About
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Instant Payment

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.

Instant Banking allows 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.

Page properties

Logo

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 and Tink.

Type

Payments by Online Bank Transfer

Table of Contents

Use cases

Supported use cases			Supported interface via Token.io			Supported interface via Tink
Use case	Description	Simple process	S-2-S	Form-based	HPP	S-2-S	Form-based	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 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 via Tink	coming soon
full or partial Reversal	Merchant wants to cancel a payment which has not been completed	not supported

Process flow chart via Token.io

Multiexcerpt

MultiExcerptName	ProcessFlow

draw.io Diagram

border	true
diagramName	InstantPayment

Sale

_CT
simpleViewer	false
links	auto
tbstyle	top
lbox	true
diagramWidth	1109

Instant Payment process flow

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interface

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Process flow charts via Tink

Usecase 1

When customer gives the consent for the upcoming transactions on this merchant for having further transactions without SCA process.

Multiexcerpt

MultiExcerptName	ProcessFlow_Tink1

draw.io Diagram

border	true
diagramName	Sale
simpleViewer	false
links	auto
tbstyle	top
lbox	true
diagramWidth	1108

Instant Payment process flow

Usecase 2

When customer doesn't give the consent for the upcoming transactions on this merchant for having further transactions without SCA process.

Multiexcerpt

MultiExcerptName	ProcessFlow_Tink2

draw.io Diagram

border	true
diagramName	Sale-UC2
simpleViewer	false
links	auto
tbstyle	top
lbox	true
diagramWidth	1108

Instant Payment process flow

Usecase 3

When consent is obtained as described in Usecase 1, and the same customer makes another transaction with the same merchant within 90 days, the merchant can send a request as outlined below to avoid challenging the customer.

Multiexcerpt

MultiExcerptName	ProcessFlow_Tink3

draw.io Diagram

border	true
diagramName	Sale-UC3
simpleViewer	false
links	auto
tbstyle	top
lbox	true
diagramWidth	1108

Instant Payment process flow

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interface

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PageWithExcerpt	Definition EN

Calling the Instant Banking interface via Token.io

To process a payment with online transfer with Instant Payment, please use the following URL:

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MultiExcerptName	BaseURL
PageWithExcerpt	Wording

OpenBanking.aspx

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Request_Intro
PageWithExcerpt	Reuse API

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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*

Calling the Instant Banking interface

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

Multiexcerpt include

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MultiExcerptName	BaseURL
PageWithExcerpt	Wording

OpenBanking.aspx

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MultiExcerptName	Request_Intro
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Table Transformer

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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	CurrencyMerchantID
page	CurrencyMerchantID
type	page

Table Excerpt Include

static	true
name	MACTransID
page	MACTransID
type	page

PayTypea11

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 ist obligatorisch und muss für jede Zahlung eindeutig sein. Erlaubte Zeichen sind: A..Za..z0..9

Table Excerpt Include

static	true
name	Currency_EURGBP
page	Currency
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Bedeutung

Key

Format

CND

Description

Beschreibung

PayType

a..11

O

Defines type of InstantPayment payment:

Value	Meaning

O

Defines type of InstantPayment payment:

Value	Meaning
sepaInstant	InstantPayment type "sepaInstant" is used; default, if not specified
sepa	InstantPayment type "sepa" is used
fasterPayments	Payment type used in GB (UK)

Definiert die Art der InstantPayment Zahlung:

Wert


sepaInstant	InstantPayment type "sepaInstant"

(default)

is used; default, if not specified
sepa	InstantPayment type "sepa" is used
fasterPayments	Payment type used in GB (UK)

Definiert die Art der InstantPayment-Zahlung:

Wert	Bedeutung
sepaInstant	InstantPayment-Typ "sepaInstant" (Standardwert)
sepa	InstantPayment-Typ "sepa"
fasterPayments	Zahlung für GB (UK)

Account

an..30

O

If you have multiple Bank Accounts configured at Open Banking Operator and setup in

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, you may select another one than the default.

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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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

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abzustimmen.

OrderDesc

ans..76835

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.

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

payment form.

Allowed characters: A..Za..z0..9 / - ? : ( ) . , +
Diactrics like äöüÄÖÜ, áéíóú, àèìòù, âêîôû, ... are not allowed

Beschreibung der gekauften Waren, Einzelpreise etc.

Dieser Wert wird dem Endkunden im OpenBanking-Zahlungsformular angezeigt.

