(warning) (warning) (warning) available to BNP / Axepta merchants only (warning) (warning) (warning)

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. 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

Logo

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 chart

Instanea process flow


interface


Calling the Instanea interface

To process a payment with online transfer with Instanea, call up 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 des Zahlungsvorganges. Sie muss eindeutig und einmalig sein und darf nur aus folgenden Zeichen bestehen: A..Za..z0..9

Key

Format

CND

Description

Beschreibung

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 type "sepa
sepaInstant

Instanea type "sepaInstant" (default)

OrderDesc

ans..768

O

Description of purchased goods, unit prices etc.

Please note: The first 27 characters appear on the customer-account statement. You can view the full data in .

Beschreibung der gekauften Waren, Einzelpreise etc.

Bitte beachten Sie: Die ersten 27 Zeichen erscheinen auf dem Kontoauszug des Kunden. In  können Sie die kompletten Daten einsehen.

Parameters for online transfers with Instanea


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

Return parameters for URLSuccess, URLFailure and URLNotify with Instanea