About Instanea
General information about Instanea
Instanea is an acceptance solution based on payment initiation as defined by PSD2, which allows you to receive instant transfers.
Through this solution, your company and your customers benefit from all the advantages of instant transfers:
- Speed: Transfer executed in less than 10 seconds with immediate availability of funds.
- Convenience: 24/7 availability all year round and notification to the payor in the event of rejection of the transaction.
- Ease: Choice of the reference of the transfer, allowing you to make an automatic reconciliation
- Secure payment: no risk of chargeback with SEPA Instant
…And a simple user journey for your customers.
Whether for in-store sales or online on your website, the Instanea user experience is fluid and secure.
Your customer fills their shopping cart – online or in-store:
1. She/he chooses the “Pay by instant transfer” option from among the payment methods offered.
2. Your customer selects his/her bank and gives his/her consent for the transaction, then s/he is redirected to its Bank
3. She/he log in to its online banking
4. She/he validates the transaction using its strong authentication tool provided by its Bank.
When the customer buys in store, a link will be sent to him (via email/SMS). Please contact your Cash Management Relationship Manager for more information about the set up in store.
With Instanea, your customers pay for their purchases with ease. The advantages are numerous, for you and for your customers:
- You diversify the payment methods offered and improve your conversion rate.
- You offer payment with no impact on your customers' credit card limits.
- You reduce the risk of chargeback thanks to the instant transfer (irrevocable transaction).
- Your accounting reconciliation is facilitated and may be automatized thanks to the unique and customizable reference that you provide, to be found on each instant transfer received.
- You streamline your customer experience: no data to enter.
- You offer a means of payment adapted to consumer expectations, accessible on computers and smartphones
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Use cases
Supported use cases | Supported interface | |||
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Use case | Description | Simple process | S-2-S | HPP |
Authorization + Capture | Merchant wants to authorize payment and capture on delivery |
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Sale (one-shot) | Merchant wants to collect money from customer via Instanea |
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full or partial Credit | Merchant wants to credit some money back to customer after a payment has been successfully completed |
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full or partial Reversal | Merchant wants to cancel a payment which has not been completed |
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Process flow charts
Standard Instanea process
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Instanea process flow
Instanea with modal-based redirection
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Calling the Instanea interface
To process a payment with online transfer with Instanea, please use the following URL:
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Table Excerpt Include | isFirstTimeEnter | true | static | true |
Key Format CND Description Beschreibung
Die Referenznummer ist obligatorisch und muss für jede Zahlung eindeutig sein. Erlaubte Zeichen sind: A..Za..z0..9
PayType |
2-stelliger Sprachcode (z.B. it), der für die Zahlungsseiten für den Kunden bevorzugt werden soll
Definiert die Art der Instanea-Zahlung:
OrderDesc ans..768 O
Description of purchased goods, unit prices etc. Please note: The first 37
Beschreibung der gekauften Waren, Einzelpreise etc. Bitte beachten Sie: Die ersten 37 Zeichen erscheinen auf dem Kontoauszug des Kunden (basierend auf Ihrer Konfiguration). In
isFirstTimeEnter | true | static | true | v | 2 | name |
UserData | page | UserData | type | page | Table Excerpt Include |
Beschreibung
Optionaler Parameter zur Rückgabe der Bankkontodaten des Kunden, um eine manuelle Rückerstattung anzulegen: Wert | Bedeutung | true | Wenn der Issuer die Bankkontodaten des Kunden zurückgibt, werden diese als Antwort zurückgegeben.Hierzu ist eine spezielle Instanea-Berechtigung erforderlich, die eingerichtet werden muss.RemittanceInfo | ans..50 | O | The RemittanceInfo parameter
Der Parameter „RemittanceInfo“ wird für Abstimmungszwecke benötigt und stellt wichtige, für den Kunden sichtbare Informationen auf Kundenkontoauszügen bereit, um eine bessere Nachverfolgung und Berichterstattung zu ermöglichen.
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Parameters for online transfers with Instanea
Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Response_IntroURL PageWithExcerpt Reuse API
| 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 |
| MultiExcerptName | instanea_response |
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| dateFormat | dd M yy |
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| 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 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
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Key
Format
CND
Description
Beschreibung
a..50
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 isFirstTimeEnter true static true v 2 name Description page Description type page
Table Excerpt Include isFirstTimeEnter true static true v 2 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!
Table Excerpt Include static true name UserData page UserData type page
Table Excerpt Include static true name MAC page MAC type page
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Return parameters for URLSuccess, URLFailure and URLNotify with Instanea
Instanea with modal-based redirection
To enhance the user experience and ensure compatibility with mobile applications, merchants can use a modal-based redirection flow for Instanea payments. The InstaneaModal.aspx form works seamlessly with a modal overlay that initiates the payment process. This approach keeps the payment journeyintegrated within your website or mobile application, while ensuring compatibility with app-to-app redirection and browser-based flows.Redirection Page Behavior
- The bank selection page (redirection page) is expected to open in a separate window.
- If app-to-app redirection is supported, the redirection will take users directly to their bank’s app without requiring additional user interaction.
