---
title: "Worldline Account-to-Account Payments"
canonical_url: https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/process-flows
---

* [Overview](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/overview/globalcollect.md)
* [Countries \& currencies](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/countries-and-currencies/globalcollect.md)
* [Integration](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/integration/globalcollect.md)
* [Process flows](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/process-flows/globalcollect.md)
* [Testing](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/testing/globalcollect.md)
* [Additional information](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/additional-information/globalcollect.md)
* [Consumer experience](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/consumer-experience/globalcollect.md)
* [Reporting](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/reporting/globalcollect.md)
* [FAQ](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/faqs/globalcollect.md)

# Process flows

In order to integrate Worldline Account-to-Account Payments, please refer to our [API Reference](https://docs.connect.worldline-solutions.com/documentation/api/.md).

# Transaction states

Create payment Create refund

# Payment flow

![Worldline Account-to-Account payment flow: consumer to merchant to Worldline, consumer bank sends funds to Worldline bank, with settlement](https://docs.connect.worldline-solutions.com/dA/abac493b08/Process flow.png)

1. The consumer goes to the website and selects Worldline Account-to-Account Payments by clicking "Pay with your bank."
2. You start the payment process by sending the payment API call to us.
3. We generate a redirect link and provide it back to you.
4. You forward this redirect link to the consumer.
5. The consumer logs into their bank account and completes the payment.
6. The funds are transferred to our bank account.
7. Once the funds are received, our bank notifies our platform.
8. We inform you that the funds have been received.
9. Finally, we transfer the funds to you, completing the transaction.

[Next Testing](https://docs.connect.worldline-solutions.com/payment-product/worldline-account-to-account-payments/testing/globalcollect.md)