Overview of Payment Initiation

In order to provide the best PayTo customer experience and accommodate a range of retail use-cases, we have developed three methods for initiating a PayTo payment.

1. Using a redirect Checkout Session

We recommend using the Checkout Session method when the buyer has selected to pay with PayTo and does not yet have a saved PayTo instrument available for making the payment.

The Checkout Session method allows the buyer to create a new PayTo instrument and initiate the payment within the same redirect process flow.

The Checkout Session method is designed to handle both checkout use-cases:

• Buyer choosing to save the payment instrument for future use.
• Buyer choosing NOT to save the payment instrument.

The Checkout Session is the ideal method for guest checkout.

2. Using a redirect Payment Session

We recommend using the Payment Session method when the buyer has selected to pay with PayTo using a saved PayTo instrument in their digital wallet.

The Payment Session allows the buyer to observe their payment being processed in the redirect process flow, providing real-time confirmation of payment success or failure.

The Payment Session is the ideal method for all repeat buyer initiated payments.

3. Using a Make Payment API

We recommend using the Make Payment API method when initiating a payment without the buyer's presence (e.g. merchant initiated payment), using a saved PayTo instrument from the buyer's digital wallet.

The Make Payment API is designed to provide real-time response with the final outcome of the payment.

The Make Payment API is the ideal method for all merchant initiated payments (i.e. buyer not present).