# Mastercard Open Finance Pay
source: https://developer.mastercard.com/ob-accept-payments/documentation/index.md

Mastercard Open Finance Pay enables you to accept one-off or recurring payments from consumers using a unified API.
You can accept payments for your own account or for multiple
Merchants. Open Finance Pay supports reports, refunds, one-off payment
links and a streamlined return user experience for repeat customers.

#### API Basics {#api-basics}

Onboarding, authentication, environments and other essentials.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/api-basics/index.md)

#### Quick Start Guide {#quick-start-guide}

Learn key concepts and the steps to integrate with the API.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/quickstart/index.md)

#### Use Cases {#use-cases}

High-level descriptions of common scenarios you can build.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/use-cases/index.md)

## Payments {#payments}

#### Single Immediate Payments {#single-immediate-payments}

Accept one-off payments directly from your consumer's bank account, with the consumer authorizing each payment.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/payments/single-immediate-payments/single-immediate-payments/index.md)

#### Variable Recurring Payments {#variable-recurring-payments}

Link a consumer's bank account through a mandate and accept recurring payments of variable amounts.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/payments/vrp/vrp/index.md)

#### Refunds {#refunds}

Return funds to a consumer, or retrieve their source account to refund outside the solution.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/payments/refunds/index.md)

#### Reports {#reports}

Access daily transaction data for payments, refunds, mandates and settlements to reconcile your accounts.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/payments/reports/index.md)

#### Merchant Onboarding {#merchant-onboarding}

Onboard your merchants and manage their payment destination accounts through the API.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/payments/merchant-onboarding/index.md)

## Features {#features}

#### Payment Links {#payment-links}

Accept one-off payments through a long-lived link, without building your own checkout.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/features/payment-links/index.md)

#### Return User Experience {#return-user-experience}

Speed up repeat payments with passkeys, pre-selected source accounts and remembered payers.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/features/return-user-experience/index.md)

## Get Building {#get-building}

#### API Reference {#api-reference}

Full documentation for all Mastercard Open Finance Pay endpoints.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/api-reference/index.md)

#### Tutorials {#tutorials}

Step-by-step guides for creating mandates, payments, refunds and more.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/tutorials-and-guides/index.md)

#### Testing and Integration {#testing-and-integration}

Test banks, SDKs and Postman collections to validate your integration.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/testing-and-integration/index.md)

#### Webhooks {#webhooks}

Receive real-time notifications when the status of a payment changes.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/event-notifications/index.md)

#### Glossary {#glossary}

Learn about the terminology used by Mastercard Open Finance Pay.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/glossary/index.md)

#### Support {#support}

Find answers to frequently asked questions and learn how to get help.

[Learn more →](https://developer.mastercard.com/ob-accept-payments/documentation/support/index.md)

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

You integrate with Mastercard Open Finance Pay as the Integrator. You connect to
the API and accept payments from consumers for your own business or for the Merchants you
serve. All communication with the API goes through you as the Integrator.

The consumer authorises the payment with their bank which acts as the Account Servicing Payment Service Provider (ASPSP).
![](https://static.developer.mastercard.com/content/ob-accept-payments/uploads/how-it-works-flow1ii.png)

A typical payment flow follows these steps:

1. You authenticate with the API and create a payment for a destination. You provide a `redirectUrl`, the address where the consumer returns at the end of the flow.
2. Mastercard Open Finance Pay returns an authorization link and a payment identifier.
3. You direct the consumer to the authorization link.
4. The consumer selects their bank and authorizes the payment with Strong Customer Authentication (SCA).
5. The bank processes the payment and the consumer returns to your `redirectUrl`.
6. You track the payment through real-time webhook notifications and the Get Payment endpoint.

For Variable Recurring Payments, the consumer authorizes a mandate once through
the same flow. You can then create payments within the agreed limits, without
the consumer authorizing each one.