Checkout
| Integration type | API Reference |
| Payment Page | |
| Payment Link |
Coverage
| Countries | the United Kingdom (GBR), Germany (DEU), the Netherlands (NLD), Spain (ES), and France (FRA). *In Sweden, Denmark, and Norway, a local bank account is required to receive funds/settlements. Please contact us for more information. |
| Currencies | Euro (EUR), British Pound (GBP) |
| Min amount | Bank dependent |
| Max amount | Bank dependent |
Capabilities
| Recurring | No |
| Refund | Yes |
| Partial refunds | Yes |
| Multiple partial refunds | Yes |
| Chargeback | No |
Principle of operation
- Selection at checkout
Customer selects Pay by Bank at checkout. - Payment initiation
Customer is redirected to the open banking checkout page and chooses their bank from the provided options. - Authentication and authorization
Customer authorizes the payment in their banking app. - Payment confirmation
Customer approves the payment, which may result in one of the statuses approved / declined / settle_pending - Merchant notification
Merchant receives a notification Webhook confirming the payment status.
Store payment method
If the customer selects Pay faster next time=
YES
, the desired Bank is saved for quicker transactions in the future. This is applicable if the merchant records the same customer_email for initial and follow-up payments.
Store a bank via first payment.
Pay via stored bank for follow-up payment.
Payment processing times
Open banking payments are designed to be processed instantly whenever possible. However, banks might not support instant payments or choose a payment scheme different from the one requested. As a result, not all initiated payments are instant.
Button display requirements
Location specifics
Specific payment methods and descriptors for each country ensure a smooth and secure transaction experience.
| Country | Payment method (name, choose one of) | Optional payment descriptors (choose one of) |
|---|---|---|
| UK | Pay by Bank (recommended as default payment method name) | A faster, more secure way to pay. |
| Fast and secure. No card needed. | ||
| Securely check out directly from your bank account. | ||
| Germany | Echtzeitüberweisung | Eine schnellere und sicherere Art zu bezahlen. |
| Schnell, einfach, sicher. Keine Karte erforderlich. | ||
| Bezahlen Sie sicher direkt von Ihrem Bankkonto. | ||
| Netherlands | Bank Betaling | Een snellere en veiligere manier van betalen. |
| Snel, gemakkelijk, veilig. Geen kaart nodig. | ||
| Betaal veilig rechtstreeks vanaf uw bankrekening. | ||
| Spain | Transferencia Online | Una forma de pago más rápida y segura. |
| Rápido, fácil, seguro. No se necesita tarjeta. | ||
| Pague de forma segura directamente desde su cuenta bancaria. | ||
| France | Paiement Bancaire | Un moyen de paiement plus rapide et plus sécurisé. |
| Rapide, facile, sécurisé. Aucune carte nécessaire. | ||
| Payez en toute sécurité directement depuis votre compte bancaire. |
Assets for each location
View and download country-specific visual assets and payment descriptors to enhance the checkout experience for each region.
| Country | Visual | Checkout assets |
|---|---|---|
| UK |  |
.ZIP |
| Germany |  |
.ZIP |
| Netherlands |  |
.ZIP |
| Spain |  |
.ZIP |
| France |  |
.ZIP |
Handle Pay by Bank errors
Specific errors may occur when a customer pays using Pay by Bank. These errors usually indicate that the payment was not completed due to the customer’s actions or a bank-side decision.
- 0.02 Order expired
- 3.04 Transaction is declined by issuer
-
3.05
Call your bank
This decline indicates that Pay by Bank payments are not enabled in the customer’s banking app. The customer should check their app settings, enable Open Banking payments, and attempt the transaction again. - 5.08 Invalid transaction