# Aiia Pay
source: https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/index.md

Mastercard's Aiia Pay platform's payment product is based on account-to-account payments. These products make it possible to integrate an Account Servicing Payment Service Providers (ASPSP) payment functionality into your service.

* [Accepting payments](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/accept-payments/index.md) (for example, accepting payments in an online store). Refer to the [Accept Payments Integraton Guide](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/accept-payments/quickstart/index.md) to further explore the integration process and learn how to accept payments.

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

### Accept Payments flow {#accept-payments-flow}

The Accept Payments solution empowers users to seamlessly receive payments in interactive applications, particularly in scenarios such as e-commerce.
Note: For use-cases with asynchronous payment scenarios, such as invoicing, the [Pay-by-Link](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/accept-payments/pay-by-link/index.md) feature is recommended.

Refer to the [Accept Payment integration guide](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/accept-payments/quickstart/index.md) for a detailed description of the implementation process for Accept Payments.

In summary, the implementation process steps are as follows:

* Get an API key, `Client ID` and `Client Secret`, through registration on the [Developer Portal](https://devportal.openbanking.mastercard.com).

* Onboard a payment destination by initiating the process to onboard a new payee by starting the [Connect Flow](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/connect/connect-flow/index.md) flow with the `payments:inbound` scopes.

* Create a payment request using the `/v2/payments/accept` endpoint, with the request including the `destinationId`, and your `Client ID` and `Client secret`.

* You will receive a reply with a payment authorization link, together with a `paymentId` (subsequently used to get the payment status).

* Redirect your customer to the payment authorization link. Note that link is only valid for one minute, and each payment attempt requires a new link.

* Present and update the payment status to the customer using the `paymentId`.

* Receive status updates, such as real-time notifications on payment state changes and other events, through [Webhooks](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/event-notifications/index.md).

Diagram accept-payments

## See more {#see-more}

#### Getting started {#getting-started}

You can get started integrating our payments API in a few steps. If you do not have a [Developer Portal](https://devportal.openbanking.mastercard.com/) account yet, refer to the [Quick Start Guide](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/quickstart/index.md) to begin. The guide details how to integrate with our platform, and onboard your customers or yourself.

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

Refer to [API Reference](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/api-references/index.md) for information on all endpoints available.

#### Getting help {#getting-help}

Complete the [Contact Us](https://openbankingeu.mastercard.com/contact-us) form if you have any questions or require assistance.