# Pay
source: https://developer.mastercard.com/open-finance-us/documentation/products/pay/index.md

Finicity Pay includes premium and non-premium API services to connect to customer accounts, verify the account owner, and to retrieve the routing and account numbers and account balance information from financial institutions (FI) before initiating payments. Premium services are billable per successful API call.
Note: Before calling premium endpoints, check to see that the financial institution (FI) for the customer's account is certified to provide services such as ACH.

* Call the Get [Certified Institutions](https://developer.mastercard.com/open-finance-us/documentation/financial-institution/index.md#certified-institutions) API a couple of times a day and cache the results.
* Call the [Get Customer Accounts](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md) API to retrieve the `institutionId` from the account record.
* Check if the account's `institutionId `is certified for the premium service from the Get Certified Institutions results you cached earlier.
* If the FI is supported, call the API and retrieve the premium service information.

## Premium Services {#premium-services}

* [Account ACH Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md)
* [Account Validation Assistant](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-validation-assistant/index.md)
* [Account Owner Verification](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md)
* [Get Available Balance](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-balance/index.md)
* [Payment Enablement Bundle](https://developer.mastercard.com/open-finance-us/documentation/products/pay/payment-enablement-bundle/index.md)
* [Payment Success Indicator](https://developer.mastercard.com/open-finance-us/documentation/products/pay/psi-tools/index.md)
* [Deposit Switch and Bill Pay Switch](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/index.md)

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## Feedback Loop {#feedback-loop}

[Feedback Loop](https://developer.mastercard.com/open-finance-us/documentation/products/pay/feedback-loop/index.md) enables you to share payment outcome data for Pay products so Mastercard can continuously refine risk models and reduce payment failures across the network.

Feedback Loop currently supports sharing data from:

* [Account ACH Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md)
* [Payment Success Indicator](https://developer.mastercard.com/open-finance-us/documentation/products/pay/psi-tools/index.md)

## See Also {#see-also}

* [Pay by Bank Tutorial](https://developer.mastercard.com/open-finance-us/documentation/tutorials/pay-by-bank/index.md) - how to use Pay APIs to implement direct payment from a customer's bank account, including verifying account details, balance and ownership and checking for fraud.