# Payment Enablement
source: https://developer.mastercard.com/open-finance-au/documentation/usecases/payment-enablement/index.md

Verify account owner, bank account number, bank state branch (BSB), and account balance before initiating movement of funds. Build streamlined experiences for credit-decisioning, loan funding and loan servicing by leveraging Account Details, Account Balance Check (Live) or Account Balance Check (Cached), and Account Owner Verification API services.

This process can take the pain out of recurring payments like rent, utilities, tuition, insurance and healthcare, where Money Transfer is the primary payment method.

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

Use the following APIs to retrieve account information to set up online payments via Money Transfer, check balance to ensure accounts have sufficient funds, verify account ownership for Know Your Customer (KYC) compliance, and set up recurring payments:

* To be able to fetch any customer financial data, you will need a Consent Receipt ID. Subscribe to [Consent Notifications](https://developer.mastercard.com/open-finance-au/documentation/consent/consent-notifications/index.md) to retrieve this, as well as to be informed about consent lifecycle events so that you can treat the received data in accordance with CDR regulations.

* As the next step, generate a Connect URL to launch the [Connect Application](https://developer.mastercard.com/open-finance-au/documentation/connect/index.md) that allows your customers to link their accounts and provide you the permission to access their financial data through Mastercard Open Finance. Connect application is the only way you can allow your customers to link their accounts and is mandatory for integrating with any Mastercard Open Finance APIs.

* With additional [Webhooks](https://developer.mastercard.com/open-finance-au/documentation/connect/webhooks/index.md) your application can receive notifications about Connect events and to listen for when reports have been generated. You can use the following webhooks - [Connect Webhooks](https://developer.mastercard.com/open-finance-au/documentation/connect/webhooks/index.md#connect-webhooks), [Report Webhooks](https://developer.mastercard.com/open-finance-au/documentation/connect/webhooks/index.md#report-webhooks) and [Custom Webhooks](https://developer.mastercard.com/open-finance-au/documentation/connect/webhooks/index.md#custom-webhooks).

* [Get Account Owner Details](https://developer.mastercard.com/open-finance-au/documentation/products/verification-account-owner/index.md) to retrieve the names and addresses of the account owner from a Financial Institution (FI).

* [Get Account Details](https://developer.mastercard.com/open-finance-au/documentation/products/account-details/index.md) to retrieve the account number and BSB details for a Money Transfer payment. You can automate the process of Money Transfer Verification (retrieving and verifying a customer's bank account and BSB numbers), reducing the need for the consumer to manually enter account number/BSB.

* [Get Available Balance - Live](/documentation/products/account-balance/##get-available-balance---live) to retrieve the available and cleared account balances for a single account in real-time from a FI.

Diagram usecase_paymentenablement

## APIs Used {#apis-used}

* [Generate Connect URL](https://developer.mastercard.com/open-finance-au/documentation/api-reference/index.md#GenerateConnectUrl)
* [Get Account Owner](https://developer.mastercard.com/open-finance-au/documentation/api-reference/index.md#GetAccountOwner)
* [Get Money Transfer Details](https://developer.mastercard.com/open-finance-au/documentation/api-reference/index.md#GetMoneyTransferDetails)
* [Get Available Balance Live](https://developer.mastercard.com/open-finance-au/documentation/api-reference/index.md#GetAvailableBalanceLive)

## See More {#see-more}

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

Get started with using Mastercard Open Finance APIs in less than 30 minutes.   

[Get Started](https://developer.mastercard.com/open-finance-au/documentation/quick-start-guide/index.md)

### API Reference {#api-reference}

Find detailed explanation of all resources available through Mastercard Open Finance API.   

[Learn More](https://developer.mastercard.com/open-finance-au/documentation/api-reference/index.md)