> ## Documentation Index
> Fetch the complete documentation index at: https://docs.paycashless.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Checkout

The Checkout API allows your business to generate a secure link for collecting payments via our seamless checkout widget. This is the simplest way to collect payments through bank transfers, with minimal integration effort.

<Steps>
  <Step title="1. User is presented with the Checkout Widget Page">
    The checkout allows users to make **bank transfer payments** directly from their bank accounts with ease.
    They’re guided through a simple, secure flow to complete the transaction.
    ![Paycashless Checkout ](https://res.cloudinary.com/dfqkxytap/image/upload/v1749738805/Paycashless%20Docs/Checkout-landing.png)
  </Step>

  <Step title="2. User makes a transfer">
    Once presented with the checkout, the user initiates a bank transfer using the provided account or instructions. We automatically
    reconcile the payment in real time.
  </Step>

  <Step title="3. User is redirected to your return URL">
    After payment confirmation, the user is redirected to your specified `returnUrl`, where you can show a confirmation or
    order success page.
  </Step>
</Steps>

<RequestExample>
  ```json theme={null}
  {
    "reference": "order_123456",
    "amount": {
      "value": 50000,
      "currency": "NGN"
    },
    "customer": {
      "email": "customer@example.com",
      "name": "Customer Name"
    },
    "returnUrl": "https://yourwebsite.com/payment/complete",
    "metadata": {
      "orderType": "subscription"
    }
  }
  ```
</RequestExample>

<ResponseExample>
  ```json theme={null}
  {
    "id": "pi_begxqdhuwadeuhbysv0lv49h926i6mnn",
    "reference": "order_123456",
    "amount": {
      "value": 50000,
      "currency": "NGN"
    },
    "authorizationUrl": "https://checkout.Paycashless.com/atkqlobrpaun",
    "returnUrl": "https://yourwebsite.com/payment/complete",
    "expiresAt": "2025-05-15T10:53:44.361Z"
  }
  ```
</ResponseExample>