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

# Collections

> Ways to take money in.

Flick offers four collection rails. They differ in how the payer acts and how long
settlement takes.

| Rail | Payer does | Guide |
| - | - | - |
| Virtual account / IBAN | Transfers to a dedicated account number | [Virtual accounts](https://docs.getflick.co/guides/collections/virtual-accounts.md) |
| Checkout | Pays on a hosted page | [Checkout](https://docs.getflick.co/guides/collections/checkout.md) |
| Card | Enters card details, then PIN/OTP | [Checkout](https://docs.getflick.co/guides/collections/checkout.md) |
| Direct debit | Approves a mandate once, then you debit | [Direct debit](https://docs.getflick.co/guides/collections/direct-debit.md) |

All four report settlement by [webhook](https://docs.getflick.co/webhooks/overview.md), not in the response to
the call that created them.


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