{"title":"Pay by Bank (Europe)","category":"payment_method","creationDate":1690533960,"content":"<div class=\"additional-info-block output-inline\">\n<div class=\"additional-info-block__body\"><p><img style=\"width: 30px;\" alt=\"Pay by Bank logo\" src=\"\/user\/pages\/docs\/08.payment-methods\/64.pay-by-bank-europe\/paybybank.svg?decoding=auto&amp;fetchpriority=auto\" \/>&nbsp; <strong>Read more<\/strong><\/p><p>Learn about pricing and settlement services for <a href=\"https:\/\/www.adyen.com\/payment-methods\/open-banking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Pay by Bank on adyen.com<\/a>.<\/p><\/div><\/div>\n\n<p>Pay by Bank (Europe) is based on <a href=\"https:\/\/en.wikipedia.org\/wiki\/Open_banking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">open banking<\/a>. It allows shoppers to pay from their bank through an account-to-account payment, which makes the payment experience user-friendly, secure, and cost-effective.<\/p>\n<p>Adyen's Pay by Bank (Europe) solution is currently available in Germany, France and the United Kingdom.<\/p>\n<p>When a shopper selects to pay with Pay by Bank (Europe):<\/p>\n<ol>\n<li>\n<p>The shopper is redirected to our open banking partner Tink in one of the following ways:<\/p>\n<ul>\n<li><strong>Immediately<\/strong>: the shopper is redirected to Tink immediately, and selects their bank from a list shown by Tink.<\/li>\n<li><strong>Issuer selection first<\/strong>: the shopper selects their bank from a list shown in your payment form, and is then redirected to Tink.<br \/>\nThis option is supported in the UK only.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Tink redirects the shopper to the bank's website or mobile app, to complete the payment.<\/p>\n<\/li>\n<li>\n<p>After the payment is completed, the shopper is redirected back to your website or app.<\/p>\n<\/li>\n<\/ol>\n<table class=\"table-payments-methods\">\n    <thead>\n        <tr>\n                            <th>\n                                            Payment type\n                                    <\/th>\n                            <th>\n                                            Payment flow\n                                    <\/th>\n                            <th>\n                                            Countries\n                                    <\/th>\n                            <th>\n                                            Currencies\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/tokenization\" target=\"_blank\">Recurring<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/refund\" target=\"_blank\">Refunds<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/refund\/#refund-a-payment\" target=\"_blank\">Partial refunds<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/refund\" target=\"_blank\">Multiple partial refunds<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/capture\" target=\"_blank\">Separate captures<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/capture\/#partial-capture\" target=\"_blank\">Partial captures<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/capture\/#multiple-partial-captures\" target=\"_blank\">Multiple partial captures<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/risk-management\/chargeback-guidelines\" target=\"_blank\">Chargebacks<\/a>\n                                    <\/th>\n                    <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n                                               <td>\n                     Online Banking\n                                        <\/td>\n                                                               <td>\n                     Redirect\n                                        <\/td>\n                                                               <td>\n                     FR, DE, GB, FI\n                                        <\/td>\n                                                               <td>\n                     EUR, GBP\n                                        <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                                    <span role=\"tooltip\" class=\"tooltip hint--left\" data-hint=\"Only EUR, through SEPA Direct Debit\" aria-describedby=\"Only EUR, through SEPA Direct Debit\">See note<\/span>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" alt=\"x\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" alt=\"x\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" alt=\"x\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                                    <span role=\"tooltip\" class=\"tooltip hint--left\" data-hint=\"no disputes, only non-settlement\" aria-describedby=\"no disputes, only non-settlement\">See note<\/span>\n                                            <\/td>\n                                    <\/tr>\n    <\/tbody>\n<\/table>\n\n<h2>Chargebacks<\/h2>\n<p>In rare scenarios, it is possible that you do not receive the funds even after receiving a successful AUTHORISATION webhook. The successful AUTHORISATION webhook means that the shopper's account passed the verifications by the issuer and our Pay by Bank (Europe) partners, and that the bank transfer was initiated successfully. However, the payment can still fail for the following reasons:<\/p>\n<ul>\n<li>The shopper cancelled the transaction. Some banks allow shoppers to cancel bank transfers until midnight of the day of the transaction.