Accept Bank Transfer payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.
Requirements
Requirement | Description |
---|---|
Integration type | Make sure that you have built an API only integration. |
Webhooks | Make sure that you have configured standard webhooks. |
Setup steps | Before you begin, contact our Support Team to add Bank Transfer in your Customer Area. Also tell them what type of value you want us to generate as the reference that shoppers need to use on their bank transfer: a short version of the transaction's PSP reference, or the reference from your payment request. |
Build your payment form
-
In your POST /paymentMethods request, use:
currency
: EUR and thecountryCode
for one of the supported European countries.
orcurrency
: USD andcountryCode
: US
-
When you receive the
/paymentMethods
response, note the object for Bank Transfer:name
: Bank Transfer. Use this to show the payment method in your payment form.type
: bankTransfer_IBAN. Use this in your payment request as thepaymentMethod.type
.
-
Make sure that when shoppers select Bank Transfer, you obtain their email address or other contact details so that you can inform them when their transfer is completed.
Make a payment
-
Make a /payments request, specifying:
Parameter Required Description paymentMethod.type
bankTransfer_IBAN returnUrl
Your URL, with a maximum of 1024 characters. The shopper will not be redirected to their bank and then back to your site. However, this is a required parameter so you must specify it regardless. countryCode
The shopper's country/region. Format: the two-letter ISO-3166-1 alpha-2 country code.
This is used to return a virtual bank account number and other parameters required for bank transfers in the shopper's country/region. -
In the
/payments
response, note the action object. This contains the transfer details that you need to present to the shopper, so that the shopper can copy those to their bank transfer instruction.Save the following transfer details:
Parameter Description beneficiary
Your Doing Business As (DBA) name. This is the static part of the transaction description defined in your Customer Area. Any dynamic transaction description specified in payment requests is ignored. iban
andbic
The virtual bank account details for EUR transactions, consisting of the IBAN and the BIC. accountNumber
androutingNumber
The virtual bank account details for USD transactions, consisting of the account number and the routing number. totalAmount.currency
andtotalAmount.value
The currency and amount of the transaction. reference
An automatically generated value, either a short version of the transaction's PSP reference, or the reference
from the payment request. Our Support Team can configure your preference when you ask them to add Bank Transfer in your Customer Area, but this cannot be changed later.
Present the transfer details
- Using the action object parameters from the
/payments
response, present the details that the shopper must specify when they initiate the bank transfer in their (online or mobile) banking environment. - Ensure that in addition to the transfer details, you also present:
- Instructions for the shopper about what to do.
- An explanation of what will happen next. For example, how you are going to confirm their payment, and when you are going to fulfill their order.
Confirm payment
The bank transfer payment stays Open until funds arrive in the virtual bank account. When the funds arrive, the payment status is updated to Settled or SettledAcquirer.
We inform you of changes in the payment status using AUTHORISATION webhooks. You can also view the status of bank transfer payments in your live Customer Area.
To confirm payment:
-
Check that you have received an AUTHORISATION webhook that confirms that the funds have arrived. This webhook includes:
- The
pspReference
from the/payments
response. paymentMethod
: bankTransfer_IBANsuccess
: true
- The
-
Contact