# Overview > Learn about the features, advantages, benefits, user experience, and integration options of One-time Payments. The One-time Payments service streamlines the integration of payment acceptance capabilities across your websites and applications, catering to a wide range of clients, including desktop and mobile websites, as well as mobile applications. With a single integration, you can accept online payments seamlessly. This service not only minimizes integration efforts but also empowers buyers to make secure and convenient payments using their preferred methods, enhancing the overall payment experience. An array of payment options is offered, such as digital wallets, bank transfers, and card payments, all accessible through your platform. # Product description {#RGbXi} One-time Payments is designed to streamline online transactions by integrating diverse payment options, optimizing settlement processes, and enhancing security, while ensuring global accessibility and operational efficiency. ## Features {#W0dCv} - **Seamless payment processing** One-time Payments provides instant online payment capabilities for buyers through a simple redirect link. Upon placing an order, buyers will be redirected to a secure page to confirm and complete payment immediately, ensuring a smooth and efficient transaction experience. - **Payment channel coverage** A wide range of global payment channels is supported, including cards, digital wallets, and bank transfers, with a total of 78 payment methods across 21 countries and regions worldwide. This extensive coverage ensures flexibility and accessibility for buyers globally. For more details, refer to [Supported payment methods](https://docs.antom.com/payment_methods.md) . - **Settlement capabilities** - An efficient settlement process enables you to receive payments promptly and manage financial operations smoothly. - Multi-currency settlement supports 24 currencies across 31 countries and regions with competitive exchange rates. - Local settlement is available in 16 currencies to tailor solutions for specific regional requirements. - Settlement cycles range from T+2 to T+25 business days, facilitating timely disbursement and cash flow for your business. For more details on settlement capabilities, refer to [Settlement rules](https://docs.antom.com/ac/reconcile/rules.md) . - **Risk management capability** Your business can benefit from advanced risk management features, leveraging sophisticated algorithms and fraud detection systems to safeguard transactions. By minimizing potential risks, you can provide buyers with a secure and reliable payment experience. For more details on risk management capabilities, refer to [Antom Shield](https://docs.antom.com/ac/antomshield/overview.md) . ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/65f4f019-4315-4bdf-b70e-c3486c0968ee.png) - **All-in-one dashboard** [Antom Dashboard](https://dashboard.alipay.com/global-payments/home) , a user-friendly online dashboard that empowers you with tools to monitor transactions, settlements, and refunds, while real-time insights and detailed reporting facilitate efficient operations and data-driven decision-making. [Get started](https://docs.antom.com/ac/merchant_service/antom_dashboard.md) with receiving online payments in just a few steps. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/30b3fa55-49e3-403a-bed0-024245c8be58.png) ## Advantages {#rLlz2} - **Global payment channel coverage** : Supports popular global payment methods, enabling effortless business operations worldwide and facilitating global market expansion. - **High payment success rate assurance** : Features an intelligent risk control system and an optimized payment process to significantly boost transaction success rates, minimizing losses from failed, incomplete or aborted transactions. - **One-stop integration service** : Provides user-friendly integrations of Checkout Page, APIs, and Element for seamless access across platforms and devices, flexibly adapting to diverse business scenarios. - **Enhanced security and compliance** : Utilizes advanced data encryption technologies and adheres to strict compliance standards (e.g., PCI-DSS) to ensure the security and reliability of every transaction. ## Benefits {#CH6gI} - **Rapid global business expansion** : Extensive payment channel coverage enables you to easily enter new markets and swiftly launch global operations, reaching a broader consumer base. - **Potential revenue growth** : High payment success rates minimize revenue loss caused by failed transactions, driving overall income growth. - **Outstanding user experience** : One-stop services streamline the payment process, delivering a seamless and convenient experience that enhances buyer satisfaction and loyalty. - **Improved operational efficiency** : Fast settlement and simplified technical integration allow you to focus on core business growth, without the impediment of complex payment processes. # User experience {#PGY1Z} Antom provides integrations on both PC and mobile platforms. This section illustrates the user journey of paying with different payment methods on the mobile platform: **Tab: Card** Card payments use bank cards as the payment instrument, which could either be bank cards issued by local clearing networks or international credit cards. