> For the complete documentation index, see [llms.txt](https://docs.xyb.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xyb.co/xyb-platform-1/xyb-payments/payment-setup/payment-workflows/standard-payment-flow-tutorial.md).
# Standard Payment Flow - Tutorial
Learn how to configure and activate a **Standard Outbound Payment Flow,** a built-in workflow for handling the end-to-end lifecycle of outbound payments: from request, validation, and creation to authorization and clearance.
#### Step 1: Create a New Workflow
1. Go to **Workflows** > **Payments**
2. Click + **New Workflow**.
3. In the **Plan** dropdown, select **Payment flow plan**. This is a pre-defined template that covers the full lifecycle of an outbound payment, handling validation, creation, authorization, and clearance steps automatically within the platform.
4. Give your workflow a name, e.g., Outbound EUR Payment
5. Choose a **workflow reference** (usually you can leave it as the default workflow-name unless you need to reference it programmatically)
6. Add a **description** to explain the purpose of the workflow.
7. Click **Create workflow.**
#### Step 2: Configure Workflow Parameters
The workflow canvas appears as you create the new workflow with pre-defined settings.
This workflow defines the full lifecycle of an outbound payment—from the initial request and validation to creation, authorization, and final clearance. If validation fails, the payment is marked as invalid; if successful, it progresses through creation and authorization steps before reaching a cleared or failed state.
1. **Click Edit parameters** on top right. These parameters make the flow executable by telling it:
* Which schema to use (how to interpret the payment)
* How to move money across accounts (ledger movement instructions)
2\. Fill in the Schema Name and Ledger Instructions.
3. Click **Save parameters**.
4. Once reviewed, click **Activate** at the top right to make the workflow live.
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