<\/li>\n<li>Some banks process transactions with a delay and do not block the funds for an authorized Pay by Bank payment. For example, if the shopper completes a payment on a Saturday, the bank might only process it on Monday. If the shopper has withdrawn funds in the meantime, the payment can fail due to insufficient funds.<\/li>\n<\/ul>\n<p>In these cases, Adyen is not informed that the transaction failed. We also do not know whether the bank might still process it later.<\/p>\n<p>On our side, the status of the payment is <span translate=\"no\"><strong>SentForSettle<\/strong><\/span> until we receive the funds. You can check the status of the payment in your <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a>.<\/p>\n<p>If we have not received the funds after 8 weekdays, the status of the payment becomes <span translate=\"no\"><strong>Settled<\/strong><\/span>, then <span translate=\"no\"><strong>Chargeback<\/strong><\/span>, and you receive a CHARGEBACK webhook.<\/p>\n<div class=\"notices red\">\n<p>You cannot defend Pay by Bank (Europe) chargebacks.<\/p>\n<\/div>\n<p>In case we receive the money after this point, you receive a CHARGEBACK_REVERSED webhook.<\/p>\n<h2>How do you want to integrate?<\/h2>\n<div class=\"next-steps\" id=\"next-steps\" >\n<a href=\"\/payment-methods\/pay-by-bank-europe\/web\" class=\"next-steps__step\" style=\"width:29%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><p><img style=\"width: 40px;\" alt=\"This is the web icon.\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/web\/web.svg?decoding=auto&amp;fetchpriority=auto\"><\/p><h6 class=\"next-steps__title\">Web<\/h6><p>Use our pre-built UI solutions to add Pay by Bank (Europe) to your website.<\/p><\/div><\/p><\/a><a href=\"\/payment-methods\/pay-by-bank-europe\/api-only\" class=\"next-steps__step\" style=\"width:29%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><p><img style=\"width: 38px;\" alt=\"This is the API only icon.\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/api-only\/checkout-api-only.svg?decoding=auto&amp;fetchpriority=auto\"><\/p><h6 class=\"next-steps__title\">API only<\/h6><p>Build your own UI for Pay by Bank (Europe) in your website, iOS or Android app.<\/p><\/div><\/p><\/a><a href=\"\/unified-commerce\/pay-by-link\" class=\"next-steps__step\" style=\"width:29%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><p><img style=\"width: 38px;\" alt=\"This is the Pay by Link icon.\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/pay-by-link\/pay-by-link.svg?decoding=auto&amp;fetchpriority=auto\"><\/p><h6 class=\"next-steps__title\">Pay by Link<\/h6><p>Add  Pay by Bank (Europe) to your payment methods, and use Pay by Link to accept payments.<\/p><\/div><\/p><\/a><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/payment-methods\/pay-by-bank-europe","articleFields":{"description":"Learn how to accept Pay by Bank (Europe) payments.","feedback_component":true,"payment_method":{"info":{"name":"Pay by Bank (Europe)","tx_variant":["paybybank"],"type":"Online Banking","payment_flow":"Redirect","supported_integrations":{"api-only":{"supported":true},"web-drop-in":{"supported":true},"web-component":{"supported":true},"ios-drop-in":{"supported":true,"url":"N\/A"},"ios-component":{"supported":true,"url":"N\/A"},"android-drop-in":{"supported":true,"url":"N\/A"},"android-component":{"supported":true,"url":"N\/A"},"react-native-drop-in":{"supported":true,"url":"N\/A"},"react-native-component":{"supported":true,"url":"N\/A"},"flutter-drop-in":{"supported":true,"url":"N\/A"},"flutter-component":{"supported":true,"url":"N\/A"}}},"features":{"recurring":true,"refunds":true,"partial_refunds":true,"multiple_partial_refunds":true,"chargebacks":true,"separate_captures":false,"partial_captures":false,"multiple_partial_captures":false},"features_note":{"recurring":"Only EUR, through SEPA Direct Debit","chargebacks":"no disputes, only non-settlement"},"countries":["FR","DE","GB","FI"],"processing_currencies":["EUR","GBP"],"processing_settlement":["EUR","GBP"]},"display_in_overview":true,"id":"42851484","type":"page","_expandable":{"operations":""},"status":"current","last_edit_on":"21-06-2024 10:26","parameters":{"payment_method":"Pay by Bank (Europe)","name_short":"Pay by Bank"},"page_id":"51a6b72c-584f-4caa-83d8-b24e5d268832"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/payment-methods\/pay-by-bank-europe","title":"Pay by Bank (Europe)","content":"\n&nbsp; Read moreLearn about pricing and settlement services for Pay by Bank on adyen.com.\n\nPay by Bank (Europe) is based on open banking. It allows shoppers to pay from their bank through an account-to-account payment, which makes the payment experience user-friendly, secure, and cost-effective.\nAdyen's Pay by Bank (Europe) solution is currently available in Germany, France and the United Kingdom.\nWhen a shopper selects to pay with Pay by Bank (Europe):\n\n\nThe shopper is redirected to our open banking partner Tink in one of the following ways:\n\nImmediately: the shopper is redirected to Tink immediately, and selects their bank from a list shown by Tink.