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 chart

Multiexcerpt

MultiExcerptName	ProcessFlow

draw.io Diagram

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

Instanea process flow

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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_REST
page	MerchantID
type	page

Table Excerpt Include

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

Key	REST	Format	CND	Description	Beschreibung
RefNr	"referenceNumber": "..."	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_REST
page	Amount
type	page

Table Excerpt Include

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

Table Excerpt Include

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

Key

REST

Format

CND

Description

Beschreibung

Language

"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

"payment": {"instanea": {"paymentType": "Sepa" }}

"payment": {"instanea": {"paymentType": "SepaInstant" }}

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-Typ "Sepa" wird verwendet

sepaInstant

Instanea-Typ "SepaInstant" wird verwendet

Standardwert, falls nicht angegeben

OrderDesc

"order": {"description": "..."}

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

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Backoffice-Name
PageWithExcerpt	Wording

.

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

Beschreibung der gekauften Waren, Einzelpreise etc.

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

Multiexcerpt include

SpaceWithExcerpt	DE
MultiExcerptName	Backoffice-Name
PageWithExcerpt	DE:Wording

können Sie die kompletten Daten einsehen.

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

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

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

Table Excerpt Include

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

Key

REST

Format

CND

Description

Beschreibung

ReturnRefundAccount

"payment": {"instanea": {"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:

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.

Parameters for online transfers with Instanea

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	RestResponse_IntroURL
PageWithExcerpt	Reuse API

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	KvpResponse_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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Old Version 397

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Key

About Instanea

General information about Instanea

Use cases

Process flow chart

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface

Calling the Instanea interface

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Versions Compared

Old Version 397

New Version 398

Key

About Instanea

General information about Instanea

Use cases

Process flow chart

Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePlatform-KurzPageWithExcerptWording interface

Calling the Instanea interface

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface