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

# Submit a checkout payment action

> Continues an in-progress checkout payment that needs another interactive step (for example card OTP entry). Authorised by `checkout_ref`, which must have been issued for this payment or for the payment link it belongs to.




## OpenAPI

````yaml /api-reference/external/openapi.yaml post /payment-links/payments/{payment_id}/action
openapi: 3.0.3
info:
  title: PCX API
  description: >
    The PCX integration API. Every request requires two headers: `X-Api-Key`
    (your API key — the only supported credential) and `Authorization` (always
    the literal string `NONE`).
  version: '1.0'
servers:
  - url: https://prod-api.pcxpay.com/v1
    description: Production
  - url: https://devs.pcxpay.com/v1
    description: Development
security: []
tags:
  - name: Payment Initiation
    description: Initiate payments and poll for status
  - name: API Keys
    description: Create and manage API keys for programmatic access
  - name: Webhooks
    description: Register endpoints and receive transaction notifications
  - name: Beneficiaries
    description: Manage payment recipients
  - name: Payments
    description: Initiate and track payments
  - name: Bank Validation
    description: Validate bank accounts before initiating a payment
  - name: Transactions
    description: Query the financial transaction ledger
  - name: Virtual Accounts
    description: Multi-currency virtual account provisioning and fund operations
  - name: Payment Links
    description: Generate shareable payment links for customer checkout
  - name: Escrow
    description: Milestone-based escrow projects, parties, contracts, and funding
paths:
  /payment-links/payments/{payment_id}/action:
    parameters:
      - $ref: '#/components/parameters/AuthorizationHeader'
      - $ref: '#/components/parameters/XApiKeyHeader'
    post:
      tags:
        - Payment Links
      summary: Submit a checkout payment action
      description: >
        Continues an in-progress checkout payment that needs another interactive
        step (for example card OTP entry). Authorised by `checkout_ref`, which
        must have been issued for this payment or for the payment link it
        belongs to.
      operationId: submitCheckoutPaymentAction
      parameters:
        - name: payment_id
          in: path
          required: true
          schema:
            type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - action
                - checkout_ref
              properties:
                action:
                  type: string
                  example: submit_otp
                action_data:
                  type: object
                  nullable: true
                  additionalProperties: true
                checkout_ref:
                  type: string
      responses:
        '200':
          description: Action accepted
          content:
            application/json:
              schema:
                type: object
                properties:
                  status:
                    type: string
                    example: success
                  data:
                    type: object
                    additionalProperties: true
        '400':
          $ref: '#/components/responses/BadRequest'
components:
  parameters:
    AuthorizationHeader:
      name: Authorization
      in: header
      required: true
      description: >-
        Reserved for PCX-managed applications. External API integrations must
        always send the literal string `NONE` — this is the only accepted value.
      schema:
        type: string
        enum:
          - NONE
        default: NONE
        example: NONE
    XApiKeyHeader:
      name: X-Api-Key
      in: header
      required: true
      description: Your API key. This is the only supported credential.
      schema:
        type: string
        default: NONE
        example: pcx_abc123_xxxx
  responses:
    BadRequest:
      description: Invalid request parameters
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
  schemas:
    ErrorResponse:
      type: object
      properties:
        message:
          type: string
        status:
          type: string
          enum:
            - error

````

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