# Overview

**Request to Pay (RTP)** is a bank-initiated payment request that a merchant can create and send to a customer through the bank’s mobile app. Instead of asking the customer to enter card data or scan a QR, the merchant creates an RTP with the payment details (amount, currency, description, expiration, etc.). 

The customer receives a secure prompt in the bank app and can **Accept** or **Reject** the request. When the payment is executed, the merchant receives a **server-to-server callback** containing the payment outcome and the core payment attributes needed to fulfill the order.

### Jump right in

<table data-view="cards"><thead><tr><th></th><th></th><th></th><th data-hidden data-card-cover data-type="files"></th><th data-hidden></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><h4><i class="fa-bolt">:bolt:</i></h4></td><td><strong>Quickstart</strong></td><td>Configure environment and credentials</td><td></td><td></td><td><a href="getting-started">getting-started</a></td></tr><tr><td><h4><i class="fa-globe-pointer">:globe-pointer:</i></h4></td><td><strong>API Reference</strong></td><td>Explore endpoints and callbacks</td><td></td><td></td><td><a href="api-reference">api-reference</a></td></tr></tbody></table>