Concepts
Understand payment flows, consent lifecycle, mandates, Spare Link, and webhooks.
Before writing integration code, understand how money, consent, and bank authorization fit together on Spare. These guides are written for onboarding engineers and product owners, no prior open banking experience required.
In this guide
- How open banking and payment initiation work on Spare
- The full path from payment request to settlement
- When to use mandates, Spare Link, or webhooks
Recommended reading order
Choose your path
| If you need… | Read next |
|---|---|
| Hosted bank UI | Spare Link |
| Recurring / scheduled debits | Mandates |
| Confirm a payee before paying | Verification |
| Production notifications | Webhooks |
All concept guides
Open Banking
Platform architecture, core objects, and authorization models.
Webhooks
Event delivery, verification, and handler patterns.
Payment Flow
Four phases from payment request to settlement.
Consent Lifecycle
Status state machine and integration pitfalls.
Mandates
Recurring, scheduled, and on-demand payment types.
Spare Link
Hosted bank UI, delivered by the React Native and Flutter SDKs.
Ready to integrate?
After reading Payment Flow and Consent Lifecycle, follow the Quickstart (15 min) then Payments.