRESS',
+  WalletAddressUrl = 'WALLET_ADDRESS_URL',
+  WebhookMaxRetry = 'WEBHOOK_MAX_RETRY',
+  WebhookTimeout = 'WEBHOOK_TIMEOUT',
+  WebhookUrl = 'WEBHOOK_URL'
+}
+
 export type TenantsConnection = {
   __typename?: 'TenantsConnection';
   /** A list of edges representing tenants and cursors for pagination. */
@@ -1898,7 +1928,7 @@ export type DirectiveResolverFn<TResult = {}, TParent = {}, TContext = {}, TArgs
 /** Mapping of interface types */
 export type ResolversInterfaceTypes<_RefType extends Record<string, unknown>> = {
   BasePayment: ( Partial<IncomingPayment> ) | ( Partial<OutgoingPayment> ) | ( Partial<Payment> );
-  Model: ( Partial<AccountingTransfer> ) | ( Partial<Asset> ) | ( Partial<Fee> ) | ( Partial<IncomingPayment> ) | ( Partial<OutgoingPayment> ) | ( Partial<Payment> ) | ( Partial<Peer> ) | ( Partial<Tenant> ) | ( Partial<WalletAddress> ) | ( Partial<WalletAddressKey> ) | ( Partial<WebhookEvent> );
+  Model: ( Partial<AccountingTransfer> ) | ( Partial<Asset> ) | ( Partial<Fee> ) | ( Partial<IncomingPayment> ) | ( Partial<OutgoingPayment> ) | ( Partial<OutgoingPaymentCardDetails> ) | ( Partial<Payment> ) | ( Partial<Peer> ) | ( Partial<Tenant> ) | ( Partial<WalletAddress> ) | ( Partial<WalletAddressKey> ) | ( Partial<WebhookEvent> );
 };
 
 /** Mapping between all available schema types and the resolvers types */
@@ -1921,6 +1951,7 @@ export type ResolversTypes = {
   CancelIncomingPaymentInput: ResolverTypeWrapper<Partial<CancelIncomingPaymentInput>>;
   CancelIncomingPaymentResponse: ResolverTypeWrapper<Partial<CancelIncomingPaymentResponse>>;
   CancelOutgoingPaymentInput: ResolverTypeWrapper<Partial<CancelOutgoingPaymentInput>>;
+  CardDetailsInput: ResolverTypeWrapper<Partial<CardDetailsInput>>;
   CreateAssetInput: ResolverTypeWrapper<Partial<CreateAssetInput>>;
   CreateAssetLiquidityWithdrawalInput: ResolverTypeWrapper<Partial<CreateAssetLiquidityWithdrawalInput>>;
   CreateIncomingPaymentInput: ResolverTypeWrapper<Partial<CreateIncomingPaymentInput>>;
@@ -1982,6 +2013,7 @@ export type ResolversTypes = {
   Model: ResolverTypeWrapper<ResolversInterfaceTypes<ResolversTypes>['Model']>;
   Mutation: ResolverTypeWrapper<{}>;
   OutgoingPayment: ResolverTypeWrapper<Partial<OutgoingPayment>>;
+  OutgoingPaymentCardDetails: ResolverTypeWrapper<Partial<OutgoingPaymentCardDetails>>;
   OutgoingPaymentConnection: ResolverTypeWrapper<Partial<OutgoingPaymentConnection>>;
   OutgoingPaymentEdge: ResolverTypeWrapper<Partial<OutgoingPaymentEdge>>;
   OutgoingPaymentFilter: ResolverTypeWrapper<Partial<OutgoingPaymentFilter>>;
@@ -2014,6 +2046,7 @@ export type ResolversTypes = {
   TenantMutationResponse: ResolverTypeWrapper<Partial<TenantMutationResponse>>;
   TenantSetting: ResolverTypeWrapper<Partial<TenantSetting>>;
   TenantSettingInput: ResolverTypeWrapper<Partial<TenantSettingInput>>;
+  TenantSettingKey: ResolverTypeWrapper<Partial<TenantSettingKey>>;
   TenantsConnection: ResolverTypeWrapper<Partial<TenantsConnection>>;
   TransferState: ResolverTypeWrapper<Partial<TransferState>>;
   TransferType: ResolverTypeWrapper<Partial<TransferType>>;
@@ -2065,6 +2098,7 @@ export type ResolversParentTypes = {
   CancelIncomingPaymentInput: Partial<CancelIncomingPaymentInput>;
   CancelIncomingPaymentResponse: Partial<CancelIncomingPaymentResponse>;
   CancelOutgoingPaymentInput: Partial<CancelOutgoingPaymentInput>;
+  CardDetailsInput: Partial<CardDetailsInput>;
   CreateAssetInput: Partial<CreateAssetInput>;
   CreateAssetLiquidityWithdrawalInput: Partial<CreateAssetLiquidityWithdrawalInput>;
   CreateIncomingPaymentInput: Partial<CreateIncomingPaymentInput>;
@@ -2121,6 +2155,7 @@ export type ResolversParentTypes = {
   Model: ResolversInterfaceTypes<ResolversParentTypes>['Model'];
   Mutation: {};
   OutgoingPayment: Partial<OutgoingPayment>;
+  OutgoingPaymentCardDetails: Partial<OutgoingPaymentCardDetails>;
   OutgoingPaymentConnection: Partial<OutgoingPaymentConnection>;
   OutgoingPaymentEdge: Partial<OutgoingPaymentEdge>;
   OutgoingPaymentFilter: Partial<OutgoingPaymentFilter>;
@@ -2392,7 +2427,7 @@ export type LiquidityMutationResponseResolvers<ContextType = any, ParentType ext
 };
 
