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. S/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. S/He log in to its online banking
4. S/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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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.
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
Amount in the smallest currency unit (e.g. EUR Cent). Please contact the Computop Helpdesk, if you want to capture amounts <100 (smallest currency unit).
Complete URL which calls up Paygate if payment has been successful. The URL may be called up only via port 443. This URL may not contain parameters: In order to exchange values between Paygate and shop, please use the parameter UserData.
Common notes:
We recommend to use parameter "response=encrypt" to get an encrypted response by Paygate
However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.
Complete URL which calls up Paygate if payment has been unsuccessful. The URL may be called up only via port 443. This URL may not contain parameters: In order to exchange values between Paygate and shop, please use the parameter UserData.
Common notes:
We recommend to use parameter "response=encrypt" to get an encrypted response by Paygate
However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.
Complete URL which Paygatecalls up in order to notify the shop about the payment result. The URL may be called up only via port 443. It may not contain parameters: Use the UserData parameter instead.
Common notes:
Before follow-up actions (capture / credit / reversal) are carried out on an existing transaction, the first Notify must have been answered by the shop.
Fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.
To avoid double payments or actions (e.g. by ETM), enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction or action is submitted again with the same ReqID, Computop Paygate will not carry out the payment or new action, but will just return the status of the original transaction or action.
Please note that the Computop Paygate must have a finalized transaction status for the first initial action (authentication/authorisation). This does not apply to 3-D Secure authentications that are terminated by a timeout. The 3-D Secure Timeout status does not count as a completed status in which the ReqID functionality on Paygate does not take effect. Submissions with identical ReqID for an open status will be processed regularly.
Notice: Please note that a ReqID is only valid for 12 month, then it gets deleted at the Paygate.
"Custom"-parameter is added to the request data before encryption and is part of encrypted "Data" in Computop Paygate request. By this they are protected against manipulation by a consumer.
The Custom-value is added to the Computop Paygate response in plain text and the "|" is replaced by a "&". By this you can put a single value into Custom-parameter and get multiple key-value-pairs back in response for your own purpose.
Parameters for online transfers with Instanea
The following table gives the result parameters which Computop Paygate transmits to URLSuccess or URLFailure and URLNotify. If you have specified the Response=encrypt parameter, the following parameters are sent Blowfish encrypted to your system:
pls. be prepared to receive additional parameters at any time and do not check the order of parameters
the key (e.g. mid, RefNr) should not be checked case-sentive
Error code according to Paygate Response Codes (A4 Error codes)
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 des Zahlungsvorganges. Sie muss eindeutig und einmalig sein und darf nur aus folgenden Zeichen bestehen: A..Za..z. Ziffern sind nicht erlaubt!
TransactionID
ans..64
M
Unique transaction id returned by Instanea (transfer-id).
Eindeutige TransaktionsId von Instanea (transfer-id).
"Custom"-parameter is added to the request data before encryption and is part of encrypted "Data" in Computop Paygate request. By this they are protected against manipulation by a consumer.
The Custom-value is added to the Computop Paygate response in plain text and the "|" is replaced by a "&". By this you can put a single value into Custom-parameter and get multiple key-value-pairs back in response for your own purpose.
Return parameters for URLSuccess, URLFailure and URLNotify with Instanea
pls. be prepared to receive additional parameters at any time and do not check the order of parameters