The Checkout Flow

  • Overview of PaymentSession details
  • Enter phone number (and receive 'one time code')
  • Select preferred Provider
  • Use Provider's secure authentication flow (web or mobile app)
  • Select account and approve the payment
  • Success or failure web page

Provider Authentication

Once a Payer selects a Provider we direct them to the specific authentication flow provided by that bank in order to securely authorise payment. These differ for each bank.

If the Payer has more than one account with the Provider they will select their preferred source of funds, then authorise the payment.


This is almost always available as part of a bank's 'internet banking' offering. This doesn't normally involve the use of a card reader and is how many of your customers will authenticate bank payments.

Mobile App

If the PaymentSession URL is opened on a mobile device and the Checkout flow initiated from there, the Provider authentication flow may be performed using the provider's mobile app (if installed).

This often means authentication can be performed quickly using biometrics (fingerprint/facial recognition) or a PIN code if the customer has set this up.

If a Provider operates exclusively via a mobile app (e.g. Monzo or Starling) there is a common scenario where a Payer may begin to Checkout on their desktop browser but are required to complete the authorisation using the Provider's mobile app.

This normally involves scanning a QR code (or similar) to 'hand-off' the authentication and authorisation steps to the mobile app.

An example of 'Web to App' hand-off for authentication

Success & Error URLs

If you provide success_url and error_url when generating a PaymentSession the customer will be re-directed to one of these depending on the status of the Checkout once the flow is completed.