About
Multiexcerpt include
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	Partner-Name
PageWithExcerpt	Wording

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.

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 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	coming soon
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	InstantPayment Sale
simpleViewer	false
links	auto
tbstyle	top
lbox	true
diagramWidth	1109

Instant Payment process flow

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Definition
PageWithExcerpt	Definition EN

Calling the Instant Banking interface

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

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	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

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	Amount
page	Amount
type	page

Table Excerpt Include

static	true
name	Currency_EURGBP
page	Currency
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

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

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	Wording

, 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

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Helpdesk-Name
PageWithExcerpt	Wording

.

Wenn Sie beim Open Banking Operator mehrere Bankverbindungen konfiguriert und in

Multiexcerpt include

SpaceWithExcerpt	DE
MultiExcerptName	Platform-Name
PageWithExcerpt	DE:Wording

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

Multiexcerpt include

SpaceWithExcerpt	DE
MultiExcerptName	Helpdesk-Name
PageWithExcerpt	DE:Wording

abzustimmen.

OrderDesc

ans..768

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

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

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	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

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 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

Setup with OpenBanking-provider Token.io

As

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Partner-Name
PageWithExcerpt	Wording

does not have access to your Token.io 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 Token.io-Dashboard after signing the contract.

Please login into your Token.io dashboard (https://dashboard.token.io/) and send the information to

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	Wording

– 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

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	Wording

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	1685014852448_-228874398
updateSelectOptions	false
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
order	0

Multiexcerpt

MultiExcerptName	TokenSetup

Customization and Testing with OpenBanking-provider Token.io

How a payment looks like

Multiexcerpt

MultiExcerptName	samplePayment

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	1685444730643_1438657823
updateSelectOptions	false
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
order	0

Multiexcerpt

MultiExcerptName	ParameterMapping

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"):

Multiexcerpt

MultiExcerptName	TokenGeneral

Webhook

Webhook must be set to technical

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	Wording

URL:

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	BaseURL
PageWithExcerpt	Wording

/OpenBankingComplete.aspx

Multiexcerpt

MultiExcerptName	TokenWebhook

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):

Multiexcerpt

MultiExcerptName	TokenCss

After you've uploaded your merchant logo and customized your CSS styles the new WebApp-layout can be tested via Payload Builder:

Multiexcerpt

MultiExcerptName	PayloadBuilder

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)

Multiexcerpt

MultiExcerptName	Payload

A new tab/window will open with new design:

Multiexcerpt

MultiExcerptName	PaymentConfirmation

Anchor
key
key
Settings → Authentication Keys

Please generate an API Key for your configuration and send it to

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Helpdesk-Name
PageWithExcerpt	Wording

:

Multiexcerpt

MultiExcerptName	TokenKey

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

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	Wording

:

Multiexcerpt

MultiExcerptName	TokenKey2

Anchor
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:

Multiexcerpt

MultiExcerptName	TokenBeneficiary

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.

Space shortcuts

Page tree

Versions Compared

Old Version 28

New Version 29

Key

About
Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Partner-Name
PageWithExcerpt Wording
Instant Payment

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

Use cases

Process flow chart

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface

Calling the Instant Banking interface

Setup with OpenBanking-provider Token.io

My Token.io setup

Customization and Testing with OpenBanking-provider Token.io

How a payment looks like