Payments app - oAuth and passing accessing token to payments api's

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We are in process of creating our payments app, and would like to know below:

1. After we authenticate the merchant using oAuth we get an access token, is this access token onetime or we need to request for a refresh token. -
2. Do we need to pass this access token in the header while processing a payment. Couldn't find anything on this page -
3. Is payment app an embedded public app or simply a public app - This will help us whether we need to make use of session tokens for our payment app.



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