# Payment Enablement
source: https://developer.mastercard.com/open-finance-us/documentation/usecases/payment-enablement/index.md

Verify account owner, bank account number, routing details, and account balance before initiating movement of funds. Build streamlined experiences for credit-decisioning, loan funding and loan servicing by leveraging Account ACH Details, Account Balance Check, and Account Owner Verification API services.
![Avatar](https://static.developer.mastercard.com/content/open-finance-us/uploads/ob-usecase-paymentenable-header.png)

###### **Use Case**

### Payment Enablement

Launch Demo   

### Customers Using This Solution {#customers-using-this-solution}

J.P. Morgan Payments and Mastercard partnered to create a payment enablement use case that will give billers and consumers more choice. At checkout, consumers can select "Pay by Bank," and pay bills directly from their bank account, increasing security and eliminating the need to type in account and routing numbers.

This process can take the pain out of recurring payments like rent, utilities, tuition, insurance and healthcare, where ACH is the primary payment method.

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

Use the following APIs to retrieve account information to set up online payments via ACH, check balance to ensure accounts have sufficient funds, verify account ownership for KYC compliance, and set up recurring payments:

* Regardless of the API you want to call, you will first need to generate a URL to launch the [Mastercard Data Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/index.md) application that allows your customers to link their accounts and provide you the permission to access their financial data through Mastercard Open Finance. The Data Connect application is the only way you can allow your customers to link their accounts and is mandatory for integrating with any Mastercard Open Finance APIs.

* [Webhooks](https://developer.mastercard.com/open-finance-us/documentation/webhooks/index.md) allow your app to receive notifications about Data Connect events and to listen for when reports have been generated.

* [Get Account ACH Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md) to retrieve the account number and routing number details for an ACH payment. You can automate the process of ACH Onboarding (retrieving and verifying a customer's bank account and routing numbers), reducing the need for the consumer to manually enter account/routing number.

* [Get Account Owner Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md) to retrieve the names and addresses of the account owner from a financial institution.

* [Get Available Balance](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-balance/index.md#get-available-balance) to retrieve the available and cleared account balances for a single account in real-time from a financial institution.

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This solution uses the following services:

#### Account ACH Details {#account-ach-details}

Get ACH (Automated Clearing House) details for account opening or payment initiation.


[Documentation →](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md)

#### Account Balance {#account-balance}

Provide available account balance information for your customers.


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[Documentation →](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-balance/index.md)

#### Account Owner Verification {#account-owner-verification}

Get account owner information from a financial institution.


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[Documentation →](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md)
Diagram usecase_paymentenablement Learn more about the consumer experience for this use case: [Experience Design Guide](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/open-finance-us-for-payments/index.md)   
Understand the ideal consumer experience for Payment enablement.

## Next Steps {#next-steps}

![Quick Start Guide](https://static.developer.mastercard.com/content/open-finance-us/uploads/usecases_nextsteps_quickstart.png)

### Quick Start Guide {#quick-start-guide}

Get started with using Mastercard Open Finance APIs in less than 30 minutes.


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[Get Started →](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md)
![API Reference](https://static.developer.mastercard.com/content/open-finance-us/uploads/usecases_nextsteps_apireference.png)

### API Reference {#api-reference}

Find detailed explanation of all resources available through Mastercard Open Finance API.


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[Learn More →](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md)
![Postman](https://static.developer.mastercard.com/content/open-finance-us/uploads/usecases_nextsteps_postman.png)

### Postman {#postman}

Run the Postman Collection to start using Open Finance API without the need to write any code.


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[Learn More →](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/postman-collection/index.md)