 export type ModelResolvers<ContextType = any, ParentType extends ResolversParentTypes['Model'] = ResolversParentTypes['Model']> = {
-  __resolveType: TypeResolveFn<'AccountingTransfer' | 'Asset' | 'Fee' | 'IncomingPayment' | 'OutgoingPayment' | 'Payment' | 'Peer' | 'Tenant' | 'WalletAddress' | 'WalletAddressKey' | 'WebhookEvent', ParentType, ContextType>;
+  __resolveType: TypeResolveFn<'AccountingTransfer' | 'Asset' | 'Fee' | 'IncomingPayment' | 'OutgoingPayment' | 'OutgoingPaymentCardDetails' | 'Payment' | 'Peer' | 'Tenant' | 'WalletAddress' | 'WalletAddressKey' | 'WebhookEvent', ParentType, ContextType>;
   createdAt?: Resolver<ResolversTypes['String'], ParentType, ContextType>;
   id?: Resolver<ResolversTypes['ID'], ParentType, ContextType>;
 };
@@ -2439,6 +2474,7 @@ export type MutationResolvers<ContextType = any, ParentType extends ResolversPar
 };
 
 export type OutgoingPaymentResolvers<ContextType = any, ParentType extends ResolversParentTypes['OutgoingPayment'] = ResolversParentTypes['OutgoingPayment']> = {
+  cardDetails?: Resolver<Maybe<ResolversTypes['OutgoingPaymentCardDetails']>, ParentType, ContextType>;
   client?: Resolver<Maybe<ResolversTypes['String']>, ParentType, ContextType>;
   createdAt?: Resolver<ResolversTypes['String'], ParentType, ContextType>;
   debitAmount?: Resolver<ResolversTypes['Amount'], ParentType, ContextType>;
@@ -2458,6 +2494,16 @@ export type OutgoingPaymentResolvers<ContextType = any, ParentType extends Resol
   __isTypeOf?: IsTypeOfResolverFn<ParentType, ContextType>;
 };
 
+export type OutgoingPaymentCardDetailsResolvers<ContextType = any, ParentType extends ResolversParentTypes['OutgoingPaymentCardDetails'] = ResolversParentTypes['OutgoingPaymentCardDetails']> = {
+  createdAt?: Resolver<ResolversTypes['String'], ParentType, ContextType>;
+  expiry?: Resolver<ResolversTypes['String'], ParentType, ContextType>;
+  id?: Resolver<ResolversTypes['ID'], ParentType, ContextType>;
+  outgoingPaymentId?: Resolver<ResolversTypes['ID'], ParentType, ContextType>;
+  signature?: Resolver<ResolversTypes['String'], ParentType, ContextType>;
+  updatedAt?: Resolver<ResolversTypes['String'], ParentType, ContextType>;
+  __isTypeOf?: IsTypeOfResolverFn<ParentType, ContextType>;
+};
+
 export type OutgoingPaymentConnectionResolvers<ContextType = any, ParentType extends ResolversParentTypes['OutgoingPaymentConnection'] = ResolversParentTypes['OutgoingPaymentConnection']> = {
   edges?: Resolver<Array<ResolversTypes['OutgoingPaymentEdge']>, ParentType, ContextType>;
   pageInfo?: Resolver<ResolversTypes['PageInfo'], ParentType, ContextType>;
@@ -2633,7 +2679,7 @@ export type TenantMutationResponseResolvers<ContextType = any, ParentType extend
 };
 
