> For the complete documentation index, see [llms.txt](https://guide.xs2a.com/xs2a/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://guide.xs2a.com/xs2a/integration-cs/features/simple-pay.md).

# Simple Pay

With Simple Pay we will help you to initiate payments via PSD2 interfaces more simple and less complicated and to enable end-users to successfully execute a transaction with the help of only one SCA.

Possible use cases:

* PFM providers 
* eCommerce with low fraud risk

**What's important to know about Simple Pay?**

Simple Payment can only be used via PSD2 interfaces. In contrast to previous pay transactions, a special feature of Simple Payment is that no Account Information Service (AIS) is executed and required; only the payment in the form of the PIS is executed. 

*The improved user experience is the main goal.*

**What does a transaction without AIS mean?**

* One SCA required to initiate a transaction*.* 
* No account view for a Simple Payment transaction. 
* No security settings check (e.g. no account balance check)
* IBAN has to be provided

Simple Payment is only available for selected PSD2 interfaces in **DE** and **AT** (under the condition that the PSD2 transport routes are market-ready).