Offline Bank Transfer
Intro
In pilotOffline Bank Transfer is a European offline banking system, allowing your customers to transfer funds from their bank accounts to merchants via the SEPA Credit Transfer (SCT) scheme.
Bank Transfer is a highly accessible payment method for your customers across Europe, enabling you to receive your funds within 2 to 5 working days.
You invite your customers to open their online banking application. They authenticate and enter the bank transfer details, or scan a QR code with pre-filled data. Once we receive the funds into our collection account, we perform the reconciliation and confirm the transaction to you via a specific notification. You will be paid out the day after the funds are collected.
The integration is very easy, as it is integrated into the Hosted Checkout Page for Collect/Full Service merchants. Activation is done through your Full Service/Collect contract.
The customer's bank details (name and IBAN) are recorded once the transaction has been completed successfully. To comply with GDPR, you must inform your customers about this data collection if you store this information on your system.
Onboarding
To use Offline Bank Transfer in our live environment, sign a Full Service or a Collect contract with Worldline S.A./N.V. We will be happy to get you started.
Austria
Belgium
France
Germany
Italy
Luxembourg
Netherlands
Slovakia
Integration
Redirect your customers to a payment form via our Hosted Checkout Page. Find a high level overview in the "Process flows" chapter.
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"
}
}
}
}| Property | Remarks |
|---|---|
|
order.amountOfMoney |
amount: The gross amount you want to charge for this order. currencyCode: The ISO 4217 currency code for this amount. |
|
order.references.descriptor |
A dynamic descriptor appearing on your customers' bank statement. Although not mandatory, we strongly recommend adding it to your order for maximum transparency. |
|
order.customer.contactDetails.emailAddress |
Your customer's e-mail address. Our platform will send notifications to your customer about the order's status. |
|
redirectPaymentMethodSpecificInput |
paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter. It instructs our platform to send your customers directly to the payment form. If omitted, our platform sends your customers to the Hosted Checkout Page instead, allowing them to choose this or any other payment method that is active in your account. returnUrl: The URL we redirect your customers to after the payment has been finalised.
|
Find detailed information about this object and its properties in our CreateHostedCheckoutAPI.
Process flows
- Your customers finalise an order in your shop and select Offline Bank Transfer.
- You send this CreateHostedCheckout request to our platform.
- You redirect your customers via the redirectUrl to a confirmation screen, displaying an e-mail input field.
- Your customers enter their e-mail address and click on “Proceed to pay”. We update the transaction to statusOutput.statusCode=46.
- 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.
- 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.
- We redirect your customer to your returnUrl and update the transaction to statusOutput.statusCode=4.
- You request the intermediate transaction result (statusOutput.statusCode=4) from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
- 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.
- You request the final transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
- If the transaction was successful, you can deliver the goods / services.
Testing
Refer to our Test cases for test data and detailed instructions.
- Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests.
- The data in our Test cases ONLY work for payment requests in our test environment. Using this data in our production environment will lead to undesirable testing results.