 export type TenantSettingResolvers<ContextType = any, ParentType extends ResolversParentTypes['TenantSetting'] = ResolversParentTypes['TenantSetting']> = {
-  key?: Resolver<ResolversTypes['String'], ParentType, ContextType>;
+  key?: Resolver<ResolversTypes['TenantSettingKey'], ParentType, ContextType>;
   value?: Resolver<ResolversTypes['String'], ParentType, ContextType>;
   __isTypeOf?: IsTypeOfResolverFn<ParentType, ContextType>;
 };
@@ -2792,6 +2838,7 @@ export type Resolvers<ContextType = any> = {
   Model?: ModelResolvers<ContextType>;
   Mutation?: MutationResolvers<ContextType>;
   OutgoingPayment?: OutgoingPaymentResolvers<ContextType>;
+  OutgoingPaymentCardDetails?: OutgoingPaymentCardDetailsResolvers<ContextType>;
   OutgoingPaymentConnection?: OutgoingPaymentConnectionResolvers<ContextType>;
   OutgoingPaymentEdge?: OutgoingPaymentEdgeResolvers<ContextType>;
   OutgoingPaymentResponse?: OutgoingPaymentResponseResolvers<ContextType>;
@@ -3016,7 +3063,7 @@ export type ListTenantsQueryVariables = Exact<{
 }>;
 
 
-export type ListTenantsQuery = { __typename?: 'Query', tenants: { __typename?: 'TenantsConnection', edges: Array<{ __typename?: 'TenantEdge', node: { __typename?: 'Tenant', id: string, email?: string | null, apiSecret: string, idpConsentUrl?: string | null, idpSecret?: string | null, publicName?: string | null, createdAt: string, deletedAt?: string | null } }>, pageInfo: { __typename?: 'PageInfo', startCursor?: string | null, endCursor?: string | null, hasNextPage: boolean, hasPreviousPage: boolean } } };
+export type ListTenantsQuery = { __typename?: 'Query', tenants: { __typename?: 'TenantsConnection', edges: Array<{ __typename?: 'TenantEdge', node: { __typename?: 'Tenant', id: string, email?: string | null, apiSecret: string, idpConsentUrl?: string | null, idpSecret?: string | null, publicName?: string | null, createdAt: string, deletedAt?: string | null, settings: Array<{ __typename?: 'TenantSetting', key: TenantSettingKey, value: string }> } }>, pageInfo: { __typename?: 'PageInfo', startCursor?: string | null, endCursor?: string | null, hasNextPage: boolean, hasPreviousPage: boolean } } };
 
 export type CreateTenantMutationVariables = Exact<{
   input: CreateTenantInput;
@@ -3044,7 +3091,7 @@ export type GetTenantQueryVariables = Exact<{
 }>;
 
 
-export type GetTenantQuery = { __typename?: 'Query', tenant: { __typename?: 'Tenant', id: string, email?: string | null, apiSecret: string, idpConsentUrl?: string | null, idpSecret?: string | null, publicName?: string | null, createdAt: string, deletedAt?: string | null } };
+export type GetTenantQuery = { __typename?: 'Query', tenant: { __typename?: 'Tenant', id: string, email?: string | null, apiSecret: string, idpConsentUrl?: string | null, idpSecret?: string | null, publicName?: string | null, createdAt: string, deletedAt?: string | null, settings: Array<{ __typename?: 'TenantSetting', key: TenantSettingKey, value: string }> } };
 
 export type GetWalletAddressQueryVariables = Exact<{
   id: Scalars['String']['input'];
diff --git a/packages/point-of-sale/src/index.ts b/packages/point-of-sale/src/index.ts
index 36b2a092e4..040e437039 100644
--- a/packages/point-of-sale/src/index.ts
+++ b/packages/point-of-sale/src/index.ts
@@ -20,7 +20,9 @@ import { createPosDeviceService } from './merchant/devices/service'
 import { createMerchantRoutes } from './merchant/routes'
 import { createPaymentService } from './payments/service'
 import { createPosDeviceRoutes } from './merchant/devices/routes'
+import { createPaymentRoutes } from './payments/routes'
 import axios from 'axios'
+import { createCardServiceClient } from './card-service-client/client'
 
 export function initIocContainer(
   config: typeof Config
@@ -183,13 +185,17 @@ export function initIocContainer(
     async (deps: IocContract<AppServices>) => {
       const logger = await deps.use('logger')
       const knex = await deps.use('knex')
-      return await createPosDeviceService({
-        logger,
-        knex
-      })
+      return await createPosDeviceService({ logger, knex })
     }
   )
 
