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

Info
Instanea is available with BNP, only.

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Excerpt

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.

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 Instanea payment request and receives URL to Instanea Merchant redirects customer to Instanea URL Customer enters bank account data (IBAN) and his name (account holder name) and confirms payment Merchant's shop gets a notification about successful payment
full or partial Credit	Merchant wants to credit some money back to customer after a payment has been successfully completed	not supported
full or partial Reversal	Merchant wants to cancel a payment which has not been completed	not supported

Process flow charts

Standard Instanea process

Multiexcerpt

MultiExcerptName	ProcessFlow

draw.io Diagram

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

Instanea process flow

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Definition
PageWithExcerpt	Definition EN

Calling the Instanea interface

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

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	BaseURL
PageWithExcerpt	Wording

instanea.aspx

Multiexcerpt include

SpaceWithExcerpt	EN
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	instanea_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

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

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
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

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

Table Excerpt Include

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

Table Excerpt Include

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

Key	Format	CND	Description

Beschreibung


Language	a2	O	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

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:

WertBedeutungsepaInstanea-Typ "Sepa" wird verwendetsepaInstant

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

Multiexcerpt include

SpaceWithExcerpt	DE
MultiExcerptName	Backoffice-Name
PageWithExcerpt	DE:Wording

können Sie die kompletten Daten einsehen.

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.

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

isFirstTimeEnter	true
static	true
v	2
name	ReqId-ans..32
page	ReqId
type	page

Table Excerpt Include

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

Table Excerpt Include

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

Key	Format	CND	Description

Beschreibung

ReturnRefundAccount

a4

O

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:

WertBedeutungtrueWenn 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 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

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Response_IntroURL
PageWithExcerpt	Reuse API

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	instanea_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

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

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

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!

Die Referenznummer ist obligatorisch und muss für jede Zahlung eindeutig sein. Erlaubte Zeichen sind: A..Za..z. Ziffern sind nicht erlaubt!

TransactionID

ans..64

M

Unique transaction id returned by

Instanea (transfer-id).Eindeutige Transaktions-ID von

Instanea (transfer-id).

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 Instanea

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About Instanea

General information about Instanea

Use cases

Process flow charts

Standard Instanea process

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interface

Calling the Instanea interface

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Old Version 603

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Key

About Instanea

General information about Instanea

Use cases

Process flow charts

Standard Instanea process

Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePlatform-KurzPageWithExcerptWording interface

Calling the Instanea interface

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface