# Initiate Payments
source: https://developer.mastercard.com/open-banking-connect/documentation/usecases/payment/index.md

### Overview {#overview}

Sometimes just showing someone a list of their accounts is not enough, and the user may want to take action on the insights provided. In this example we will walk you through how a user can initiate a payment using the Payment Initiation Consent API, through the personal financial money management app.
![initiate](https://static.developer.mastercard.com/content/open-banking-connect/img/tutorials/initiate_new_payment.png)

[Payment Initiation Consent](https://developer.mastercard.com/open-banking-connect/documentation/pisfeatures/payment-initiation-consent-request/#request-scenario)

The first step in the payments journey is to again request consent this is demonstrated in the following API calls. Examples of request and response are provided in [Domestic Payment Initiation Consent](https://developer.mastercard.com/open-banking-connect/documentation/pisfeatures/payment-initiation-consent-request/index.md), [SEPA Payment Initiation Consent](https://developer.mastercard.com/open-banking-connect/documentation/pisfeatures/sepa-payment-initiation-consent-request/index.md). The second step is to finalize the actual payment. In this step is exchanged the authorization code obtained in the Payment Initiation Consent (first step) for the consent id. The details of this step are depicted in the Credit Transfer API calls - [Domestic Payment Credit Transfer](https://developer.mastercard.com/open-banking-connect/documentation/pisfeatures/payment-credit-transfer-initiation-request/index.md), [SEPA Payment Credit Transfer](https://developer.mastercard.com/open-banking-connect/documentation/pisfeatures/sepa-payment-credit-transfer-initiation-request/index.md). After this step TPP will get the consent id and the payment status.


[Next](https://developer.mastercard.com/open-banking-connect/documentation/usecases/payment-status/index.md)