The service provides online payments via direct interaction with the buyer's bank to order a payment and the merchant's bank to deliver the payment. A seller application provides for product selection and purchase, then hands off the transaction to the payment service. It establishes contact with the buyer's bank on the buyer's behalf and submits a payment request URL. It then generates a credit URL for the seller's bank to complete transfer of the funds.
API methods support listing of banks that interact with the service, allowing an application to let the buyer choose. Methods then generate the payment request in the format accepted by the chosen bank and the confirmation notice to the seller's bank. "Nudge" methods provide updates to the buyer and seller upon completion of the transaction.