The Create Local Bank Transfer (LBT) Transaction request obtains account details for a transaction. The shopper must complete the transaction. Their account is not immediately debited. For more information on Local Bank Transfer, refer to the Local Bank Transfer guide.

📘
Short payments
If the amount received from the shopper is less than the order total, this is considered a short payment. If a short payment requires your approval, send a Merchant Approve Transaction request with the transaction ID.

Request Content

Send an altTransaction object, with the following:

Property	Type	Required
`amount`	decimal	required
`currency`	string	required
`localBankTransferTransaction`	object	required (see localBankTransferTransaction)
`merchantTransactionId`	string	optional
`payerInfo`	object	required if `vaultedShopperId` is not sent (see payerInfo)
`productDescription`	string	optional
`softDescriptor`	string	optional
`taxReference`	string	optional
`transactionMetaData`	object	optional (see transactionMetaData)
`vaultedShopperId`	integer	required if `payerInfo` is not sent
`vendorsInfo`	object	required if using marketplace vendor(s) (see vendorsInfo)

Response Details

If successful, the response HTTP status code is 200 OK.
The response contains the request properties plus these additions:

Property	Notes
`localBankTransferTransaction`	(see localBankTransferTransaction)
`processingInfo`	(see processingInfo)
`vaultedShopperId`

Examples

Request Examples

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "amount": 70,
  "payerInfo": {
    "firstName": "John",
    "lastName": "Doe",
    "country": "us"
  },
  "currency": "USD",
  "localBankTransferTransaction": {}
}'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "amount": 42,
  "payerInfo": {
    "firstName": "John",
    "lastName": "Doe",
    "country": "us"
  },
  "currency": "USD",
  "localBankTransferTransaction": {},
  "softDescriptor": "ABCD COMPANY",
  "merchantTransactionId": "pk-lbt-020320-1",
  "transactionMetaData": {
    "metaData": [
      {
        "metaValue": "v1",
        "metaKey": "k1",
        "metaDescription": "test metadata"
      }
    ]
  }
}'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "amount": 70,
  "currency": "USD",
  "payerInfo": {
    "firstName": "Jane",
    "lastName": "Smith",
    "country": "us"
  },
  "localBankTransferTransaction": {},
  "vendorsInfo": {
    "vendorInfo": [{ "vendorId": "10398032" }]
  }
}'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \ 
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
{
  "amount": 75.60,
  "payerInfo": {
    "firstName": "John",
    "lastName": "Doe",
    "country": "us"
  },
  "currency": "USD",
  "taxReference": "048deff0-a285-47e1-bc39-42f79bf0095b",
  "localBankTransferTransaction": {}
}'

Response Examples

{
    "amount": 70,
    "currency": "USD",
    "payerInfo": {
        "firstName": "John",
        "lastName": "Doe",
        "country": "us"
    },
    "vaultedShopperId": 19582494,
    "localBankTransferTransaction": {
        "localBankTransferInfo": {
            "swiftCode": "RABOUS66XXX",
            "paymentReference": "410000782129",
            "accountHolder": "Global Collect BV",
            "bankCode": "ABA|122238420||Address|WESTLAKE VILLAGE, 2663 TOWNSGATE RD",
            "bankName": "Rabobank N.A.",
            "countryDescription": "United States",
            "bankCity": "Ontario USA",
            "bankAccountNumber": "0487369908"
        },
        "orderId": 4000835
    },
    "processingInfo": {
        "processingStatus": "PENDING",
        "transactionRegion": "US"
    }
}

{
    "merchantTransactionId": "pk-lbt-020320-1",
    "softDescriptor": "ABCD COMPANY",
    "amount": 42,
    "currency": "USD",
    "payerInfo": {
        "firstName": "John",
        "lastName": "Doe",
        "country": "us"
    },
    "vaultedShopperId": 19582592,
    "transactionMetaData": {
        "metaData": [
            {
                "metaKey": "k1",
                "metaValue": "v1",
                "metaDescription": "test metadata"
            }
        ]
    },
    "localBankTransferTransaction": {
        "localBankTransferInfo": {
            "swiftCode": "RABOUS66XXX",
            "paymentReference": "410000784219",
            "accountHolder": "Global Collect BV",
            "bankCode": "ABA|122238420||Address|WESTLAKE VILLAGE, 2663 TOWNSGATE RD",
            "bankName": "Rabobank N.A.",
            "countryDescription": "United States",
            "bankCity": "Ontario USA",
            "bankAccountNumber": "0487369908"
        },
        "orderId": 4000989
    },
    "processingInfo": {
        "processingStatus": "PENDING"
    }
}

{
  "vendorsInfo": {
    "vendorInfo": [
      {
        "vendorId": 10398032,
        "commissionPercent": 90.2
      }
    ]
  },
  "amount": 70,
  "currency": "USD",
  "payerInfo": {
    "firstName": "Jane",
    "lastName": "Smith",
    "country": "us"
  },
  "vaultedShopperId": 27670635,
  "localBankTransferTransaction": {
    "localBankTransferInfo": {
      "swiftCode": "RABOUS66XXX",
      "paymentReference": "410000932239",
      "accountHolder": "Global Collect BV",
      "bankCode": "ABA|122238420||Address|WESTLAKE VILLAGE, 2663 TOWNSGATE RD",
      "bankName": "Rabobank N.A.",
      "countryDescription": "United States",
      "bankCity": "Ontario USA",
      "bankAccountNumber": "0487369908"
    },
    "orderId": 17649597
  },
  "processingInfo": {
    "processingStatus": "PENDING"
  }
}

{
    "amount": 75.60,
    "currency": "USD",
    "taxReference": "048deff0-a285-47e1-bc39-42f79bf0095b",
    "payerInfo": {
        "firstName": "John",
        "lastName": "Doe",
        "country": "us"
    },
    "vaultedShopperId": 19582494,
    "localBankTransferTransaction": {
        "localBankTransferInfo": {
            "swiftCode": "RABOUS66XXX",
            "paymentReference": "410000782129",
            "accountHolder": "Global Collect BV",
            "bankCode": "ABA|122238420||Address|WESTLAKE VILLAGE, 2663 TOWNSGATE RD",
            "bankName": "Rabobank N.A.",
            "countryDescription": "United States",
            "bankCity": "Ontario USA",
            "bankAccountNumber": "0487369908"
        },
        "orderId": 4000835
    },
    "processingInfo": {
        "processingStatus": "PENDING"
    }
}

📘
Order ID and status
Until the shopper completes the order, the processing status stays as PENDING and there is no transaction ID. You must use the orderId for the transaction.

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