# Notice of change - Enhancement to provide Auto redeem for 2-step payments

Issued: 21st February 2023 | TB-022123

### What's changing?

Token.io has introduced auto redeem for Single Immediate Payments (SIP) for banks that require a 2-step initiated payment flow.

### What problem will this solve?

For banks using 2-step payment flows, a payment request is split into two parts:

1. end-user (PSU) authentication
2. payment execution


Previously, Token.io didn't support the ability for TPPs to automatically redeem tokens for 2-step SIP. TPPs had to explicitly confirm authentication from the PSU with the bank.

This meant that TPPs had to handle this additional layer of complexity and have a clear understanding of which banks used 2-step flows in order to manage payments.
In addition, 2-step flows add a potential point of failure between Token.io and TPPs.

Using auto redeem, TPPs now have the option to automatically redeem authentication tokens for 2-step flows, avoiding the need to confirm authentication with the bank.

### Who's affected by this change?

This is an optional change that will only affect you if you're using Single immediate Payments (SIP) services for banks that require 2-step payment initiation flows as part of Token.io's Payment Initiation Services (PIS).

If you're currently using 2-step payments and don't wish to implement this change, you don't need to do anything.

If you're a provider of Token.io services to TPPs, you can choose to implement this change on a TPP-by-TTP basis.

It's also possible to support both 1-step and 2-step flows within the same implementation, if required.

This change doesn't affect you if you're using Token.io's Account Information Service (AIS).

### What action do I need to take?

#### Existing customers

If, as an existing customer, you'd like to make use of the auto redeem feature for 2-step payments, contact your Implementation Manager or [Support](https://support.token.io/) and they will enable it for you.

#### New customers

New customers will have the auto redeem feature turned on by default. If you'd like this feature turned off, in order to use 2-step payments without auto redeem, please contact your Implementation Manager or .

### What are the technical details of this change?

The [POST /transfers](../../api/reference/Transfers-for-Payments-v1#operation/GatewayService.CreateTransfer) call is no longer required when the auto redeem flag is turned on.
You'll continue to receive the `transferId` when you make the [GET /token-requests/{tokenRequestId}/result](../../api/reference/Requests-for-Payments-v1-or-AIS#operation/GatewayService.GetTokenRequestResultWithStatus) call.

### Where can I get further information?

For assistance with the above and other operational aspects of the Token.io Account-to-Account Infrastructure, please contact [Token Support](https://support.token.io/).