+  container.singleton('cardServiceClient', async (deps) => {
+    return createCardServiceClient({
+      logger: await deps.use('logger'),
+      axios: await deps.use('axios')
+    })
+  })
+
   container.singleton('posDeviceRoutes', async (deps) =>
     createPosDeviceRoutes({
       logger: await deps.use('logger'),
@@ -197,6 +203,14 @@ export function initIocContainer(
     })
   )
 
+  container.singleton('paymentRoutes', async (deps) => {
+    return createPaymentRoutes({
+      logger: await deps.use('logger'),
+      paymentService: await deps.use('paymentClient'),
+      cardServiceClient: await deps.use('cardServiceClient')
+    })
+  })
+
   return container
 }
 
diff --git a/packages/point-of-sale/src/payments/routes.test.ts b/packages/point-of-sale/src/payments/routes.test.ts
new file mode 100644
index 0000000000..afbe232d4c
--- /dev/null
+++ b/packages/point-of-sale/src/payments/routes.test.ts
@@ -0,0 +1,128 @@
+import { IocContract } from '@adonisjs/fold'
+import { initIocContainer } from '..'
+import { AppServices } from '../app'
+import { Config } from '../config/app'
+import { TestContainer, createTestApp } from '../tests/app'
+import { PaymentContext, PaymentRoutes } from './routes'
+import { truncateTables } from '../tests/tableManager'
+import { PaymentService } from './service'
+import { CardServiceClient, Result } from '../card-service-client/client'
+import { createContext } from '../tests/context'
+import { CardServiceClientError } from '../card-service-client/errors'
+
+describe('Payment Routes', () => {
+  let deps: IocContract<AppServices>
+  let appContainer: TestContainer
+  let paymentRoutes: PaymentRoutes
+  let paymentService: PaymentService
+  let cardServiceClient: CardServiceClient
+
+  beforeAll(async () => {
+    deps = initIocContainer(Config)
+    appContainer = await createTestApp(deps)
+    paymentService = await deps.use('paymentClient')
+    cardServiceClient = await deps.use('cardServiceClient')
+    paymentRoutes = await deps.use('paymentRoutes')
+  })
+
+  beforeEach(() => {
+    jest.clearAllMocks()
+  })
+
+  afterEach(async (): Promise<void> => {
+    await truncateTables(deps)
+  })
+
+  afterAll(async (): Promise<void> => {
+    await appContainer.shutdown()
+  })
+
+  describe('payment', () => {
+    test('returns 200 with result approved', async () => {
+      const ctx = createPaymentContext()
+      mockPaymentService()
+      jest
+        .spyOn(cardServiceClient, 'sendPayment')
+        .mockResolvedValueOnce(Result.APPROVED)
+
+      await paymentRoutes.payment(ctx)
+      expect(ctx.response.body).toBe(Result.APPROVED)
+      expect(ctx.status).toBe(200)
+    })
+
+    test('returns 401 with result card_expired or invalid_signature', async () => {
+      const ctx = createPaymentContext()
+      mockPaymentService()
+      jest
+        .spyOn(cardServiceClient, 'sendPayment')
+        .mockResolvedValueOnce(Result.CARD_EXPIRED)
+
+      await paymentRoutes.payment(ctx)
+      expect(ctx.response.body).toBe(Result.CARD_EXPIRED)
+      expect(ctx.status).toBe(401)
+    })
+
+    test('returns cardService error code when thrown', async () => {
+      const ctx = createPaymentContext()
+      mockPaymentService()
+      jest
+        .spyOn(cardServiceClient, 'sendPayment')
+        .mockRejectedValue(new CardServiceClientError('Some error', 404))
+      await paymentRoutes.payment(ctx)
+      expect(ctx.response.body).toBe('Some error')
+      expect(ctx.status).toBe(404)
+    })
+
+    test('returns 400 when there is a paymentService error', async () => {
+      const ctx = createPaymentContext()
+      jest
+        .spyOn(paymentService, 'getWalletAddress')
+        .mockRejectedValueOnce(new Error('Wallet address error'))
+      await paymentRoutes.payment(ctx)
+      expect(ctx.response.body).toBe('Wallet address error')
+      expect(ctx.status).toBe(400)
+    })
+
+    test('returns 500 when an unknown error is thrown', async () => {
