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

Mastercard's Open Finance Payment solution enables TPPS to process top-up 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/top_up/unlicensed/TopUp_1.png) The customer selects "Top up payment account" from the merchant's app. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/top_up/unlicensed/TopUp_2.png) The customer selects the required amount and confirms. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/top_up/licensed/TopUp_3.png) The customer agrees to initiate the payment through Open Finance. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/top_up/unlicensed/TopUp_4.png) The customer chooses the bank from which to make the payment. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/top_up/unlicensed/TopUp_5.png) The customer authenticates themselves using the bank's existing authentication method. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/top_up/unlicensed/TopUp_6.png) Available accounts are displayed, and the customer selects the preferred account. The customer can see the amount and destination as they confirm the payment. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/top_up/unlicensed/TopUp_7.png) The customer is automatically redirected back to Mastercard Open Finance with confirmation. ![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/top_up/unlicensed/TopUp_8.png) The customer is then redirected back to the merchant's app and they can see the result of their top up operation.

### Data flow {#data-flow}

Diagram top-up-payments

1. The PSU starts the process of topping up an account through Open Finance payments.
2. The merchant initiates the payment using the `/v2/payments/accept` endpoint, including payments details.
3. 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.
4. The merchant initiates authorization of the payment by displaying the `authorizationUrl` to the PSU.
5. The PSU initiates the payment flow from the consent screen by authorizing the payment, after which the confirmation screen displays.
6. Mastercard Open Finance provides payments capability for the PSU.
7. Mastercard Open Finance authenticates the PSU to the ASPSP and initiates payment.
8. The ASPSP initiates the money transfer to the merchant.
9. The PSU is sent to the `redirectURL`, requested when authorization was requested.
10. The merchant retrieves the state of the authorisation by calling the get accept payment endpoint `/v2/payments/accept/{paymentId}`.
11. Mastercard Open Finance returns the payment status to the merchant.
12. The merchant notifies the PSU of the payment initiation.
13. The ASPSP transfers the top-up amount to the merchant.
14. The merchant notifies the PSU of the successful top-up and adds the amount to their account.

### Endpoints used {#endpoints-used}

A payment is initiated using the Create Accept Payment endpoint.

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

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.