\nIssuer selection first: the shopper selects their bank from a list shown in your payment form, and is then redirected to Tink.\nThis option is supported in the UK only.\n\n\n\nTink redirects the shopper to the bank's website or mobile app, to complete the payment.\n\n\nAfter the payment is completed, the shopper is redirected back to your website or app.\n\n\n\n    \n        \n                            \n                                            Payment type\n                                    \n                            \n                                            Payment flow\n                                    \n                            \n                                            Countries\n                                    \n                            \n                                            Currencies\n                                    \n                            \n                                            Recurring\n                                    \n                            \n                                            Refunds\n                                    \n                            \n                                            Partial refunds\n                                    \n                            \n                                            Multiple partial refunds\n                                    \n                            \n                                            Separate captures\n                                    \n                            \n                                            Partial captures\n                                    \n                            \n                                            Multiple partial captures\n                                    \n                            \n                                            Chargebacks\n                                    \n                    \n    \n    \n        \n                                               \n                     Online Banking\n                                        \n                                                               \n                     Redirect\n                                        \n                                                               \n                     FR, DE, GB, FI\n                                        \n                                                               \n                     EUR, GBP\n                                        \n                                                                \n                        \n                                                    See note\n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                                    See note\n                                            \n                                    \n    \n\n\nChargebacks\nIn rare scenarios, it is possible that you do not receive the funds even after receiving a successful AUTHORISATION webhook. The successful AUTHORISATION webhook means that the shopper's account passed the verifications by the issuer and our Pay by Bank (Europe) partners, and that the bank transfer was initiated successfully. However, the payment can still fail for the following reasons:\n\nThe shopper cancelled the transaction. Some banks allow shoppers to cancel bank transfers until midnight of the day of the transaction.\nSome banks process transactions with a delay and do not block the funds for an authorized Pay by Bank payment. For example, if the shopper completes a payment on a Saturday, the bank might only process it on Monday. If the shopper has withdrawn funds in the meantime, the payment can fail due to insufficient funds.\n\nIn these cases, Adyen is not informed that the transaction failed. We also do not know whether the bank might still process it later.\nOn our side, the status of the payment is SentForSettle until we receive the funds. You can check the status of the payment in your Customer Area.\nIf we have not received the funds after 8 weekdays, the status of the payment becomes Settled, then Chargeback, and you receive a CHARGEBACK webhook.\n\nYou cannot defend Pay by Bank (Europe) chargebacks.\n\nIn case we receive the money after this point, you receive a CHARGEBACK_REVERSED webhook.\nHow do you want to integrate?\n\nWebUse our pre-built UI solutions to add Pay by Bank (Europe) to your website.API onlyBuild your own UI for Pay by Bank (Europe) in your website, iOS or Android app.Pay by LinkAdd  Pay by Bank (Europe) to your payment methods, and use Pay by Link to accept payments.\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Payment methods","lvl2":"Pay by Bank (Europe)"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/payment-methods","lvl2":"\/pt\/payment-methods\/pay-by-bank-europe"},"levels":3,"category":"Payment method","category_color":"green","tags":["(Europe)"]},"articleFiles":{"paybybank.svg":"<img style=\"width: 30px;\" alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/08.payment-methods\/64.pay-by-bank-europe\/paybybank.svg?decoding=auto&amp;fetchpriority=auto\" \/>"}}