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

# How the Yuno Payment Process Works

While Yuno provides diverse payment options, the basic payment process always follows the same sequence. This guide provides a step-by-step breakdown of the process and key elements involved, clarifying how payments flow when utilizing Yuno's SDKs or API.

## The Yuno payment process

The payment process consisting of the following steps:

<Steps>
  <Step title="Create a customer">
    Every payment in Yuno links to a [customer](/docs/customers). The system stores customer details such as name, address, and phone number. Yuno uses this information to process payments across different [payment methods](/docs/payment-methods) and processors.
    When you create a customer, Yuno generates a unique identifier for use in later steps.

    <Note>
      You will need the customer's identification information for each subsequent step.
    </Note>
  </Step>

  <Step title="Create a checkout session">
    To process a payment with Yuno SDK or Checkout, create a [checkout session](/docs/sessions#checkout-session). This session connects the customer to the payment and stores key transaction details. Yuno loads all available [payment methods](/docs/payment-methods) linked to your account.

    <Note>
      Direct/Server-to-server integrations skip this step and provide the transaction details directly during payment creation.
    </Note>
  </Step>

  <Step title="Collect payment details">
    To process a payment, you need to collect the customer's payment information.

    * **SDK Integration**: Yuno's SDKs securely capture sensitive data and generate a one-time token (OTT).
    * **Direct Integration**: You collect the payment details directly on your servers (requiring PCI compliance) and send them to the payment endpoint.

    <Note>
      An OTT is a temporary, single-use code used by Yuno SDKs to enhance security and simplify the integration for merchants.
    </Note>
  </Step>

  <Step title="Create the payment">
    A [payment](/docs/payments-1) represents the final transaction. Use the data collected in the previous steps (customer ID and payment information) to process the final transaction.

    <Note>
      Certain fields are optional but can enhance user experience. Consider mandatory fields if you decide to include this information.
    </Note>
  </Step>
</Steps>

After creating the payment, Yuno will keep you informed about updates through [webhooks](/docs/webhooks-1). Additionally, Yuno offers [fraud prevention](/docs/fraud) solutions that you can integrate into the payment process.