Payment configuration
All the requirements to initiate a payment, plus a guide to some of the options you have within payments requests.
Configuration options in your request
After authenticating a payment with an access token, you can initiate a payment with an API call to the /v3/payments endpoint.
When the user pays with open banking at checkout, they provide their credentials to their bank and pay over a payment scheme. To enable this to happen, you need to set up provider and payment scheme options in the payment request so your user can select a bank and payment scheme.
It's also important that you include appropriate user information in your request. The required information varies based on payment type.
Select which banking providers your user can choose to pay with at checkout.
You can also preselect a provider for your user. This enables you to significantly improve the returning user journey. Learn more about how to optimise the experience for returning users.
Select which payment scheme the payment will be made through, or enable your user to select the scheme they prefer.
Pay-in and mandate requests require you to include some remitter details for security reasons. Alongside a UUID for that user, a payment request must include:
- Remitter name
If you are not regulated as a PISP, you must also include:
- Remitter email OR remitter phone number
If the payment is going into a merchant account, and you are not regulated as a PISP, you must also include:
- Remitter date of birth
- Remitter living address
Other configuration details
There are several other things you need to consider in your integration.
Sandbox testing
Our sandbox environment enables you to test different payment authorisation flows for single payments . We also have a sandbox provider you can use to preview the VRP mandate authorisation flow.
When you receive payments from unexpected external sources, it can expose your organisation to unnecessary risk. It can also be complex to refund payments that have been returned by a bank (for example, when a user's bank account has closed after you send a payment).
Additionally, ensuring that payments are sent as a closed-loop pay-in ensures that they work better with your integration.
You can enable automatic refunds for your merchant account to ensure that payments from an external source are automatically refunded.
Different banks and countries support different characters and also numbers of characters for different fields. Learn more about restricted characters and limits to ensure your integration works across all banks.
Updated 23 days ago