# Payment

The Payments API endpoints allow you to execute and manage payments from a monetary account. There are three main features: 

1. **Payments**
2. **Payments Auto Allocate**,  
3. **Payment Batch**. 

Standard **Payments** are used for sending individual payments directly, while **Payments Auto Allocate** can automatically determine the appropriate monetary account for a payment based on predefined rules. **Payment Batch** enables sending multiple payments at once, 

{% hint style="info" %}
Be aware that **Payment Service Providers (PSPs)** due to PSD2 restrictions, cannot **execute** transactions. They can initiate transactions but the user still has to confirm. 

As such PSPs must instead use [Draft Payment](/draft-payment.md), which allow multiple payment entries in a single request while still requiring the end user to accept each payment in the app.
{% endhint %}


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