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/7ac9c91a-0f40-434e-9219-47ce2ccce893.png) **Tab: Digital wallet** Digital wallet owns a system of independent accounts. Buyers can complete online or in-store payments by using their accounts. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/1f91fc5d-316c-4e58-859c-74df0991a8d2.png) **Tab: Online banking** Online banking payment refers to a process that buyers are guided to enter the bank's online banking page, where they authorize and confirm the transaction to complete the payment. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/77c6bc3d-65f7-42bb-af07-ac040357c600.png) **Tab: Mobile banking app** Mobile banking app payment refers to a process where buyers are automatically redirected to the bank's mobile application during payment, where they only need enter payment password to complete the transaction. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/1ce5009b-cc27-420e-8c49-56cc25f881fd.png) **Tab: Real-time payment** Real-time payment refers to the process where the buyer is redirected to the Antom payment page after placing an order to obtain a payment reference code. The buyer then manually copies this code and enter their mobile banking app or visit a physical ATM to complete the payment through a transfer or cash deposit. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/41f5fd4f-309b-4430-8dbe-4a93e02486ce.png) **Tab: Cash payment** Cash payment indicates a way of payment completed in two steps. A buyer initiates an online payment to obtain a reference code, and then pays by cash at a counter. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/1e37c243-bc16-4365-8330-db7c6013f62c.png) **Tab: Buy now pay later** Buy now pay later (BNPL) is a payment method that allows buyers to buy a certain product first and pay for it at a future date. This alternative payment method offers flexible payment plans that fit the buyer's budget. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/eabb3b44-c7c5-42a7-82ce-fd62300df0bb.png) # Integration options {#RUckG} The general integration procedure that applies to all Antom products consists of the following phases. For more details about configurations for each phase, see [Integration guide](https://docs.antom.com/integration_guide_en.md) . ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/5567e8e8-9314-49c5-bfa9-c67dfdfc8494.png) Antom provides a few integration options, including Payment Element, Checkout Page (CKP), API-only, and Payment links. Each integration option has its own advantages, and you can choose the appropriate solution according to your business needs and technical level. | **Integration option** | **Payment Element** | **Checkout Page (CKP)** | **API-only** | **Payment links** | | --- | --- | --- | --- | --- | | **Description** | Merchants use Payment Element to render or redirect to the payment method's checkout page link. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/054517ec-1b96-4e8b-a43d-0f8ebec53401.png) | Merchants redirect buyers to Antom's intermediate page, where buyers select a payment method and are then redirected to the corresponding checkout page. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/0e897cfb-2bd9-4147-8707-872b4640f7b2.png) | Merchants directly redirect buyers to the payment method's checkout page link. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/dd56d2c1-a29e-45c6-9124-8f9a89453c03.png) | Merchants configure a payment link from the backend and send it to buyers offline for payment. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/0eb6bc64-1a44-4182-9021-66d0a806cd69.png) | | **Integration effort** | Low (Web/WAP/App) | Minimal | Low (Web/WAP); Slightly higher (App) | No development required | | **User experience** | Excellent | Average | Good | Average | | **Integration API** | [**createPaymentSession (One-time Payments)**](https://docs.antom.com/ac/ams/session_cashier.md) | [**createPaymentSession (One-time Payments)**](https://docs.antom.com/ac/ams/session_cashier.md) | [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md) | None | | **Supported platforms** | Web (PC), WAP (Mobile), App (Mobile) | Web (PC), WAP (Mobile), App (Mobile, requires external app redirection) | Web (PC), WAP (Mobile), App (Mobile) | Web (PC), WAP (Mobile) | | **Supported payment methods** | 70+ | 70+ | 70+ | 70+ | ## Payment Element {#FlmnW} Antom Payment Element is a payment component integrated via SDK, designed to provide a seamless payment experience and help increase conversion rates. For different terminal types, Antom provides Web Element that supports Web/Wap and Mobile Element that supports merchant apps. **Tab: Web Element** If you use the Payment Element-rendered payment method list, all supported payment methods will be displayed on the checkout page by default. The following figure shows a new card payment scenario where Payment Element displays the card detail collection page for buyers to complete the payment: ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/5dfc12e9-e7d1-4a44-98b9-cb5475f5d707.png) The following flow illustrates how to integrate One-time Payments using Payment Element: ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/047938a8-2ce8-4fe3-a919-c2d7d7e343a3.png) **Tab: Mobile Element** If you use the Payment Element-rendered payment method list, all supported payment