Payment flows

Payment flows define how a payment is initiated and processed.

Vitesse supports four payment flows.

Transactions (standard payments)

A transaction enables a direct payment to a recipient using the transaction lifecycle.

It is typically used for simple, one-off payments where payment details are fully defined at the time of execution.

You can use MAS or the Transaction API to make transactions.

You can make single transactions or batch transactions.

Smart payments

Smart Payment enables a direct payment to a recipient using a payment instruction and following the payment lifecycle.

You can use Vitesse online or the Vitesse API to create payment instructions.

Payee Choice

Payee Choice enables the recipient to select how they want to receive a payment and provide their payment details securely.

It is typically used to improve payment success rates, reduce manual data handling, and enhance the recipient experience.

After a payment is initiated, the recipient is invited to submit their preferred payment method and details, which are then used to complete the payment.

Payee Choice is configured through Programmes and is available via Vitesse online and the Vitesse API.

Vendor Pay

Vendor Pay enables organisations to pay their vendors through structured and repeatable payment processes.

It is typically used for payments to known suppliers, such as repairers or service providers, where efficiency, consistency, and reconciliation are important.

Vendor Pay supports batching and scheduled settlement, allowing multiple payments to be grouped and processed together.

Vendor Pay is available via Vitesse online and the Vitesse API.