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 organisations to securely collect a recipient's preferred payment method and payment details as part of the payment lifecycle.

Payee Choice is designed to help organisations reduce manual handling of sensitive payment data, reduce fraud exposure, and improve payment success rates and speed.

After your organisation initiates a payment, it creates a Payment Request, which invites the recipient to securely provide their preferred payment method and the required payment details. When the recipient submits their details, Vitesse processes the payment using the selected payment method.

You can use Payee Choice through Vitesse online or the Vitesse API.

You can configure the payment experience using a Programme, which defines branding, supported payment methods, notification settings and so on.

Vendor Pay

Vendor Pay enables organisations to consolidate multiple payments for the same supplier into a single scheduled payment.

Vendor Pay is designed to simplify frequent payments to the partners who service your claims (such as hospitals and auto-repair shops). Consolidating payments simplifies reconciliation, improves payment efficiency, and reduces operational overhead.

After your organisation approves payments at claim or invoice level, Vitesse groups the payments for the same supplier into a scheduled batch. On the scheduled payment date, Vitesse verifies that sufficient funds are available and sends a single consolidated payment to the supplier.

Vendor Pay is available via the Vitesse API.

You can use reporting to identify the individual claims and invoices included in each payment.