methods will be displayed on the checkout page by default. The following figure shows a new card payment scenario where Payment Element displays the card detail collection page for buyers to complete the payment: ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/054517ec-1b96-4e8b-a43d-0f8ebec53401.png) The following flow illustrates how to integrate One-time Payments using Payment Element: ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/47f3836c-03c0-452f-b3e2-c4217016ba8d.png) For detailed integration steps, refer to [Payment Element integration](https://docs.antom.com/ac/cashierpay/element.md) . ## Checkout Page {#IL0v0} Antom Checkout Page (CKP) provides you with a suite of optimized pre-built payment features designed to increase conversions with minimal code. Simply direct your buyers to Antom payment page to easily and securely process one-off payments. **Tab: Hosted mode** Integrate via API to redirect your buyers to the Antom Checkout Page to make payments. The following illustration shows an example of the user experience on the mobile platform. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/9aea313f-c4f1-4838-820e-0a167a1c369a.png) The following process shows how to integrate the hosted CKP: ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/41faee6c-13d6-4dc0-938d-f051346122ee.png) For detailed integration steps, refer to [Hosted checkout page integration](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md) . **Tab: Embedded mode** Integrate with Antom SDK to embed the Antom Checkout Page into your product payment page for buyers to make payments. The following illustration shows an example of the user experience on the mobile platform. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/0b25ca95-554e-4271-b0c5-acc492bf0e84.png) The following process shows how to integrate the embedded CKP: ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/1927a524-d6b2-4a83-89e3-649f1946c577.png) For detailed integration steps, refer to [Embedded checkout page integration](https://docs.antom.com/ac/cashierpay/embeddedckp.md) . ## API-only {#o2Urv} Antom APIs provide you with highly flexible payment functions, making it easy to integrate more customized payment functions into your websites or applications. Antom APIs integration enables the development of a fully customized payment solution according to business needs, offering more control over details. By calling APIs with specific functions, you can track and process each transaction. In comparison with integrating through Antom SDKs, this integration method requires more coding and development works as well as a deep understanding of API functions. **Tab: APM payments** Integrate One-time Payments to support a variety of online payment methods, including digital wallets, online banking and card payments, effectively reducing the technical barrier. The following illustration shows an example of the user experience on the mobile platform. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/ed4987a2-a971-49e0-b1be-099bfdb54a89.png) The payment flow of each payment method is shown as follows: ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/82189e60-eb44-42ea-a7fc-be18c9f574ef.png) For detailed integration steps, refer to [APM payments](https://docs.antom.com/ac/cashierpay/apm_api.md) . **Tab: Hosted card payments** Integrate card payment methods through the hosted mode, which protects you from PCI-DSS restrictions because sensitive data is not passed through your servers and there is no requirement for you to be PCI certified. The following illustration shows an example of the user experience with stored cards on the mobile platform. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/3f4a675c-1fd0-48f4-9011-eea3d7a9bedc.png) For card payments with the hosted mode, the payment flow is shown as follows: ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/d38e0f47-7725-46eb-b6b4-cb1ef7c83409.png) This mode collects the buyers' card information on Antom's intermediate page. For detailed integration steps, refer to [Hosted mode](https://docs.antom.com/ac/cashierpay/cardcollant.md) . **Tab: Server-to-server card payments** Integrate card payment methods through the server-to-server mode, which is suitable for merchants who have high requirements for customized payment processes. The following illustration shows an example of the user experience with stored cards on the mobile platform. ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/9ca30733-d389-40f5-b27f-5741f767e76e.png) For card payments with the server-to-server mode, the payment flow is composed of the following steps: ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/361272c9-d3cf-45fb-a1d1-ed4ce5985626.png) This mode requires that you are PCI certified, and you need to collect the buyer's card information independently. For detailed integration steps, refer to [Server-to-server mode](https://docs.antom.com/ac/cashierpay/cardinfocallmerchant.md) . ## Payment links {#BmStH} Payment links help you easily conduct online sales without the need for technical integration. You can quickly create payment links with just a few clicks on [Antom Dashboard](https://dashboard.alipay.com/global-payments/home) . These links can then be shared multiple times on social media, via email, or on your website to invite buyers to place orders.