Erlaubte Zeichen: A..Za..z0..9 / - ? : ( ) . , +
Sonderzeichen wie äöüÄÖÜ, áéíóú, àèìòù, âêîôû, ... sind nicht erlaubt.

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

Table Excerpt Include

static

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

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Response_IntroURL
PageWithExcerpt	Reuse API

Table Filter

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isFirstTimeEnter	false
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isOR	AND
separator	Point (.)
order	0

Multiexcerpt

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Table Transformer

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export-word	false
show-source	false
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id	1623742037712_1947564843
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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

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 . 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 bestehenist obligatorisch und muss für jede Zahlung eindeutig sein. Erlaubte Zeichen sind: A..Za..zz0..9. Ziffern sind nicht erlaubt!
TransactionID	ans..64	M	Unique transaction id returned by InstantPayment (transfer-id).	Eindeutige TransaktionsId von InstantPayment (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

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

Calling the Instant Banking interface via Tink

Creating Payment Request

To process a payment with online transfer with Instant Payment, please use the following URL:

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	BaseURL
PageWithExcerpt	Wording

OpenBanking.aspx

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Request_Intro
PageWithExcerpt	Reuse API

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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 ist obligatorisch und muss für jede Zahlung eindeutig sein. Erlaubte Zeichen sind: A..Za..z0..9

Table Excerpt Include

static	true
name	Currency_EURGBP
page	Currency
type	page

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Key

Format

CND

Description

Beschreibung

CustomerID

ans..20

C

Permanent User ID, only mandatory when EvenToken: CTWC, so userID can be used for creating delegated authorization for consecutive payments.

Permanente Benutzer-ID, nur obligatorisch, wenn EvenToken: CTWC, sodass die Benutzer-ID zum Erstellen einer delegierten Autorisierung für aufeinanderfolgende Zahlungen verwendet werden kann.

EventToken

ans..4

M

Value	Meaning
TWC	Initiating payment by taking consent for 90 days
TWOC	Initiating payment without obtain a consent
CTWC	Consecutive Payment with obtained consent

Wert	Bedeutung
TWC	Auslösen der Zahlung durch Einholen der Zustimmung für 90 Tage
TWOC	Auslösen der Zahlung ohne Einholen einer Zustimmung
CTWC	Nachfolgende Zahlung mit erhaltener Zustimmung

CountryCode

a2

M

The country code (in ISO 3166-1 alpha-2 format) of the primary market of the payer.

Possible values: DE, EE, ES, FI, FR, GB, IT, LT, NL, NO, PT, SE

Der Ländercode (im Format ISO 3166-1 Alpha-2) des Primärmarktes des Zahlers.

Mögliche Werte: DE, EE, ES, FI, FR, GB, IT, LT, NL, NO, PT, SE

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	Plain
page	Plain
type	page

Table Excerpt Include

static	true
name	Custom
page	Custom
type	page

Parameters for online transfers with Instant Payment

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Response_IntroURL
PageWithExcerpt	Reuse API

Table Filter

default	Beschreibung
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MultiExcerptName	response_Tink

Table Transformer

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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

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 ist obligatorisch und muss für jede Zahlung eindeutig sein. Erlaubte Zeichen sind: A..Za..z0..9. Ziffern sind nicht erlaubt!
TransactionID	ans..64	M	Unique transaction id returned by InstantPayment (transfer-id)	Eindeutige Transaktions-ID von InstantPayment (transfer-id)
CustomerID	ans..20	C	If the customer's consent is obtained for the Skipping SCA use case, the CustomerID will be returned to the merchant to be provided for consecutive sales requests.	Wenn die Zustimmung des Kunden für den Anwendungsfall „SCA überspringen“ erhalten wurde, wird die Kunden-ID an den Händler zurückgegeben, um sie für nachfolgende Verkaufsanfragen bereitzustellen.

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

Credit with reference

Credits (refunds) are possible via a Server-to-Server connection. The

Multiexcerpt include

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MultiExcerptName	Platform-Name
PageWithExcerpt	Wording

permits only credits for Instant Payment that reference a previously made transaction via

Multiexcerpt include

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MultiExcerptName	Platform-Name
PageWithExcerpt	Wording

. The amount of the credit is limited to the amount of the sale transaction.

