# Bill Payments
source: https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/use-cases/bill-payments/index.md

Mastercard's Open Finance Payment solution enables TPPs to process bill payments directly from customer's bank account in real time.​ Powered by Open Finance payments, a secure, seamless, and fast experience is provided for consumers minimising friction while processing payments.

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

The following screenshots show sample screens that can be rendered using this service:
![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/Bill_Pay/unlicensed/Bill_1.png) The customer selects "Pay with your bank" as the payment option. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/Bill_Pay/unlicensed/Bill_3.png) The customer selects their bank. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/Bill_Pay/unlicensed/Bill_4.png) The customer authenticates themselves using the bank's existing authentication method. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/Bill_Pay/unlicensed/Bill_5.png) Available accounts are displayed, and the customer selects the preferred account and confirms the payment. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/Bill_Pay/unlicensed/Bill_6.png) Confirmation of the completed payment is displayed and the customer is provided with a reference number. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/Bill_Pay/unlicensed/Bill_7.png) The customer is automatically redirected back to the merchant's app upon completion.

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### Data flow {#data-flow}

Diagram bill-payments

1. The merchant presents a bill for the PSU to pay.
2. The PSU accepts the bill and starts the payment process.
3. The merchant initiates the payment using the `/v2/payments/accept/links` endpoint, including payments details.
4. Mastercard Open Finance creates the payment and responds with a `paymentid`, used to look and request the authorisation of the payment and an `authorizationUrl` to be displayed to the PSU.
5. The merchant initiates authorization of the payment by displaying the `authorizationUrl` to the PSU.
6. The PSU initiates the payment flow from the consent screen by authorizing the payment, after which the confirmation screen displays.
7. Mastercard Open Finance provides payments capability for the PSU.
8. PSU performs SCA and initiates the payment.
9. The ASPSP initiates the money transfer to the merchant.
10. The PSU is sent to the `redirectURL`, requested when authorization was requested.
11. The merchant retrieves the state of the authorisation by calling the get accept payment endpoint `/v2/payments/accept/{paymentId}`.
12. Mastercard Open Finance returns the payment status to the merchant.
13. The merchant notifies the PSU of the payment initiation.
14. The ASPSP transfers the bill amount to the merchant.
15. The merchant notifies the PSU and presents the paid bill receipt.

### Endpoints used {#endpoints-used}

A payment is initiated using the Create Accept Payment endpoint.

API Reference: `POST /v2/payments/accept/links`

The payment status is retrieved by calling the Get Accept Payment endpoint.

API Reference: `GET /v2/payments/accept/{paymentId}`

### See more {#see-more}

Refer to [Accepting Payments guide](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/accept-payments/index.md) for additional details on how to enable your users to make payments from within your service.