About Computop Instant Payment
General information about Computop Instant Payment
Computop 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 |
| 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 |
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 |
| ||
Sale (one-shot) | Merchant wants to collect money from customer via OpenBanking |
|
| coming soon |
full or partial Credit | Merchant wants to credit some money back to customer after a payment has been successfully completed |
| coming soon | |
full or partial Reversal | Merchant wants to cancel a payment which has not been completed |
| ||
Process flow chart
Paygate interface
Format Description a alphabetical as alphabetical with special characters n numeric an alphanumeric ans alphanumeric with special characters ns numeric with special characters bool boolean expression (true or false) 3 fixed length with 3 digits/characters ..3 variable length with maximum 3 digits/characters enum enumeration of allowed values dttm ISODateTime (YYYY-MM-DDThh:mm:ss) Abbreviation Description CND condition M mandatory O optional C conditional Notice: Please note that the names of parameters can be returned in upper or lower case.Definitions
Data formats
Abbreviations
Comment If a parameter is mandatory, then it must be present If a parameter is optional, then it can be present, but it is not required If a parameter is conditional, then there is a conditional rule which specifies whether it is mandatory or optional
Calling the Instant Banking interface
To process a payment with online transfer with Instant Payment, please use the following URL:
https://www.computop-paygate.com/OpenBanking.aspx |
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter. The following table describes the encrypted payment request parameters:
Parameters for online transfers with Instant Payment
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. MerchantId, RefNr) should not be checked case-sentive
Return parameters for URLSuccess, URLFailure and URLNotify with Instant Payment
Setup with OpenBanking-provider Token.io
As Computop does not have access to your Token.io setup you need to send us the information required for setup in Computop Paygate.
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 Computop Paygate – 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 Computop Paygate could look like:
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
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"):
Webhook
Webhook must be set to technical Computop Paygate URL: https://www.computop-paygate.com//OpenBankingComplete.aspx
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):
After you've uploaded your merchant logo and customized your CSS styles the new WebApp-layout can be tested via Payload Builder:
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)
A new tab/window will open with new design:
Settings → Authentication Keys
Please generate an API Key for your configuration and send it to Computop Helpdesk:
We also need your MemberID and other information which is shown in next section.
Settings → Member Information
The information shown here is also needed for setup in Computop Paygate:
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:
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.