# Open Finance US for Payments
source: https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/open-finance-us-for-payments/index.md

Next generation payment solutions focus on being more inclusive and offering a wider range of options (such as using accurate real-time data, analytics, scoring, and insights from consumer authorized financial data) to digitally transform the payment experience.

Below are the demo links and Figma files for Mastercard Data Connect's Payments best practices.
![Payments](https://static.developer.mastercard.com/content/open-finance-us/uploads/demo2.svg)

### Demo {#demo}

View the interactive prototype of the Payments experience using Automated Clearing House (ACH) and Account Opening.   

[Open demo for Open Finance US for Payments](https://www.figma.com/proto/nuk4jk0aBjtxF1t1A7TjqN/ACH-Details-Demos?page-id=170%3A31389&type=design&node-id=170-32471&viewport=435%2C-39%2C0.13&t=kb0X5o16dwcIS72P-1&scaling=scale-down&starting-point-node-id=170%3A32471)
![Lending](https://static.developer.mastercard.com/content/open-finance-us/uploads/figma2.svg)

### Figma file {#figma-file}

Find the end-to-end product experience for ACH and Account Opening to duplicate and customize in your own environment.   

[Access Figma file for Open Finance US](https://www.figma.com/design/pqrT4uBCEsbL53GXSxh6g0/Open-Banking-US-for-Payments?node-id=0-1)
Note: Developers and product owners should also read our Use Case sections on [Account Opening](https://developer.mastercard.com/open-finance-us/documentation/usecases/ob-account-opening/index.md) and [Payment Enablement](https://developer.mastercard.com/open-finance-us/documentation/usecases/payment-enablement/index.md) which cover the webhooks and APIs that you will use.

## User journeys {#user-journeys}

Find links below for the user journeys displaying how Data Connect functions for Payment scenarios.
[Automated Clearing House (ACH) \[Data Connect Full and Lite\]](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/open-finance-us-for-payments/ach/index.md)   
[Account Validation Assistant \[Data Connect Full and Lite\]](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/open-finance-us-for-payments/ava/index.md)   
[Account opening and funding](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/open-finance-us-for-payments/account-opening/index.md)   
Tip: If you have any questions or need assistance with the customer experience or development, [contact us](https://developer.mastercard.com/open-finance-us/documentation/support/index.md).

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Next: [Automated Clearing House (ACH)](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/open-finance-us-for-payments/ach/index.md)