> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bango.com/llms.txt
> Use this file to discover all available pages before exploring further.

# High-level sequence diagram

> An overview of data flow for user identification, payment, and refund

Here's a simplified view of the request/response flow across the network when you use the Bango Payment API. Each payment, and any subsequent refund, involves the following:

1. Identifying the user
2. Authorizing the payment – creating a transaction ID and reserving funds, where possible
3. Capturing the payment – finalizing the transaction and transferring funds from the user
4. Refunding the payment (where necessary)

![](https://developer.bango.com/static/main/payment/seq/seq-high-level.svg)

See [Bango Payment / Identifying users](/legacy/dcb-payments-v5/identifying-users/index) and [Bango Payment / Transactions](/legacy/dcb-payments-v5/transactions/index) for detailed information. Some steps might use more than one HTTP request/response between the store and the Bango Platform.