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
full or partial Credit	Merchant wants to credit some money back to customer after a payment has been successfully completed	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

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draw.io Diagram

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Instant Payment process flow

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.

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draw.io Diagram

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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.

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draw.io Diagram

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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.

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draw.io Diagram

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Instant Payment process flow

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interface

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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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OpenBanking.aspx

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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

PayType

a..11

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	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..35

O

Description of purchased goods, unit prices etc.

That value is shown to the consumer in the OpenBanking 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.

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static	true
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static	true
name	URLFailure
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static	true
name	Response
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static	true
name	URLNotify
page	URLNotify
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static	true
name	ReqId-ans..32
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static	true
name	Plain
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Parameters for online transfers with Instant Payment

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

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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:

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OpenBanking.aspx

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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

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

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name	Response
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type	page

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static	true
name	URLNotify
page	URLNotify
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

Parameters for online transfers with Instant Payment

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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 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.

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Return parameters for URLSuccess, URLFailure and URLNotify with Instant Payment

Credit with reference

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

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

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. 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:

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credit.aspx

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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 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

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Result parameters for credits of Instant payments via Tink

Setup with OpenBanking-provider Tink

As

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

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.

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

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– 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 (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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English

Deutsch

Description

Beschreibung

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 → Konfiguration → CSS
Empfänger ist von Token.io-Dashboard → Konfiguration → Anzeigename

Dynamisch / von API-Anfrage:

Einmalzahlung wird vom API-Betrag übernommen (z.B. amount=123)
Ende-zu-Ende Referenz wird von der API-RefNr genommen
Verwendungszweck stammt aus API-OrderDesc

Verbraucher:

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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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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Anchor
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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MultiExcerptName Partner-Name
PageWithExcerpt Wording
Instant Payment

General information about
Multiexcerpt include
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MultiExcerptName Partner-Name
PageWithExcerpt Wording
Instant Payment

Use cases

Process flow chart via Token.io

Process flow charts via Tink

Usecase 1

Usecase 2

Usecase 3

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MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface

Calling the Instant Banking interface via Token.io

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

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Help

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Versions Compared

Old Version 211

New Version 212

Key

About Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePartner-NamePageWithExcerptWording Instant Payment

General information about Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePartner-NamePageWithExcerptWording Instant Payment

Use cases

Process flow chart via Token.io

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 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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SpaceWithExcerpt EN
MultiExcerptName Partner-Name
PageWithExcerpt Wording
Instant Payment

General information about
Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Partner-Name
PageWithExcerpt Wording
Instant Payment

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface

Anchor
key
key
Settings → Authentication Keys

Anchor
member
member
Settings → Member Information

Anchor
beneficiary
beneficiary
Settings → Beneficiary