> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ozura.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Payments — Using Checkout

> Use Ozura's hosted Checkout page for bank payments. Requires a merchant relationship.

# Bank Payments — Using Checkout

**Ozura Checkout** can be used for bank (ACH) payments on the hosted payment page. You create a session, send the customer to our page to pay with their bank account, and we redirect them back. Bank data never touches your server, which **reduces your scope**.

**To use Ozura's Checkout page you must be a merchant** — i.e. you need an Ozura merchant relationship. If you're integrating on behalf of a platform or aren't a direct merchant, use [Using the API](/guides/vault/bank-payments/using-the-api) or [Elements](/guides/vault/bank-payments/elements) instead.

<Info>
  **Want your own branded form for collecting bank details?** Use [Elements](/guides/vault/bank-payments/elements) — embed account number and routing number fields in your own UI and tokenize in the browser. Bank data never touches your server. [Learn more →](/sdks/elements/overview)
</Info>

## Flow

1. Your backend creates a Checkout session (amount, return URLs, bank payment enabled, etc.).
2. You redirect the customer to the Checkout URL.
3. The customer enters their bank details on our hosted page and completes payment.
4. Ozura redirects them back to your site; you verify the session and fulfill the order.

You don't handle tokenization or bank data yourself; Checkout does it for you.

## Next steps

* [Checkout overview](/guides/payments/checkout/overview) — How Checkout works and supported payment methods.
* [Checkout quickstart](/guides/payments/checkout/quickstart) — Create a session and accept your first payment.
* [OzuraPay API](/guides/payments/payapi/overview) — If you need to run post-payment or refund flows.
* [Using Elements](/guides/vault/bank-payments/elements) — Build your own bank form without a merchant account.