Request to Pay Settlement Flow

Payee requests, payer consents, and funds settle over instant rails

Request to Pay Settlement Flow Payee requests, payer consents, and funds settle over instant rails send request notify payer approve or decline / defer initiate pay settle confirm Request Consent Settle Payee · biller app · Sequence participant Payee biller app R2P Hub · mandate store · Sequence participant R2P Hub mandate store Payer · bank app · Sequence participant Payer bank app Legend request return security async trace

Pull becomes push

  • • The payee sends a request, not a debit
  • • The payer holds the approve decision
  • • No pre-authorized pull sits on the account

Consent is explicit

  • • Approve, decline, and defer are first-class replies
  • • Mandates carry amount and frequency limits
  • • Every reply is stored for reconciliation

Instant settlement

  • • Approved requests settle over instant rails
  • • Confirmation closes the request loop
  • • The hub reconciles request against settled funds