Pay by Bank payments

Overview

Payment gateway supports integration with Tink to process payments via Pay by Bank.

Pay by Bank - a secure and efficient payment method that allows a customer to make online purchases directly from their bank account. It removes the need for third-party apps by connecting the customer directly with their bank.

The customer can choose this payment method at checkout, after which a list of available banks will be displayed to them. Once the customer selects the bank in the list, they will be redirected to their bank’s online banking portal or mobile app. After logging in, the customer can review the transaction details, choose which bank account to fund the transaction and authorise the payment.

To accept payments via Pay by Bank, you must have this function enabled (contact support team to enable it).

API request of order registraion

To process a payment via Pay by Bank, you should pass the following parameters in the order registration request register.do:

• Pass the required parameter tinkRemittanceInformationValue in the jsonParams object ;
• Optional parameters tinkMarketCountry, tinkLocale can be passed in the jsonParams object to specify the country and locale;
• You can also register an order with features=FORCE_PAYMENT_WAY (to force payment via Pay by Bank). In such a case, you should include the paymentWay parameter with the value PAY_BY_BANK_TINK and pluginName parameter with the value ALTERPAY among the additional order parameters jsonParams. Sending features=FORCE_PAYMENT_WAY is possible only if you have sufficient permissions in the payment gateway. To enable it, please contact support team.

Request example

curl --request POST \
  --url https://demo-pay.mano.bank/payment/rest/register.do \
  --header 'content-type: application/x-www-form-urlencoded' \
  --data amount=100 \
  --data userName=test_user \
  --data password=test_user_password \
  --data orderNumber=1234567890ABCDEF \
  --data returnUrl=https://mybestmerchantreturnurl.com \
  --data failUrl=https://mybestmerchantfailurl.com \
  --data features=FORCE_PAYMENT_WAY \
  --data 'jsonParams={"tinkRemittanceInformationValue": "123123", "tinkMarketCountry" :"DE", "tinkLocale":"en_US","paymentWay":"PAY_BY_BANK_TINK", "pluginName":"ALTERPAY"}'

Restrictions

Two-phase payments, reversals and refunds are prohibited.