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Open Banking Component

Add Open Banking to an existing Components integration.

Our Open Banking Component renders Open Banking in your payment form. When making an Open Banking payment, you additionally need to use createFromAction to handle the redirect to the shopper's selected bank, and back to your website.

Before you begin

This page explains how to add Open Banking to your existing Web Components integration. The Web Components integration works the same way for all payment methods. If you haven't done this integration yet, refer to our Components integration guide.

Before starting your Open Banking integration:

  1. Make sure that you have set up your back end implementation, and created an instance of AdyenCheckout.
  2. Add Open Banking in your test Customer Area.

Show Open Banking in your payment form

To present the Open Banking Component in your payment form:

  1. From your server, make a POST /paymentMethods request specifying:

  2. Pass the full response to the paymentMethodsResponse object when creating an instance of the AdyenCheckout.

  3. Add the Open Banking Component:

    a. Create a DOM element for Open Banking, placing it where you want the form to be rendered:

    <div id="openbanking"></div>

    b. Create an instance of the Open Banking Component, and mount it. You can also include optional configuration for presenting the list of issuing banks.

    Field Description Default
    showImage Set to true to show the issuer image in the dropdown. true
    issuer Value that denotes an issuer's ID. null
    const openbanking = checkout.create('openbanking_UK', {
     //Optional configuration
     items: [{id: 1, name: "Model Bank v2"}...],
     showImage: false,
     issuer: "1"
    }).mount('#openbanking');

Make a payment

When the shopper selects to pay, the Component calls the onChange event, which contains a state.data.

  1. If state.isValid is true, collect the state.data and pass this to your server.

  2. From your server, make a /payments, specifying:
    • paymentMethod: The state.data.paymentMethod from the onChange event from your front end.
    • reference: Your unique reference for this payment.
    • amount: The amount that the shopper needs to pay.
    • returnUrl: The URL the shopper will be redirected back to after they complete the payment.
curl https://checkout-test.adyen.com/v52/payments \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
  "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
  "reference":"YOUR_ORDER_NUMBER",
  "amount":{
    "currency":"GBP",
    "value":1000
  },
  "{hint:state.data.paymentMethod from onSubmit}paymentMethod{/hint}":{
    "type":"openbanking_UK",
    "issuer":"1"
  },
  "returnUrl":"https://your-company.com/..."
}'
# Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen::Client.new
adyen.api_key = "YOUR_X-API-KEY"
 
response = adyen.checkout.payments({
  :amount => {
    :currency => "GBP",
    :value => 1000
  },
  :reference => "YOUR_ORDER_NUMBER",
  :paymentMethod => {
    :type => "openbanking_UK",
    :issuer => "1"
  },
  :returnUrl => "https://your-company.com/...",
  :merchantAccount => "YOUR_MERCHANT_ACCOUNT"
})
// Set YOUR_X-API-KEY with the API key from the Customer Area.
// Change to Environment.LIVE and add the Live URL prefix when you're ready to accept live payments.
    Client client = new Client("YOUR_X-API-KEY", Environment.TEST);
    Checkout checkout = new Checkout(client);

    PaymentsRequest paymentsRequest = new PaymentsRequest();

    String merchantAccount = "YOUR_MERCHANT_ACCOUNT";
    paymentsRequest.setMerchantAccount(merchantAccount);

    Amount amount = new Amount();
    amount.setCurrency("GBP");
    amount.setValue(15000L);
    paymentsRequest.setAmount(amount);

    DefaultPaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();
    paymentMethodDetails.setIssuer("1");
    paymentMethodDetails.setType("openbanking_UK");
    paymentsRequest.setPaymentMethod(paymentMethodDetails);

    paymentsRequest.setReference("YOUR_ORDER_NUMBER");
    paymentsRequest.setReturnUrl("https://your-company.com/...");

    PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
$client = new \Adyen\Client();
$client->setXApiKey("YOUR_X-API-KEY");
$service = new \Adyen\Service\Checkout($client);

$params = array(
  "amount" => array(
    "currency" => "GBP",
    "value" => 1000
  ),
  "reference" => "YOUR_ORDER_NUMBER",
  "paymentMethod" => array(
    "type" => "openbanking_UK",
    "issuer" => "1"
  ),
  "returnUrl" => "https://your-company.com/...",
  "merchantAccount" => "YOUR_MERCHANT_ACCOUNT"
);
$result = $service->payments($params);
#Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen.Adyen()
adyen.client.xapikey = 'YOUR_X-API-KEY'

result = adyen.checkout.payments({
   'amount': {
      'value': 1000,
      'currency': 'GBP'
   },
   'reference': 'YOUR_ORDER_NUMBER',
   'paymentMethod': {
      'type': 'openbanking_UK',
      'issuer': '1'
   },
   'returnUrl': 'https://your-company.com/...',
   'merchantAccount': 'YOUR_MERCHANT_ACCOUNT'
})
// Set your X-API-KEY with the API key from the Customer Area.
var client = new Client ("YOUR_X-API-KEY", Environment.Test);
var checkout = new Checkout(client);

