About
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MultiExcerptName Partner-Name
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Instant Payment

draft

General information about
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Instant Payment

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Instant Payment is based on the Standard Open Banking and belongs to payment category Online Bank Transfer.

The merchant initiates a payment, the customer is forwarded to an Open Banking Operator to allow country and bank selection and finally forwards the customer to their bank to approve and complete the payment.

Open Banking allows two different modes:

Mode	Description
sepa	Supported by all banks and is based on SEPA payments.
sepaInstant	Supported by most banks and is based on SEPA Instant payments so money is transferred to merchant account typically within 10 seconds.

Page properties

Logo
Info
Type	Payments by Online Bank Transfer

Table of Contents

Use cases

Supported use cases			Supported interface
Use case	Description	Simple process	S-2-S	HPP
Authorization + Capture	Merchant wants to authorize payment and capture on delivery	not supported use "Sale" instead to authorize and capture a payment within one step.
Sale (one-shot)	Merchant wants to collect money from customer via Instanea	Merchant's shop initiates Instant payment request and receives URL to Open Banking Operator Merchant redirects customer to Open Banking Operator URL Customer enters bank account data (IBAN) and his/her name (account holder name) and confirms payment Merchant's shop gets a notification about successful payment		coming soon
full or partial Credit	Merchant wants to credit some money back to customer after a payment has been successfully completed	not supported	coming soon
full or partial Reversal	Merchant wants to cancel a payment which has not been completed	not supported

Process flow chart

draw.io Diagram

border	true
diagramName	Instanea Sale
simpleViewer	false
links	auto
tbstyle	top
lbox	true
diagramWidth	1109

Instant Payment process flow

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interface

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Calling the Open Banking interface

To process a payment with online transfer with Instant Payment, call up the following URL:

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OpenBank.aspx

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MultiExcerptName	Request_Intro
PageWithExcerpt	Reuse API

Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1623741378316_1056203061
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	request

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1623741378318_-1881547046
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MerchantID
page	MerchantID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Key	Format	CND	Description	Beschreibung
RefNr	an..18	M	Reference is mandatory and must be unique for each payment, allowed characters: A..Za..z0..9.	Die Referenznummer des Zahlungsvorganges. Sie muss eindeutig und einmalig sein und darf nur aus folgenden Zeichen bestehen: A..Za..z0..9

Table Excerpt Include

static	true
name	Amount
page	Amount
type	page

Table Excerpt Include

static	true
name	Currency
page	Currency
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Key

Format

CND

Description

Beschreibung

PayType

a..11

O

Defines type of Instanea payment:

Value

Meaning

sepa

Instanea type "sepa" is used

sepaInstant

Instanea type "sepaInstant" is used

default, if not specified

Definiert die Art der Instanea Zahlung:

Wert	Bedeutung
sepa	Instanea type "sepa
sepaInstant	Instanea type "sepaInstant" (default)

Account

an..34

O

If you have multiple IBANs configured at Open Banking Operator, you may select another one than the default

OrderDesc

ans..768

O

Description of purchased goods, unit prices etc.

Please note: The first 27 characters appear on the customer-account statement. You can view the full data in

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MultiExcerptName	Backoffice-Name
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.

Beschreibung der gekauften Waren, Einzelpreise etc.

Bitte beachten Sie: Die ersten 27 Zeichen erscheinen auf dem Kontoauszug des Kunden. In

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MultiExcerptName	Backoffice-Name
PageWithExcerpt	DE:Wording

können Sie die kompletten Daten einsehen.

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

Table Excerpt Include

static	true
name	URLSuccess
page	URLSuccess
type	page

Table Excerpt Include

static	true
name	URLFailure
page	URLFailure
type	page

Table Excerpt Include

static	true
name	Response
page	Response
type	page

Table Excerpt Include

static	true
name	URLNotify
page	URLNotify
type	page

Table Excerpt Include

static	true
name	ReqId-ans..32
page	ReqId
type	page

Table Excerpt Include

static	true
name	Plain
page	Plain
type	page

Table Excerpt Include

static	true
name	Custom
page	Custom
type	page

Parameters for online transfers with Instant Payment

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MultiExcerptName	Response_IntroURL
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Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1623742037710_1376413864
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	response

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1623742037712_1947564843
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MID
page	mid
type	page

Table Excerpt Include

static	true
name	PayID
page	PayID
type	page

Table Excerpt Include

static	true
name	XID
page	XID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Key

Format

CND

Description

Beschreibung

Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

AUTHORIZE_REQUEST (URLSuccess), Description=PENDING: it may take up to an hour to get final status

OK (URLSuccess) oder FAILED (URLFailure)

AUTHORIZE_REQUEST (URLSuccess), Description=PENDING: es dauert bis zu einer Stunde bis zum finalen Status

Table Excerpt Include

static	true
name	Status_OK_FAILED
page	Status
type	page

Table Excerpt Include

static	true
name	Description
page	Description
type	page

Table Excerpt Include

static	true
name	Code
page	Code
type	page

Key	Format	CND	Description	Beschreibung
RefNr	ans..30	M	Reference is mandatory and must be unique for each payment, allowed characters: A..Za..z. Digits are not allowed!	Die Referenznummer des Zahlungsvorganges. Sie muss eindeutig und einmalig sein und darf nur aus folgenden Zeichen bestehen: A..Za..z. Ziffern sind nicht erlaubt!
TransactionID	ans..64	M	Unique transaction id returned by Instanea (transfer-id).	Eindeutige TransaktionsId von Instanea (transfer-id).
ExtCode	n..3	O	External Response Code from Open Banking Operator

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Table Excerpt Include

static	true
name	Plain
page	Plain
type	page

Table Excerpt Include

static	true
name	Custom
page	Custom
type	page

Return parameters for URLSuccess, URLFailure and URLNotify with Instant Payment

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About
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Instant Payment

General information about
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PageWithExcerpt Wording
Instant Payment

Use cases

Process flow chart

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interface

Calling the Open Banking interface

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Key

About Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePartner-NamePageWithExcerptWording Instant Payment

General information about Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePartner-NamePageWithExcerptWording Instant Payment

Use cases

Process flow chart

Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePlatform-KurzPageWithExcerptWording interface

Calling the Open Banking interface

About
Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Partner-Name
PageWithExcerpt Wording
Instant Payment

General information about
Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Partner-Name
PageWithExcerpt Wording
Instant Payment

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface