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

Instanea is available with BNP, only.

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.
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	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
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

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Instanea process flow

Instanea with modal-based redirection

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Instanea process flow with modal-based redirection

Paygate interface

Definitions

Data formats

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)

Abbreviations

Abbreviation	Description	Comment
CND	condition
M	mandatory	If a parameter is mandatory, then it must be present
O	optional	If a parameter is optional, then it can be present, but it is not required
C	conditional	If a parameter is conditional, then there is a conditional rule which specifies whether it is mandatory or optional

Notice: Please note that the names of parameters can be returned in upper or lower case.

Calling the Instanea interface

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

https://www.computop-paygate.com/instanea.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:

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No Table Excerpt macro with name MerchantID_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name TransID_REST found. Did you publish the page with the Table Excerpt macro?

Key	REST	Format	CND	Description	Beschreibung
RefNr	"referenceNumber": "..."	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

No Table Excerpt macro with name Amount_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name Currency_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name MAC_REST found. Did you publish the page with the Table Excerpt macro?

Key

REST

Format

CND

Description

Beschreibung

Language

"language": "..."

a2

O

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

PayType

"payment": {"instanea": {"paymentType": "Sepa" }}

"payment": {"instanea": {"paymentType": "SepaInstant" }}

a..11

O

Defines type of Instanea payment:

Value

Meaning

sepa

Instanea type "Sepa" is used

sepaInstant

Instanea type "SepaInstant" is used

default, if not specified

Definiert die Art der Instanea-Zahlung:

Wert

Bedeutung

sepa

Instanea-Typ "Sepa" wird verwendet

sepaInstant

Instanea-Typ "SepaInstant" wird verwendet

Standardwert, falls nicht angegeben

OrderDesc

"order": {"description": "..."}

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 Computop Analytics.

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

Beschreibung der gekauften Waren, Einzelpreise etc.

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

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

No Table Excerpt macro with name UserData_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name URLSuccess_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name URLFailure_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name Response_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name URLNotify_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name ReqId-ans..32_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name Plain_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name Custom_REST found. Did you publish the page with the Table Excerpt macro?

Key

REST

Format

CND

Description

Beschreibung

ReturnRefundAccount

"payment": {"instanea": {"returnRefundAccount": "..." }}

a4

O

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

Value	Meaning
true	If 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:

Wert	Bedeutung
true	Wenn der Issuer die Bankkontodaten des Kunden zurückgibt, werden diese als Antwort zurückgegeben. Hierzu ist eine spezielle Instanea-Berechtigung erforderlich, die eingerichtet werden muss.

RemittanceInfo

"remittanceInfo": "..."

ans..50

O

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

In case of using REST API

In case of using REST API you will always receive a link where the merchant has to redirect the consumer to complete the payment.

REST	Format	CND	Description
"paymentId": "..."	an32	M	May be "00000000000000000000000000000000" if not yet set by Computop Paygate
"_Links.self.type": "..."	an..20	M	"application/json"
"_Links.redirect.href": "..."	an..1024	M	Merchant needs to redirect consumer to this URL to complete payment
"_Links.redirect.type": "..."	an..20	M	"text/html"

Merchant can use inquire.aspx

In case of using Key-Value-Pair API

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

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Key	Format	CND	Description
mid	ans..30	M	MerchantID, assigned by Computop

Key	Format	CND	Description
PayID	an32	M	ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

Key	Format	CND	Description
XID	an32	M	ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

Key	Format	CND	Description
TransID	ans..64	M	TransactionID provided by you which should be unique for each payment

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
Description	ans..1024	M	Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

Key	Format	CND	Description
Code	an8	M	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 ist obligatorisch und muss für jede Zahlung eindeutig sein. Erlaubte Zeichen sind: A..Za..z. Ziffern sind nicht erlaubt!
TransactionID	ans..64	M	Unique transaction id returned by Instanea (transfer-id).	Eindeutige Transaktions-ID von Instanea (transfer-id).

Key	Format	CND	Description
UserData	ans..1024	O	If specified at request, Paygate forwards the parameter with the payment result to the shop.

Key	Format	CND	Description
MAC	an64	M	Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here: HMAC Authentication (Request) HMAC Authentication (Notify)

Key	Format	CND	Description
Plain	ans..50	O	A single value to be set by the merchant to return some information unencrypted in response/notify, e.g. the MID. "Plain"-parameter is part of encrypted "Data" in Computop Paygate and therefore protected against manipulation.

Key	Format	CND	Description
Custom	ans..1024	O	"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

Instanea with modal-based redirection

To enhance the user experience and ensure compatibility with mobile applications, merchants can use a modal-based redirection flow for Instanea payments. The InstaneaModal.aspx form works seamlessly with a modal overlay that initiates the payment process. This approach keeps the payment journey integrated within your website or mobile application, while ensuring compatibility with app-to-app redirection and browser-based flows.

Redirection Page Behavior

The bank selection page (redirection page) is expected to open in a separate window.
If app-to-app redirection is supported, the redirection will take users directly to their bank’s app without requiring additional user interaction.

Integration Approach

Merchants have two options for using Instaneamodal.aspx:

Direct Merchant Integration: Merchants can directly integrate Instaneamodal.aspx into their payment flow. By launching the modal from their site or app, the payment process stays seamless for the end user.
Automatic triggering via Hosted Payment Page (HPP): Merchants using Computop’s Hosted Payment Page (HPP) can request the automatic triggering of Instaneamodal.aspx. Please contact the Computop Helpdesk to activate this feature and configure your account settings.

Calling the Instaneamodal interface

To process a payment with Instanea online transfer with modal-based redirection, please use the following URL:

https://www.computop-paygate.com/instaneamodal.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:

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No Table Excerpt macro with name MerchantID_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name TransID_REST found. Did you publish the page with the Table Excerpt macro?

Key	REST	Format	CND	Description	Beschreibung
RefNr	"referenceNumber": "..."	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

No Table Excerpt macro with name Amount_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name Currency_REST found. Did you publish the page with the Table Excerpt macro?

No Table Excerpt macro with name MAC_REST found. Did you publish the page with the Table Excerpt macro?

Key

REST

Format

CND

Description

Beschreibung

Language

"language": "..."

a2

O

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

PayType

"payment": {"instanea": {"paymentType": "Sepa" }}

"payment": {"instanea": {"paymentType": "SepaInstant" }}

a..11

O

Defines type of Instanea payment:

Value

Meaning

sepa

Instanea type "Sepa" is used

sepaInstant

Instanea type "SepaInstant" is used

default, if not specified

Definiert die Art der Instanea-Zahlung:

Wert

Bedeutung

sepa

Instanea-Typ "Sepa" wird verwendet

sepaInstant

Instanea-Typ "SepaInstant" wird verwendet

Standardwert, falls nicht angegeben

OrderDesc

"order": {"description": "..."}

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 Computop Analytics.

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

Beschreibung der gekauften Waren, Einzelpreise etc.

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

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