Offline Bank Transfer

Countries & currencies

Supported countries

• Austria
• Belgium
• France
• Germany
• Italy
• Luxembourg
• Netherlands
• Slovakia

Supported currencies

• Euro (EUR)

Integration

We offer this payment methods for the following integration modes. Learn in our dedicated guides about their individual differences:

• Hosted Checkout Page
• Server-to-server

Find a high level overview in the "Process flows" chapter.

Depending on the integration mode, differences apply:

• Hosted Checkout Page
• Server-to-server

Hosted Checkout Page

Add the following properties to a standard CreateHostedCheckout request:

{
	"order": {
		"amountOfMoney": {
			"amount": 100,
			"currencyCode": "EUR"
		},
		"references":{
			"descriptor":"MerchantDescriptor"
		},
		"customer": {
			"contactDetails": {
				"emailAddress": "wile.e.coyote@acmelabs.com"
			}	
		}
	},
	"redirectPaymentMethodSpecificInput": {
		"paymentProductId":11,
		"redirectionData":{
			"returnUrl":"https://yourReturnUrl.com"
		}
	}
}

Server-to-server

Add the following properties to a standard CreatePayment request:

{ 
	"order": {
		"amountOfMoney": { 
			"amount": 100, 
			"currencyCode": "EUR" 
		},
		"references": { 
			"descriptor": "MerchantDescriptor" 
		}
	},
	"redirectPaymentMethodSpecificInput": {
		"paymentProductId": 11,     
		"paymentProduct11SpecificInput": { 
			"skipEmailValidation" : true 
		}
	}
}

Process flows

1. Your customers finalise an order in your shop and select Offline Bank Transfer.
2. You send this CreateHostedCheckout request to our platform.
3. You redirect your customers via the redirectUrl to a confirmation screen, displaying an e-mail input field.
4. Your customers enter their e-mail address and click on “Proceed to pay”. We update the transaction to statusOutput.statusCode=46.
5. Our platform redirects your customer to the payment screen, displaying your bank details and the order data as a QR code and in plain writing.
6. Your customers make the bank transfer via their banking app, either by scanning the QR code or by manually entering the bank details and order data. They confirm the bank transfer by clicking on "Payment is done" on the payment screen.
7. We redirect your customer to your returnUrl and update the transaction to statusOutput.statusCode=4.
8. You request the intermediate transaction result (statusOutput.statusCode=4) from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
9. Your customers' bank transfers the funds to our colleting account via either a standard (within 1-2 days) or instant transfer (within a few minutes). We update the transaction to statusOutput.statusCode=9. If our collecting does not receive the funds within 5 calendar days, we will update the transaction to statusOutput.statusCode=2.
10. You request the final transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
11. If the transaction was successful, you can deliver the goods / services.

Server-to-server

1. Your customers finalise an order in your shop and select Offline Bank Transfer.
2. You send this CreatePayment request to our platform.
3. We update the transaction to statusOutput.statusCode=41. Our platform sends a response containing a merchantAction object. Depending on the how you want to define the payment flow, differences apply:
   

   a) You display a payment form on your checkout page or send an e-mail to the customer, containing the bank details as provided in
   merchantAction.showFormData.paymentProduct11,  including order.references.descriptor combined with merchantAction.showFormData.paymentProduct11.paymentReference.

   b) You display an EPC QR Code on your checkout page using merchantAction.showFormData.paymentProduct11.qrCode.

4. Your customers make the bank transfer via their banking app, either by scanning the QR code or by manually entering the bank details. They confirm the bank transfer using a call-to-action element located on your checkout page.
5. You request the intermediate transaction result (statusOutput.statusCode=41) from our platform via GetPaymentDetails or receive the result via webhooks.
6. Your customers' bank transfers the funds to our colleting account via either a standard (within 1-2 days) or instant transfer (within a few minutes). We update the transaction to statusOutput.statusCode=9. If our collecting does not receive the funds within 5 calendar days, we will update the transaction to statusOutput.statusCode=2.
7. You request the final transaction result from our platform via GetPaymentDetails or receive the result via webhooks.
8. If the transaction was successful, you can deliver the goods / services.

Testing

Refer to our Test cases for test data and detailed instructions.