To carry out a credit with a reference transaction, please use the following URL:

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	BaseURL
PageWithExcerpt	Wording

credit.aspx

Multiexcerpt include

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MultiExcerptName	Request_Intro
PageWithExcerpt	Reuse API

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isOR	AND
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Multiexcerpt

MultiExcerptName	credit_request

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1706091772185_-1836334891
transpose	false
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sql	SELECT * FROM T*

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
name	MerchantID
page	MerchantID
type	page

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
name	PayID_Credit
page	PayID
type	page

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
name	TransID
page	TransID
type	page

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
name	MAC
page	MAC
type	page

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
name	Amount
page	Amount
type	page

Table Excerpt Include

static	true
name	Currency_EURGBP
page	Currency
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 ist obligatorisch und muss für jede Zahlung eindeutig sein. Erlaubte Zeichen sind: A..Za..z0..9. Ziffern sind nicht erlaubt!

Parameters for credits of Instant payments via Tink

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Response_Intro
PageWithExcerpt	Reuse API

Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
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hidePane	true
datepattern	dd M yy
id	1706091772187_1991118444
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	credit_response

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1706091772188_-447395272
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

isFirstTimeEnter	true
static	true
v	2
name	MID
page	mid
type	page

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
name	PayID
page	PayID
type	page

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
name	XID
page	XID
type	page

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
name	TransID
page	TransID
type	page

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

isFirstTimeEnter	true
static	true
v	2
name	Code
page	Code
type	page

Result parameters for credits of Instant payments via Tink

Setup with OpenBanking-provider Tink

As

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Partner-Name
PageWithExcerpt	Wording

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

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	Wording

.

You will have access to your Tink-Console after signing the contract.

Please login into your Tink Console (https://console.tink.com/login) then set up your account as described in https://docs.tink.com/resources/console/set-up-your-tink-account send the information to

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	Wording

– in clear text, not as a screenshot:

client_id: this is the unique ID for your app. This key is public and is instantly available once you create an app.
client_secret: this is a secret key for your app. This key authenticates your app with the Tink API.

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 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

Table Filter

hideControls	false
inverse	false
totalrow	,,,,,
hidelabels	false
sparkName	Sparkline
hidePane	true
disableSave	false
separator	Point (.)
sparkline	false
labels	Hide Columns
default	Kategorie&&Kommentar&&Wert
isFirstTimeEnter	false
cell-width	150
hideColumns	true
datepattern	dd M yy
disabled	false
enabledInEditor	false
globalFilter	false
id	16844888455871685014852448_251515740-228874398
updateSelectOptions	false
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
order	0

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Category	Kategorie	Value	Wert	Comment	Kommentar
Account Setting

Account Setting

Kontoeinstellung
Company Name

Company Name

Member Information	Member Information
Firmenname	John Doe Limited	Max Mustermann GmbH
Member ID	Member ID	m:YCkxxxxxxxxxxxxxxxxxxxxxxxv:5zKtXEAq	m:YCkxxxxxxxxxxxxxxxxxxxxxxxv:5zKtXEAq
Alias	Alias	{"type":"DOMAIN","value":"xxxxxxxxxxxxx"}	{"type":"DOMAIN","value":"xxxxxxxxxxxxx"}
Public Token Key	Public Token Key	iYCC0wJXDO0Q-Bqqyi49mD_z-_IWqfmlP_jwGWWNKds	iYCC0wJXDO0Q-Bqqyi49mD_z-_IWqfmlP_jwGWWNKds	Should always be this value; Pls. let us know if it's a different one.	Es sollte immer dieser Wert sein; wenn nicht, teilen Sie uns diesen bitte mit.
Authentication Keys

Authentication Keys

Authentifizierungsschlüssel
API Key	API Key	bS1xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxzJm	bS1xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxzJm
Beneficiary Information

Beneficiary Information

Informationen zum Begünstigten
Beneficiary

Beneficiary

Begünstigter

Account Name

Country

Currency

IBAN / Account Number

BIC / Sort Code

DE01

Germany

EUR

Your IBAN used as standard

Your BIC used as standard

DE02

Germany

EUR

Optional: Another IBAN which could be selected via

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-parameter "Account"

BIC for this IBAN

UK01

United Kingdom

GBP

Optional: Your Account Number for UK / FasterPayments

Your Sort Code for UK / FasterPayments

Account Name

Kontoname

Country

Land

Currency

Währung	IBAN /

Account Number

Kontonummer	BIC /

Sort Code

Bankleitzahl
DE01

Germany

Deutschland	EUR	Die IBAN, welche standardmäßig verwendet werden soll	Die BIC, welche standardmäßig verwendet werden soll
DE02

Germany

Deutschland

EUR

Optional: Eine weitere IBAN, welche mit dem

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-Parameter "Account" selektiert werden kann

