> ## 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 Overview

> Accept bank (ACH) payments via the API, Elements, or Checkout — same journey as card payments.

# Bank Payments

You can accept bank account payments in three ways: **using the API** (tokenize on your backend), **using Elements** (tokenize in the browser with embeddable fields), or **using Ozura Checkout** (hosted payment page). The journey is the same as for [card payments](/guides/vault/card-payments/overview).

**Elements** and **Checkout** both reduce your PCI/scope: bank data is either tokenized in the browser (Elements) or never touches your server (Checkout). **To use Ozura's Checkout page you must be a merchant** with an Ozura merchant relationship.

## Paths

| Path                                                       | Best for                                  | Scope                                        |
| ---------------------------------------------------------- | ----------------------------------------- | -------------------------------------------- |
| [Using the API](/guides/vault/bank-payments/using-the-api) | Backend-only flows, custom UX             | You send bank data to Vault from your server |
| [Using Elements](/guides/vault/bank-payments/elements)     | Your site, your form, tokenize in browser | Reduced — bank data never hits your server   |
| [Using Checkout](/guides/vault/bank-payments/checkout)     | Hosted payment page (merchants only)      | Reduced — Ozura hosts the page               |

After tokenization, send the token to your PSP via the [Proxy](/guides/vault/proxy/overview) or process with [OzuraPay API](/guides/payments/payapi/overview).

## Next steps

* [Using the API](/guides/vault/bank-payments/using-the-api) — Tokenize from your backend, then use Proxy or OzuraPay API.
* [Using Elements](/guides/vault/bank-payments/elements) — Embed bank fields and tokenize in the browser.
* [Using Checkout](/guides/vault/bank-payments/checkout) — Use the hosted Checkout page (merchants only).
* [Proxy](/guides/vault/proxy/overview) — Forward tokenized bank data to your payment processor.
* [Checkout docs](/guides/payments/checkout/overview) — Full Checkout guide.
* [OzuraPay API](/guides/payments/payapi/overview) — Process payments after tokenization.