+      const ctx = createPaymentContext()
+      jest
+        .spyOn(paymentService, 'getWalletAddress')
+        .mockRejectedValueOnce('Unknown error')
+      await paymentRoutes.payment(ctx)
+      expect(ctx.response.body).toBe('Unknown error')
+      expect(ctx.status).toBe(500)
+    })
+
+    function mockPaymentService() {
+      jest.spyOn(paymentService, 'getWalletAddress').mockResolvedValueOnce({
+        id: 'id',
+        assetCode: 'USD',
+        assetScale: 1,
+        authServer: 'authServer',
+        resourceServer: 'resourceServer',
+        cardService: 'cardService'
+      })
+      jest
+        .spyOn(paymentService, 'createIncomingPayment')
+        .mockResolvedValueOnce('incoming-payment-url')
+    }
+  })
+})
+
+function createPaymentContext() {
+  return createContext<PaymentContext>({
+    headers: { Accept: 'application/json' },
+    method: 'POST',
+    url: `/payment`,
+    body: {
+      card: {
+        walletAddress: 'wallet-address',
+        trasactionCounter: 0,
+        expiry: new Date(new Date().getDate() + 1)
+      },
+      signature: 'signature',
+      value: 100,
+      merchantWalletAddress: 'merchant-wallet-address'
+    }
+  })
+}
diff --git a/packages/point-of-sale/src/payments/routes.ts b/packages/point-of-sale/src/payments/routes.ts
new file mode 100644
index 0000000000..66c84d87dc
--- /dev/null
+++ b/packages/point-of-sale/src/payments/routes.ts
@@ -0,0 +1,93 @@
+import { AppContext } from '../app'
+import { CardServiceClient, Result } from '../card-service-client/client'
+import { AmountInput } from '../graphql/generated/graphql'
+import { BaseService } from '../shared/baseService'
+import { PaymentService } from './service'
+import { CardServiceClientError } from '../card-service-client/errors'
+
+interface ServiceDependencies extends BaseService {
+  paymentService: PaymentService
+  cardServiceClient: CardServiceClient
+}
+
+export type PaymentBody = {
+  card: {
+    walletAddress: string
+    trasactionCounter: number
+    expiry: Date
+  }
+  signature: string
+  value: bigint
+  merchantWalletAddress: string
+}
+type PaymentRequest = Exclude<AppContext['request'], 'body'> & {
+  body: PaymentBody
+}
+
+export type PaymentContext = Exclude<AppContext, 'request'> & {
+  request: PaymentRequest
+}
+
+export interface PaymentRoutes {
+  payment(ctx: PaymentContext): Promise<void>
+}
+
+export function createPaymentRoutes(deps_: ServiceDependencies): PaymentRoutes {
+  const log = deps_.logger.child({
+    service: 'PaymentRoutes'
+  })
+
+  const deps = {
+    ...deps_,
+    logger: log
+  }
+
+  return {
+    payment: (ctx: PaymentContext) => payment(deps, ctx)
+  }
+}
+
+async function payment(
+  deps: ServiceDependencies,
+  ctx: PaymentContext
+): Promise<void> {
+  const body = ctx.request.body
+  try {
+    const walletAddress = await deps.paymentService.getWalletAddress(
+      body.card.walletAddress
+    )
+    const incomingAmount: AmountInput = {
+      assetCode: walletAddress.assetCode,
+      assetScale: walletAddress.assetScale,
+      value: body.value
+    }
+    const incomingPaymentUrl = await deps.paymentService.createIncomingPayment(
+      walletAddress.id,
+      incomingAmount
+    )
+    const result = await deps.cardServiceClient.sendPayment({
+      merchantWalletAddress: body.merchantWalletAddress,
+      incomingPaymentUrl,
+      date: new Date(),
+      signature: body.signature,
+      card: body.card
+    })
+
+    ctx.body = result
+    ctx.status = result === Result.APPROVED ? 200 : 401
+  } catch (err) {
+    const { body, status } = handlePaymentError(err)
+    ctx.body = body
+    ctx.status = status
+  }
+}
+
+function handlePaymentError(err: unknown) {
+  if (err instanceof CardServiceClientError) {
+    return { body: err.message, status: err.status }
+  }
+  if (err instanceof Error) {
+    return { body: err.message, status: 400 }
+  }
+  return { body: err, status: 500 }
+}