> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developers.clearpay.co.uk/v-2/immediate-payment-flow/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developers.clearpay.co.uk/_mcp/server.

# Immediate Payment Flow

This flow completes the payment approval, starts the consumer's payment plan, and settles the full order value with the merchant - all as a combined action.

1. Merchant calls the [Get Configuration](/api-reference/online-api/configuration/get-configuration) endpoint to retrieve Clearpay order limits, possibly as part of an asynchronous scheduled background process.
2. Merchant stores these minimum and maximum order values server-side.
3. Separately, at the checkout, Merchant uses the stored Clearpay minimum and maximum order values to determine if Clearpay should be presented as an available payment method.
4. Merchant calls the [Create Checkout](/api-reference/online-api/checkouts/create-checkout) endpoint to retrieve a Clearpay order token.
5. Merchant uses the token in combination with the [JavaScript afterpay.js](/javascript-afterpayjs) to direct the Consumer through the Clearpay screenflow.
6. Consumer completes the Clearpay screenflow and is returned to the Merchant website.

* If the Consumer clicks "confirm", they will be returned to the Merchant website with the `orderToken` and a `status` of "SUCCESS".
* If the Consumer cancels, they will be returned to the Merchant website with the `orderToken` and a `status` of "CANCELLED".

7. If the merchant is able to fulfil the order, the merchant calls the [Capture Full Payment](/immediate-payment-flow/capture-full-payment) endpoint to capture the payment.

* Payment status ("APPROVED" or "DECLINED") is only known once [Capture Full Payment](/immediate-payment-flow/capture-full-payment) has been completed.
* If the payment was approved by Clearpay, the Merchant presents the Consumer with an order confirmation/receipt page.
* If the payment was declined by Clearpay (e.g. the Consumer’s card details are entered incorrectly), the Merchant presents an appropriate message to the Consumer at the checkout.

## Docs

- [Express Checkout Payload (Capture Full Payment)](https://developers.clearpay.co.uk/v-2/express-checkout-payload-capture-full-payment.md): 

## API Docs

- Immediate Payment Flow [Capture Full Payment](https://developers.clearpay.co.uk/v-2/immediate-payment-flow/capture-full-payment.md)

## OpenAPI Specification

The raw OpenAPI 3.1 specification for this API is available at:
- [OpenAPI JSON](https://developers.clearpay.co.uk/openapi.json)
- [OpenAPI YAML](https://developers.clearpay.co.uk/openapi.yaml)