> ## Documentation Index
> Fetch the complete documentation index at: https://magic-21.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# User Experience

> Overview of How it works.

A simple and rewarding checkout experience your customers love. No account, routing, or microdeposits needed.

## Step 1: Choose Magic at checkout

* Customer completes shopping and selects the Magic Pay by Bank option at the checkout.
* Magic will open it's hosted page and will prompt with Two factor authentication page, where customer can authenticate with their phone number.

<Frame>
  <img src="https://mintcdn.com/magic-21/KxC5JHlHAYp3i_tp/images/step1-1.png?fit=max&auto=format&n=KxC5JHlHAYp3i_tp&q=85&s=faee9b7a7ea63bbfdaf99d305962d4fe" style={{ borderRadius: '0.5rem' }} width="360" height="629" data-path="images/step1-1.png" />
</Frame>

<Frame>
  <img src="https://mintcdn.com/magic-21/KxC5JHlHAYp3i_tp/images/step1-2.png?fit=max&auto=format&n=KxC5JHlHAYp3i_tp&q=85&s=b0ceebd725b142a9afb1a9f3badb2e45" style={{ borderRadius: '0.5rem' }} width="359" height="630" data-path="images/step1-2.png" />
</Frame>

## Step 2: Authenticate with Plaid

* We use Plaid to link customer’s bank account, just like Venmo or Cashapp. It’s free, seamless, and secure.
* Once customer successfully authenticate, then they will need to authenticate with bank and need to link their payment method with Plaid.

<Frame>
  <img src="https://mintcdn.com/magic-21/KxC5JHlHAYp3i_tp/images/step2-1.png?fit=max&auto=format&n=KxC5JHlHAYp3i_tp&q=85&s=eddf90ae9087c42599de3142d22e1a97" style={{ borderRadius: '0.5rem' }} width="358" height="625" data-path="images/step2-1.png" />
</Frame>

<Frame>
  <img src="https://mintcdn.com/magic-21/KxC5JHlHAYp3i_tp/images/step2-2.png?fit=max&auto=format&n=KxC5JHlHAYp3i_tp&q=85&s=c0c871b287d3251a573ea7e6bb16270e" style={{ borderRadius: '0.5rem' }} width="360" height="628" data-path="images/step2-2.png" />
</Frame>

## Step 3: Pay with Magic

* Supercharge existing subscription discounts with Magic's additional rewards at checkout!
* On successfully linking bank with plaid, customer will redirect to complete purchase page where customer will process with **Pay Now** button and it will redirect to relatively success or error page based on payment response.

<Frame>
  <img src="https://mintcdn.com/magic-21/KxC5JHlHAYp3i_tp/images/step3-1.png?fit=max&auto=format&n=KxC5JHlHAYp3i_tp&q=85&s=25b86a88fdda7126e100684089ac8da0" style={{ borderRadius: '0.5rem' }} width="355" height="622" data-path="images/step3-1.png" />
</Frame>

<Frame>
  <img src="https://mintcdn.com/magic-21/KxC5JHlHAYp3i_tp/images/step3-2.png?fit=max&auto=format&n=KxC5JHlHAYp3i_tp&q=85&s=5bc8a313a33d3fbf2f4b33f77502428b" style={{ borderRadius: '0.5rem' }} width="357" height="623" data-path="images/step3-2.png" />
</Frame>

Magic combines a user-friendly interface with strong security features to provide an optimal user experience. Please refer to our detailed documentation for step-by-step instructions on each component.