Integration Approach
Merchants have two options for using Instaneamodal.aspx:
- Direct Merchant Integration: Merchants can directly integrate Instaneamodal.aspx into their payment flow. By launching the modal from their site or app, the payment process stays seamless for the end user.
- Automatic triggering via Hosted Payment Page (HPP): Merchants using
’s Hosted Payment Page (HPP) can request the automatic triggering of Instaneamodal.aspx. Please contact theMultiexcerpt include SpaceWithExcerpt EN MultiExcerptName Partner-Name PageWithExcerpt Wording
to activate this feature and configure your account settings.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Helpdesk-Name PageWithExcerpt Wording
Calling the Instaneamodal interface
To process a payment with Instanea online transfer with modal-based redirection, please use the following URL:
instaneamodal.aspxMultiexcerpt include SpaceWithExcerpt EN MultiExcerptName BaseURL PageWithExcerpt Wording
Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Request_Intro PageWithExcerpt Reuse API
| default | Beschreibung |
|---|---|
| isFirstTimeEnter | false |
| hideColumns | true |
| sparkName | Sparkline |
| hidePane | true |
| datepattern | dd M yy |
| id | 1741856088624_1929859839 |
| worklog | 365|5|8|y w d h m|y w d h m |
| isOR | AND |
| separator | Point (.) |
| order | 0 |
| MultiExcerptName | instaneamodal_request |
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| dateFormat | dd M yy |
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| export-word | false |
| show-source | false |
| export-csv | false |
| id | 1741856088627_1308750093 |
| transpose | false |
| worklog | 365|5|8|y w d h m|y w d h m |
| separator | . |
| export-pdf | false |
| sql | SELECT * FROM T* |
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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
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Key
Format
CND
Description
Beschreibung
2-letter language code (e.g.. it) that should be preferred when presenting payment pages to the consumer
2-stelliger Sprachcode (z.B. it), der für die Zahlungsseiten für den Kunden bevorzugt werden soll
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-Typ "Sepa" wird verwendet |
| sepaInstant | Instanea-Typ "SepaInstant" wird verwendet Standardwert, falls nicht angegeben |
OrderDesc
ans..768
O
Description of purchased goods, unit prices etc.
Please note: The first 37 characters appear on the customer-account statement (based on your configuration). You can view the full data in
.Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Backoffice-Name PageWithExcerpt Wording
- Recommended characters: A–Z, a–z, 0–9, /, -, ?, :, (, ), ., ,, +
- Important: Some special or accented characters (e.g. äöüÄÖÜ, áéíóú, àèìòù, âêîôû etc.) may lead to transaction rejections by certain banks.
Beschreibung der gekauften Waren, Einzelpreise etc.
Bitte beachten Sie: Die ersten 37 Zeichen erscheinen auf dem Kontoauszug des Kunden (basierend auf Ihrer Konfiguration). In
können Sie die kompletten Daten einsehen.Multiexcerpt include SpaceWithExcerpt DE MultiExcerptName Backoffice-Name PageWithExcerpt DE:Wording
- Empfohlene Zeichen: A–Z, a–z, 0–9, /, -, ?, :, (, ), ., ,, +
- Wichtig: Einige Sonderzeichen oder Akzentzeichen (z.B. äöüÄÖÜ, áéíóú, àèìòù, âêîôû usw.) können bei manchen Banken zur Ablehnung von Transaktionen führen.
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Key
Format
CND
Description
Beschreibung
Optional parameter to return consumers bank account data in order to create a manual refund:
| Value | Meaning |
|---|---|
| true | If issuer returns consumers bank account data they will be returned in response. Therefore a specific Instanea-permission is required which needs to be set up. |
Optionaler Parameter zur Rückgabe der Bankkontodaten des Kunden, um eine manuelle Rückerstattung anzulegen:
Parameters for online transfers with Instanea
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The RemittanceInfo parameter is required for reconciliation purposes, providing essential customer-visible information on customer bank statements for better tracking and reporting.
- Allowed characters: A..Za..z0..9 / - ? : ( ) . , +
- Diactrics like äöüÄÖÜ, áéíóú, àèìòù, âêîôû, ... are not allowed
Der Parameter „RemittanceInfo“ wird für Abstimmungszwecke benötigt und stellt wichtige, für den Kunden sichtbare Informationen auf Kundenkontoauszügen bereit, um eine bessere Nachverfolgung und Berichterstattung zu ermöglichen.
- Erlaubte Zeichen: A..Za..z0..9 / - ? : ( ) . , +
- Umlaute wie äöüÄÖÜ, áéíóú, àèìòù, âêîôû, ... sind nicht zulässig
Parameters for online transfers with Instanea with modal-based redirection
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OK (URLSuccess) oder FAILED (URLFailure) AUTHORIZE_REQUEST (URLSuccess), Description=PENDING: es dauert bis zu einer Stunde bis zum finalen Status
Die Referenznummer ist obligatorisch und muss für jede Zahlung eindeutig sein. Erlaubte Zeichen sind: A..Za..z. Ziffern sind nicht erlaubt! |
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Return parameters for URLSuccess, URLFailure and URLNotify with Instanea with modal-based redirection