Payment Type Guides
Choose and implement the right payment flow for your product.
Spare supports multiple payment types under one consent and payment-request model. Each type maps to a different commercial pattern; this hub links to the right integration path.
Country matters
Not every type is available in every region. Check Coverage and use the country selector before building.
Quick picker
| Payment type | Use when | Guide |
|---|---|---|
SingleInstantPayment | One-off checkout or invoice | Single instant |
FixedPeriodicSchedule / VariablePeriodicSchedule | Subscriptions, rent, installments | Recurring & scheduled |
FixedOnDemand / VariableOnDemand | Pre-auth + charge later (utilities, top-ups) | On-demand |
FixedDefinedSchedule / VariableDefinedSchedule | Known future dates (loan schedule) | Defined schedule |
Shared building blocks
Every payment type uses the same primitives:
- Payment request, declares type, beneficiary, and instructions
- Consent, payer authorizes at their bank (direct API or Spare Link)
- Execution, Spare submits debits per the schedule or on demand
- Mandate, created for any non-SIP type to track recurring or future debits
Read Payment flow and Mandates before starting a type-specific guide.