About
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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 Instant 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.
fasterPayments	Used specially in the United Kingdom and is using AccountNumber and SortCode.

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Logo

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Info

Instant Payment is based on SEPA Instant Payment or Standard SEPA Payments and therefore widely supported and based on Open Banking Standards.

The implementation is currently based on platform Token.io.

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 Instaneavia OpenBanking	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 InstantPayment 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

Instant Banking interface

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

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OpenBankOpenBanking.aspx

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MultiExcerptName	Request_Intro
PageWithExcerpt	Reuse API

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sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MerchantID
page	MerchantID
type	page

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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

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static	true
name	Amount
page	Amount
type	page

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static	true
name	Currency
page	Currency
type	page

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static	true
name	MAC
page	MAC
type	page

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 ENBackoffice.

Key

Format

CND

Description

Beschreibung

PayType

a..11

O

Defines type of Instanea InstantPayment payment:

Value

Meaning

sepasepaInstant

Instanea

InstantPayment type "

sepa

sepaInstant" is used

sepaInstant

; default, if not specified

sepa

InstantPayment Instanea type "sepaInstantsepa" is useddefault, if not specified

fasterPayments

Payment type used in GB (UK)

Definiert die Art der Instanea InstantPayment Zahlung:

Wert	Bedeutung
sepasepaInstantInstanea	InstantPayment type "sepaInstant" (default)
sepa	sepaInstant	Instanea InstantPayment type "sepaInstant" (defaultsepa"
fasterPayments	Zahlung für GB (UK)

Account

an..3430

O

If you have multiple

IBANs

Bank Accounts configured at Open Banking Operator and setup in

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, you may select another one than the default

OrderDesc

ans..768

O

.

The account can be named, e.g.

MerchantShop1 → referring to bank account IBAN1 DE01123456781234567890
MerchantShop2 → referring to bank account IBAN2 FR02123456781234567890
MerchantUK → referring to a fasterPayments-Setup using another bank account (via AccountNo, Sortcode)

The naming for "account" needs to be agreed with

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.

Wenn Sie beim Open Banking Operator mehrere Bankverbindungen konfiguriert und

in

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DE

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eingerichtet haben, können Sie eine andere als die Standard-Bankverbindung auswählen.

Das Konto kann benannt werden, z.B.

MerchantShop1 → verwendet Bankkonto IBAN1 DE01123456781234567890
MerchantShop2 → verwendet Bankkonto IBAN2 FR02123456781234567890
MerchantUK → verwendet das FasterPayments-Setup (UK) (über AccountNo, Sortcode)

Der Wert für "Account" ist bitte mit unserem

Beschreibung der gekauften Waren, Einzelpreise etc.

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

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können Sie die kompletten Daten einsehen

abzustimmen.

OrderDesc

ans..768

O

Description of purchased goods, unit prices etc.

That value is shown to the consumer in the OpenBanking Payment Form.

Beschreibung der gekauften Waren, Einzelpreise etc.

Dieser Wert wird dem Endkunden im OpenBanking Zahlungsformular angezeigt.

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static	true
name	UserData
page	UserData
type	page

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static	true
name	URLSuccess
page	URLSuccess
type	page

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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

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

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static	true
name	Plain
page	Plain
type	page

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static	true
name	Custom
page	Custom
type	page

Parameters for online transfers with Instant Payment

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static	true
name	MID
page	mid
type	page

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static	true
name	PayID
page	PayID
type	page

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name	XID
page	XID
type	page

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static	true
name	TransID
page	TransID
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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

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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 InstantPayment (transfer-id).	Eindeutige TransaktionsId von Instanea InstantPayment (transfer-id).
ExtCode	n..3	O	External Response Code from Open Banking Operator

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static	true
name	UserData
page	UserData
type	page

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static	true
name	MAC
page	MAC
type	page

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static	true
name	Plain
page	Plain
type	page

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static	true
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page	Custom
type	page

Return parameters for URLSuccess, URLFailure and URLNotify with Instant Payment

Setup with OpenBanking-provider Token.io

As

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does not have access to your Token.io setup you need to send us the information required for setup in

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.

You will have access to your Token.io-Dashboard after signing the contract.

Please login into your Token.io Dashboard (https://dashboard.token.io/) and send the information to

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- in clear text, not as a screenshot:

Company name → as defined in Account Settings -> Company Information
MemberId, Alias, Token Public Key → taken from Settings -> Member Information
API Key → taken from Settings -> Authentication Keys
List of your merchant bank accounts (beneficiaries) → taken from Settings -> Beneficiary

A sample mail to

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could look like:

Panel

My Token.io setup

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Customization and Testing with OpenBanking-provider Token.io

How a payment looks like

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How to customize your payment / Token.io-account

After signing your contract with the Open Bank Operator (Token.io) you will get access to their dashboard.

Production-URL: https://dashboard.token.io/

There you can set up:

your user details and company information (e.g. Company name, Billing details, ...)

Settings → Configuration

General

Here the "Display Name" can be changed. This is the recipient shown to the consumer ("To" / "Empfänger"):

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Webhook

Webhook must be set to technical

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URL:

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/OpenBankingComplete.aspx

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Web App Bank Selection

It's possible to limit bank selection for your consumers. It's recommended to allow "Enable all banks". The consumer can then select any supported bank.

CSS (styling of Token.io Web App (shown to your customer)

It's possible to upload your own merchant logo and customize CSS styling of Web App (shown to consumer):

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After you've uploaded your merchant logo and customized your CSS styles the new WebApp-layout can be tested via Payload Builder:

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After doing CSS modification a test payment can be initiated to check design:

API Key and MemberID are automatically set by Payload Builder
(4) Description must be unique for each payment
(5) Amount must be used with decimal point
(6) Currency must be EUR
(7) IBAN is merchant's IBAN, i.e.: any of your benificiary IBAN
(8) merchant's BIC is optional → leave empty
(9) for testing use any Url, e.g. https://www.google.com
(10) click on "Generate"

Then click on Test (1)

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A new tab/window will open with new design:

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key
key
Settings → Authentication Keys

Please generate an API Key for your configuration and send it to

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:

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We also need your MemberID and other information which is shown in next section.

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member
member
Settings → Member Information

The information shown here is also needed for setup in

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:

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beneficiary
beneficiary
Settings → Beneficiary

Your merchant account may have multiple bank accounts configured. Each bank account can have an account name (assigned by you) and is defined

either with IBAN/BIC (SEPA based)
or with Account Number / Sort Code (FasterPayments / UK)

A sample setup may look like this:

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Testing in Sandbox-mode

As long as your OpenBanking Setup is not setup in Production Mode you can test it in Sandbox Mode.

Therefore please use test data shown here: Test Instant Payment

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Key

About
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Instant Payment

General information about
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Instant Payment

Use cases

Process flow chart

Multiexcerpt include
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MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface

Calling the

Instant Banking interface

Setup with OpenBanking-provider Token.io

My Token.io setup

Customization and Testing with OpenBanking-provider Token.io

How a payment looks like