var amount = new Model.Checkout.Amount("GBP", 1000);
var details = new Model.Checkout.DefaultPaymentMethodDetails{
  Type = "openbanking_UK",
  Issuer = "1"
};
var paymentRequest = new Adyen.Model.Checkout.PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  ReturnUrl = @"https://your-company.com/...",
  MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
  PaymentMethod = details
};

var paymentResponse = checkout.Payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
const {Client, Config, CheckoutAPI} = require('@adyen/api-library');
const config = new Config();
// Set your X-API-KEY with the API key from the Customer Area.
config.apiKey = '[API_KEY]';
config.merchantAccount = '[YOUR_MERCHANT_ACCOUNT]';
const client = new Client({ config });
client.setEnvironment("TEST");
const checkout = new CheckoutAPI(client);
checkout.payments({
    amount: { currency: "GBP", value: 1000 },
    paymentMethod: {
        type: 'openbanking_UK',
        issuer: '1'
    },
    reference: "YOUR_ORDER_NUMBER",
    merchantAccount: config.merchantAccount,
    returnUrl: "https://your-company.com/..."
}).then(res => res);

The /payments response contains:

  • action.method: GET or POST. The HTTP request method that you should use. After the shopper completes the payment, they will be redirected back to your returnURL using the same method.
    The redirect method depends on your payment method configuration and the length of the data included in the request, so make sure that your integration can handle both HTTP GET and HTTP POST methods.

To verify the payment result, you also need the following from the /payments response:

  • action.paymentData: Store this on your server — this is the paymentData value that you send in your /payment/details request.
  • details: Array of parameters that you need to send in your /payment/details request. For example, payload or redirectResult.
    The parameters can vary based on the payment method configuration. Make sure to check the details array to confirm the parameters that you need to send in your next API request.
/payment response
{
   "resultCode": "RedirectShopper",
   "action": {
      "data": {},
      "method": "GET",
      "paymentData": "Ab02b4c0!M=...",
      "paymentMethodType": "openbanking_UK",
      "type": "redirect",
      "url": "https://test.adyen.com/hpp/skipDetails.shtml?brandCode=openbanking_UK..."
   },
   "details": [
   {
      "key": "payload",
      "type": "text"
   }
   ],
   "paymentData": "Ab02b4c0!M=...",
   "redirect": {
      "method": "GET",
      "url": "https://test.adyen.com/hpp/skipDetails.shtml?brandCode=openbanking_UK..."
   }
}
  1. Pass the action object to your front end.

Handle the redirect result

  1. Call createFromAction and pass the action object from the previous step. This will return a new Component that you need to mount:
       checkout.createFromAction(action).mount('#my-container');

    The Component redirects the shopper to their bank's website to complete the payment.

  2. After the shopper is redirected back to your website, check the payment result by making a /payments/details request, specifying:

    • paymentData: Value you received in the /payments response.
    • details: Object that contains the URL-decoded values of the parameters that were returned when the shopper was redirected back to your site. For example, payload. To check the parameters that you should submit, refer to the details array that you received in the /payments response.

    /payments/details request
    {
      "paymentData":"Ab02b4c0!BQABAgCJN1wRZuGJmq8dMncmypvknj9s7l5Tj...",
      "details":{
        "{hint:Verify the parameters from /payments response}payload{/hint}":"Ab02b4c0!BQABAgCW5sxB4e/=="
      }
    }

    You receive a response containing:

    • resultCode: Use this to present the result to your shopper.
    • pspReference: Our unique identifier for the transaction.

    /payments/details response
    {
      "resultCode": "Authorised",
      "pspReference": "88154795347618C"
    }
For more information and detailed instructions, refer to Handling the redirect result.

Present the payment result

Use the resultCode that you received in the /payments/details response to present the payment result to your shopper.

The resultCode values you can receive for Open Banking are:

resultCode Description Action to take
Authorised The payment was successful. Inform the shopper that the payment has been successful.
You will receive the funds in 2-3 days.
Cancelled The shopper cancelled the payment while on their bank's website. Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.
Pending The shopper has completed the payment but the final result is not yet known. It may take minutes or hours for the Open Banking payments network to confirm this. Inform the shopper that you've received their order, and are waiting for the payment to be completed.
You will receive the final result of the payment in an AUTHORISATION notification.
Refused The payment was refused by the shopper's bank. Ask the shopper to try the payment again using a different payment method.
If a shopper completed the payment but failed to return to your website or app, you will receive the outcome of the payment in an AUTHORISATION notification.

Test and go live

Before accepting live Open Banking payments, test your integration using the following details: 

Bank name Issuer ID Username Password
Model Bank v2 1 mits mits

Check the status of Open Banking test payments in your Customer Area > Transactions > Payments.

Before you can accept live Open Banking payments, you need to submit a request for Open Banking in your live Customer Area.

See also