# Account to Account Commerce for Creditor Service Providers
source: https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/index.md

### Overview {#overview}

Online checkouts can be frustrating and tedious. As shopping habits shift to digital, consumers and merchants require secure and streamlined online experiences.   

Mastercard Account to Account Commerce enables creditor service providers (CSP) to provide their creditors (merchants) and debtors (consumers) with an intuitive checkout experience that will improve the overall online payments experience, reduce friction at checkout, and improve customer conversions.   

Through Account to Account Commerce, creditors can initiate payment requests, offer refunds, and offer account-on-file services to debtors of participating debtor service providers.   

### How It Works {#how-it-works}

Account to Account Commerce is ideal for creditors from a wide range of industries who are trying to create their own digital checkout and payment experience. Whether your creditor's industry is food delivery, online retail, bill payment, or ride-hailing, Account to Account Commerce can enable a seamless payment checkout and a conversion-optimized experience for their business. Account to Account Commerce APIs can be used within a website or mobile app.   

![](https://static.developer.mastercard.com/content/account-to-account-commerce-for-csp/documentation/images/how-it-works-csp-1.png)
Account to Account Commerce's flexible set of features makes it easy to build a first-class payment experience. It works across devices and can help a creditor increase their end-customer conversion:   

1. **Account on File** - Creditors can offer their end customers, also known as debtors or consumers, the ability to link their creditor account to their debtor service provider account. Debtors have the flexibility to view their linked accounts and can delete them after they are established.  

2. **Payments** - Creditors can offer existing and new debtors flexible ways to pay, whether they are using an account on file, guest checkout, or recurring payments.   

3. **Refunds** - Creditors can initiate refunds or respond to refund requests from debtors.   

4. **Status Retrievals** - Creditors can request the status of an active payment and agreement.   

5. **Information Exchange Service** - Information Exchange between creditor service provider and debtor service provider to support remittance payment.   

### Next Steps {#next-steps}

1. Look at the [Use Cases](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/use-cases/index.md) section to understand the various operations supported for creditor service providers.
2. Refer to the [API Basics](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/api-basics/index.md) page to understand the Mastercard environments and the required project keys.  
3. When you are ready to use the API, see [Getting Started](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/getting-started/index.md) for information on the onboarding process, pre-requisites, and requirements.   
4. Use the [API Reference](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/api-reference/index.md) section for details on environmental domains and specifications for each APIs.   
5. Use the [Reference app](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/reference-app/index.md) section in order to test the API and view a few sample codes.   
6. For error code values and descriptions, HTTP response codes, Business Rule errors, and fixed Enum values per API, see the [Code and Formats](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/code-and-formats/index.md) page.   
7. For information on testing and test cases for each API, visit the [Testing](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/testing/index.md) page.  
8. For FAQs, visit the [Support](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/support/index.md) page.