Account-to-Account Payments
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Account-to-Account Payments (bank transfer) is a new Worldline payment method. Transactions can be processed via the Saferpay JSON API. However, as also third party provider MSP and banks are involved in the process, there are a few things to consider.
The handling of Account-to-Account Payments with Saferpay requires:
A corresponding license and thus a valid identification with a username and password for the Saferpay system.
At least one active Saferpay terminal on which the payment can be carried out. This could be a Saferpay Payment Page or a Saferpay Secure PayGate terminal.
A valid Account-To-Account acquiring contract
The general integration of Account-to-Account Payments can only be done via the and requires the following things to be noted:
As banks do not allow Iframe integration, Saferpay will break out of the Iframe, so the payment may be performed, using a full-size payment page.
JSON API integration is only possible with the API version 1.38 or higher.
Refund:
A refund cannot be cancelled, so make sure that you really want to execute it. The refund amount may be less than or equal to the original payment amount. Depending on the bank, it may take several days for the refund to be processed and paid out.
Note that the CaptureId, needed for a refund, is returned as part of the response of .
Parameter PaymentMethodsOptions.A2A.AccountHolderName: The account holder name will be used if not already present in the authorization. If no account holder name is present in the authorization and none provided in the refund request, the refund cannot be processed.
The parameters OrderId
and PayerNote
are limited to 50 characters.
The notification URLs, inside theNotification
container are mandatory, in order to avoid missing payment successes and also to . See the for further information.
At checkout, the payment method could be described as follows: "Pay straight from your bank account through your online banking. It's simple, secure and certified by European regulatory authorities."
Feature
Support
❌/❌
Multipart Captures
❌
Secure Card Data
❌
✅
Recurring Payments
❌
3D Secure
❌
Dynamic Currency Conversion (DCC)
❌
Mail Phone Order
❌
✅
Secure PayGate
✅
This status means, that the final transaction status could not be determined in due time. This is due to some banks needing additional processing time, which can be up to 120 hours.
If a PENDING
status is recieved, the merchant should display a message to the payer, telling them, that the payment is still in progress at their bank and that they'll be notified about the outcome, once it is received.
Once the outcome is processed, the merchant should notify their customer about the outcome, be it positive, or negative.
Saferpay offers an option, to enable "Instant Payments" for the merchant account, cutting down on the PENDING
transactions and also the waiting time, should a PENDING
status still occour.
This option is optional and has to be activated on the merchant account, if desired.
Some banks do not support instant payments. Activating this option on your account, will lead to some banks not being displayed for the payer and thusly will prevent some customers from being able to pay via Account-to-Account Payments.
Capture/
Account-to-Account Payments introduces a new status, that can be returned with the , being PENDING
.
The merchant system will be notified via , that have been defined with the . If the notification is received, the merchant system should execute the , in order to ask for the transaction outcome.
PENDING
transactions are handled within , to give you an overview of payments, that are still in progress.
Please refer to , if you want to test Account-to-Account Payments.