BIC für diese IBAN

UK01

United Kingdom

Vereinigtes Königreich

GBP

Optional: Ihre Kontonummer für UK / FasterPayments

Ihr Sort Code für UK / FasterPayments

Customization and Testing with OpenBanking-provider Token.io

How a payment looks like

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Table Filter

hideControls	false
inverse	false
totalrow	,,,
hidelabels	false
sparkName	Sparkline
hidePane	true
disableSave	false
separator	Point (.)
sparkline	false
labels	Hide Columns
default	Beschreibung&&German
isFirstTimeEnter	false
cell-width	150
hideColumns	true
datepattern	dd M yy
disabled	false
enabledInEditor	false
globalFilter	false
id	16847433789041685444730643_-12067276631438657823
updateSelectOptions	false
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
order	0	0

Static:

Logo is taken from

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English

German

Description

Beschreibung

Image Removed

English

Deutsch

Description

Beschreibung

Image Added

Static:

Logo is taken from Token.io-Dashboard → Configuration → CSS
To is from Token.io-Dashboard → Configuration → Display name

Dynamic / from API request:

One-time payment of is taken from API-amount (e.g. amount=123)
Transaction Ref No is taken from API-RefNr
Description is taken from API-OrderDesc

Consumer:

selects From to choose consumer bank
and enters IBAN
then clicks Accept to login into consumer bank and confirm payment

Statisch:

Das Logo stammt vom

Token.io-Dashboard →

Configuration

Konfiguration → CSS

To /

Empfänger

is from

ist von Token.io-Dashboard →

Configuration

Konfiguration →

Display name

Anzeigename

Dynamic

Dynamisch /

from

von API

request

-Anfrage:

One-time payment of / Einmalzahlung is taken from API-amount (e.g

Einmalzahlung wird vom API-Betrag übernommen (z.B. amount=123)

Transaction Ref No /

Ende-zu-Ende Referenz

is taken from

wird von der API-RefNr genommen

Description / Verwendungszweck is taken from

Verwendungszweck stammt aus API-OrderDesc

Consumer

Verbraucher:

selects From / Von to choose consumer bank

and enters IBAN

then Accept payment to login into consumer bank and confirm payment

wählt mittels Von die Bank aus
gibt die IBAN ein
und klickt dann auf Zustimmen zur Anmeldung bei der Bank und Bestätigung der Zahlung

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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Image Modified

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.

Anchor
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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About
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Instant Payment

General information about
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Instant Payment

Use cases

Process flow chart via Token.io

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interface

Process flow charts via Tink

Usecase 1

Usecase 2

Usecase 3

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interface

Calling the Instant Banking interface via Token.io

Calling the Instant Banking interface

Calling the Instant Banking interface via Tink

Creating Payment Request

Credit with reference

Setup with OpenBanking-provider Tink

Setup with OpenBanking-provider Token.io

My Token.io setup

Customization and Testing with OpenBanking-provider Token.io

How a payment looks like

How to customize your payment / Token.io-account

Settings → Configuration

General

Webhook

Web App Bank Selection

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

Anchor
key
key
Settings → Authentication Keys

Anchor
member
member
Settings → Member Information

Anchor
beneficiary
beneficiary
Settings → Beneficiary

Testing in Sandbox-mode

Paygate

Computop

Help

Intranet Tools

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Key

About Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePartner-NamePageWithExcerptWording Instant Payment

General information about Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePartner-NamePageWithExcerptWording Instant Payment

Use cases

Process flow chart via Token.io

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Process flow charts via Tink

Usecase 1

Usecase 2

Usecase 3

Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePlatform-KurzPageWithExcerptWording interface

Calling the Instant Banking interface via Token.io

Calling the Instant Banking interface

Calling the Instant Banking interface via Tink

Creating Payment Request

Credit with reference

Setup with OpenBanking-provider Tink

Setup with OpenBanking-provider Token.io

My Token.io setup

Customization and Testing with OpenBanking-provider Token.io

How a payment looks like

How to customize your payment / Token.io-account

Settings → Configuration

General

Webhook

Web App Bank Selection

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

AnchorkeykeySettings → Authentication Keys

AnchormembermemberSettings → Member Information

AnchorbeneficiarybeneficiarySettings → Beneficiary

Testing in Sandbox-mode

About
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Instant Payment

General information about
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interface

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interface

Anchor
key
key
Settings → Authentication Keys

Anchor
member
member
Settings → Member Information

Anchor
beneficiary
beneficiary
Settings → Beneficiary