> ## 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 the API (your own inputs)

> Tokenize bank accounts from your backend with your own form inputs. Understand scope implications.

# Bank Payments — Using the API (your own inputs)

If you collect bank account data with **your own form inputs** (instead of Ozura's [Elements](/guides/vault/bank-payments/elements) or [Checkout](/guides/vault/bank-payments/checkout)), be aware of the **compliance and security scope** for your application. To keep bank data off your server, use [Elements](/guides/vault/bank-payments/elements) so tokenization happens in the browser.

Tokenize bank account data from your backend, store the token, then send the token to your PSP via the **Proxy** or process with **OzuraPay API**.

## Flow

1. **Tokenize** — From your server, call `POST /tokenize` with `type: "bank"` and account/routing details. See [API Reference → POST /tokenize](/api-reference/vault/tokenize) for request/response (bank payload).
2. **Store** — Save the returned `token` for use in Proxy or OzuraPay API.
3. **Charge** — Send the token to your payment processor via the [Proxy](/guides/vault/proxy/overview) (see [API Reference → POST /proxy/transaction](/api-reference/vault/proxy-transaction)) or use [OzuraPay API](/guides/payments/payapi/overview) (e.g. [transactions](/guides/payments/payapi/transactions)).

Your server must never expose your Vault API key to the browser. Bank data should only be sent to Vault from your backend.

## Next steps

* [Proxy](/guides/vault/proxy/overview) — Forward tokenized bank data to your PSP without handling raw account data.
* [OzuraPay API transactions](/guides/payments/payapi/transactions) — Process payments with OzuraPay API.
* [API Reference — Tokenize](/api-reference/vault/tokenize) — Full request/response for `POST /tokenize`.
* [API Reference — Proxy](/api-reference/vault/proxy-transaction) — Full request/response for `POST /proxy/transaction`.