Okra app flows
Create a straightforward account connection and payment experience through the Okra app.
Understand the Okra app flows
The Okra app is a gateway for your users where they can link their bank accounts with Okra in your product, website, or application. This connection enables you to leverage Okra's API and retrieve up-to-date information in real time, and in a secure manner.
Depending on the products you set up when you build your app, there are 2 main flows: Payments and Account data.
These flows have minor variations depending on the banks that your users choose, like the type of MFA or OTP required.
For returning users, you can simplify the app flow by skipping authentication or bank selection steps. Learn how you can set this up in the Returning user experience guide.
Payments flows
When you create an app with Instant payments enabled, the Okra app automatically shows the Payments flow for your users. Learn more about Setting up Payments.
Instant payments
In this scenario, end-users use the Okra app to complete a payment. They select their banks and enter their credentials every time they attempt to pay with their bank.
Payments for returning users
This payment scenario enables you to simplify the user journey in your app for users who already connected their accounts with Okra. In this flow, your users can skip the bank selection screen and complete a payment faster. They only need to select and authenticate the account they want to use for the payment.
Learn how you can set up Payments for returning users in the Returning user experience guide.
Quick Pay
In this scenario, you can further simplify payments for your users. With their bank and account already selected, they only need to authorise the payment with an OTP or PIN - depending on the bank they use.
Learn how you can set up Quick Pay in the Returning user experience guide.
Account data flows
When you create an app with any of the Account data products enabled, the Okra app automatically shows the Account data flow for your users.
In the standard account data flow, your users go through the Okra app to select their banks, the login method they want to use, the account they want to connect, simply authenticate using their bank account credentials. After this, you can start collecting data for the Account data products you enabled in your app.
Check out the Account data product guides for more information.
Account data for returning users
This scenario enables you to simplify the user journey in your app for users who already connected their accounts with Okra. In this flow, your users can skip the bank selection screen and only need to select and authenticate the account they want to connect.
Learn how you can set up this flow in the Returning user experience guide.
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