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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Info

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.

TypePayments 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

  • 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

(tick)

(tick)

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 charts

Standard Instanea process


Instanea process flow


interface


Calling the Instanea interface

To process a payment with online transfer with Instanea, please use the following URL:

instanea.aspx


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

Key

Format

CND

Description

Beschreibung

Languagea2O

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

PayTypea..11O

Defines type of Instanea payment:

ValueMeaning
sepaInstanea type "Sepa" is used
sepaInstant

Instanea type "SepaInstant" is used

default, if not specified

Definiert die Art der Instanea-Zahlung:

WertBedeutung
sepaInstanea-Typ "Sepa" wird verwendet
sepaInstant

Instanea-Typ "SepaInstant" wird verwendet

Standardwert, falls nicht angegeben

OrderDesc

ans..768

O

Description of purchased goods, unit prices etc.

Please note: The first 37 characters appear on the customer-account statement (based on your configuration). You can view the full data in .

  • Recommended characters: A–Z, a–z, 0–9, /, -, ?, :, (, ), ., ,, +
  • Important: Some special or accented characters (e.g. äöüÄÖÜ, áéíóú, àèìòù, âêîôû etc.) may lead to transaction rejections by certain banks.

Beschreibung der gekauften Waren, Einzelpreise etc.

Bitte beachten Sie: Die ersten 37 Zeichen erscheinen auf dem Kontoauszug des Kunden (basierend auf Ihrer Konfiguration). In  können Sie die kompletten Daten einsehen.

  • Empfohlene Zeichen: A–Z, a–z, 0–9, /, -, ?, :, (, ), ., ,, +
  • Wichtig: Einige Sonderzeichen oder Akzentzeichen (z.B. äöüÄÖÜ, áéíóú, àèìòù, âêîôû usw.) können bei manchen Banken zur Ablehnung von Transaktionen führen.

Key

Format

CND

Description

Beschreibung

ReturnRefundAccounta4O

Optional parameter to return consumers bank account data in order to create a manual refund:

ValueMeaning
trueIf 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:

WertBedeutung
trueWenn der Issuer die Bankkontodaten des Kunden zurückgibt, werden diese als Antwort zurückgegeben. Hierzu ist eine spezielle Instanea-Berechtigung erforderlich, die eingerichtet werden muss.
RemittanceInfoans..50O

The RemittanceInfo parameter is required for reconciliation purposes, providing essential customer-visible information on customer bank statements for better tracking and reporting.

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

Der Parameter „RemittanceInfo“ wird für Abstimmungszwecke benötigt und stellt wichtige, für den Kunden sichtbare Informationen auf Kundenkontoauszügen bereit, um eine bessere Nachverfolgung und Berichterstattung zu ermöglichen.

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

Parameters for online transfers with Instanea


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

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!
TransactionIDans..64MUnique transaction id returned by Instanea (transfer-id).Eindeutige Transaktions-ID von Instanea (transfer-id).

Return parameters for URLSuccess, URLFailure and URLNotify with Instanea