# Fast pay

*<mark style="color:orange;">Only apply for International card</mark>*. APIOperation = <mark style="color:red;">FAST\_PAY</mark>

**Fast Pay** is a direct payment method that enables the collection of recurring charges without requiring OTP verification from customers, making the payment process quick and seamless.&#x20;

The system will immediately process the transaction by calling API Pay with the card information or token without redirect customers to an authentication page (OTP challenge page).

With the **Fast Pay API**, merchant can integrate this method into their system to handle recurring transactions, such as membership fees or subscription services, automatically and securely.

## Workflow

<figure><img src="/files/f9rrksbkdPFiPra4XBar" alt=""><figcaption></figcaption></figure>

## Customer journey

The follow sample customer journey is for payment method = INTERNATIONAL CARD:

{% hint style="info" %}
View information about terms/definitions in [Glossary](/upc/payment-gateway/appendix/glossary.md)
{% endhint %}

1. Customer completes order information and initiates a transaction with a payment method (for example, INTERNATIONAL Card), API Operation = Fast Pay.
2. Customer enters card information: Card number, Card holder name, card issue date/expired date and CVV. Then clicks "Submit" to proceeds to complete  the payment.

<figure><img src="/files/mWtkGUg6PKbZOZPGJc6q" alt=""><figcaption></figcaption></figure>

3. Merchant collects the payment details of a payer in the application or website and send the payment details directly to the Galaxy Pay Gateway to process the transaction.
4. The customer is shown (failed/successful) on merchant website based on the transaction status from Galaxy Pay

<figure><img src="/files/BpfKydfgU5Q8NUXDumVZ" alt=""><figcaption></figcaption></figure>

## Benefits of Fast pay

1. **Optimized Payments**: Automated transactions without authentication reduce verification steps and increase processing speed.
2. **Flexible Integration**: Integration with any application, website, call center, billing system, or Interactive Voice Response (IVR) system.
3. **Seamless User Experience**: Customers don’t need to repeat actions for each recurring transaction, saving time and improving satisfaction.
4. **Stable Cash Flow Management**: Automatic collection helps businesses forecast and manage budgets effectively.
5. **Cost Savings**: Reduces costs associated with manual verification and minimizes data entry errors.
6. **High Security**: No OTP required, yet customer data remains secure.

## Integration

See integration detail in [General integration steps](/upc/payment-gateway/payment-solution/general-integration-steps.md) and API fields in [Fast Pay](/upc/payment-gateway/api-specification/payment/fast-pay.md)


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