One-off payments

A one-off Pay by Bank payment is a Single Immediate Payment (SIP), a real-time bank transfer where the customer authorises a specific amount in a single interaction. SIPs are part of Pay by Bank.

How it works

1. Create a payment session. Your server creates a payment request via the Acquired API, specifying the amount, currency, and a redirect URL for the customer to return to after authorisation.
2. Redirect the customer. The customer is directed to their bank, either via the Acquired Hosted Checkout or your own UI built using the API. They select their bank, authenticate, and approve the payment.
3. Receive confirmation. Once the customer approves the payment, funds are transferred immediately over Faster Payments. You receive a webhook notification confirming the outcome, and the customer is redirected back to your site.

One-off payments are best suited for e-commerce checkouts, ad-hoc payments from a client portal, and any scenario where a customer is making a single transaction.

The customer authenticates for each payment. For the device-specific experience, see Customer authentication.

Integration options: One-off payments can be taken through any of the integration paths, either via Hosted Checkout or with your own UI built on the API.

Statuses and webhooks

For the possible payment statuses and how a payment progresses, see Statuses. For the webhooks you will receive, see Webhook Notifications.