# Commercial Card Payment Initiation
source: https://developer.mastercard.com/payment-initiation-api/documentation/use-cases/commercial-card-payment-initiation/index.md

In this use case, the Debtor Agent initiates a new commercial card payment by submitting a payment initiation request to the Commercial Direct Payments (CDP) service.
Diagram step-1-mermaid

1. The Debtor Agent initiates a card payment request.
   API Reference: `POST /debtor-agents/{ica}/payment-initiations`

2. CDP validates the request.
3. CDP generates the `instructionIdentification`.
4. CDP returns a 201 Created response containing the `instructionIdentification` with a status of RECEIVED.