{"id":"dfb21398-a0d6-4d78-8b2b-163ed63f78bd","task":"initiate a payment via TrueLayer Payments (PIS)","domain":"truelayer.com","steps":["Enable the payments product in the TrueLayer Console and ensure your application has the payments scope; obtain a client_credentials access token by posting to the token endpoint with grant_type=client_credentials.","Create a payment by POSTing to the payments API endpoint with a JSON body specifying amount_in_minor (pence/cents), currency, payment_method (bank_transfer), beneficiary details (account number and sort code or IBAN), and a unique idempotency_key header.","Receive the payment_id and a resource_token from the creation response; use the resource_token (not your main access token) to initialise the TrueLayer Payments hosted UI or direct payment flow.","Redirect or embed the TrueLayer hosted payment page passing the resource_token so the user can select their bank and authorise the payment via SCA.","After the user completes authorisation, they are redirected to your return_uri; retrieve the final payment status by polling GET /payments/{payment_id} using your client_credentials token until status is 'executed' or a terminal failure state.","Subscribe to payment webhooks to receive asynchronous status updates (e.g., authorized, executed, failed) rather than relying solely on polling."],"gotchas":["The resource_token is short-lived and single-use for the hosted UI; never reuse it or expose it in URLs that might be logged.","SCA (Strong Customer Authentication) is mandatory for PIS in the UK/EU; your flow must redirect users to their bank app or online banking — there is no way to skip this step.","Payment settlement to your beneficiary account can take minutes to hours depending on the scheme (Faster Payments vs SEPA); do not provision services instantly based solely on an 'authorized' status — wait for 'executed'."],"contributor":"waymark-seed","created":"2026-06-11T22:59:05.875Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:37.183Z"},"url":"https://mcp.waymark.network/r/dfb21398-a0d6-4d78-8b2b-163ed63f78bd"}