Pay by Bank is a payment method available in Europe that lets your shopper transfer funds from their bank account directly to your merchant account. BlueSnap leverages open banking API standards and Payment Service Directive 2 (PSD2) regulations so you can initiate payments with Pay by Bank.

This payment method is facilitated by mobile banking applications and online banking platforms. When your shopper chooses Pay by Bank at checkout, they are redirected to their online banking portal to sign in and authorize the transfer.

Benefits

Pay by Bank provides the following benefits:

Secure payment — Shoppers approve the funds transfer from their bank's secure online portal with their exiting online banking credentials.
Reduced Risk — You and your shoppers do not need to share sensitive information, such as card data.
No Chargebacks — Shoppers cannot request a chargeback for payments made with Pay by Bank.

Enable Pay by Bank

Pay by Bank is supported by the Payment API and BlueSnap Checkout. Please reach out to BlueSnap Merchant Support to enable Pay by Bank.

API Integrations

The Payment API supports Pay by Bank transactions with the following requests:

Website Requirements

The Payment API provides flexibility so you can seamlessly embed Pay by Bank into your checkout page. For a Pay by Bank transaction, BlueSnap requires that you collect your shopper's International Bank Account Number (IBAN) and provide a post-checkout landing page for both successful and canceled transactions. Your shopper is redirected to one of the post-checkout pages after they authorize or cancel the funds transfer in their online banking portal. For detailed steps, see Pay by Bank Transaction Processing.

To satisfy these requirements, you must offer update the following pages for your site:

Checkout page — Offers Pay by Bank as a payment method and collects your shopper's IBAN. BlueSnap uses the IBAN to identify your shopper's online banking portal.
Success page — Post-checkout page that notifies your shopper that the payment transfer succeeded and funds will be transferred from their account. For example, this page might summarize the payment and shipping information.
Cancel page — Post-checkout page that confirms that the transaction was canceled and no funds will be transferred from your shopper's account.

Pay by Bank Transaction Processing

📘
Note
Before you begin, review Website Requirements.

Shoppers who purchase goods or services with Pay by Bank are redirected to their online banking portal to authorize the funds transfer. After your shopper authorizes payment, they are redirected back to your website.

The following steps describe how to process a Pay by Bank transaction with BlueSnap:

On the checkout page, collect your shopper's IBAN.

Send a POST request to create the Pay by Bank transaction. This request requires a payByBankTransaction object that contains URLs to your success and cancel pages and your shopper's IBAN:

{
  ...
  "payByBankTransaction": {
    "returnUrl": "https://path/to/success-page?success=true",
    "cancelUrl": "https://path/to/cancel-page?failure=true",
    "iban": "DE12345678901234567890"
  },
  ...
}

BlueSnap sends a response that includes a payByBankTransaction object. This object contains IBAN information and the payByBankUrl property:
```
{
  ...
  "payByBankTransaction": {
    "payByBankUrl": "https://<hostname>:8444/services/fel/pbb/hostedpage?hpid=<hosted-page-id>==&invid=<invid-id>",
    "ibanFirstFour": "DE12",
    "ibanLastFour": "7890"
  },
  ...
}
```
payByBankUrl is a unique URL that you must use to redirect your shopper to their online banking portal where they authenticate to the bank and authorize the funds transfer. The URL includes a hosted page ID that associates the redirect to the current transaction.

📘
Note
Your shopper has one hour to complete the funds transfer. After one hour, BlueSnap cancels the transfer automatically.
After your shopper leaves their banking portal, they are redirected to either the success or cancel page, depending on whether they authorized or canceled the transfer.
Funds are transferred from your shopper's bank account to BlueSnap, a process that can take up to 24 hours. While the funds are being transferred, the payment is pending.
After the transfer completes, the payment is in approved status.

Supported Shopper Countries

🚧
Important
BlueSnap processes Pay by Bank funds transfers in euros (EUR) only. If your shopper's bank account uses a different currency, then their bank must convert the funds from EUR to the account currency. Your shopper is responsible for any currency exchange fees charged by the bank.

Pay by Bank supports EUR payments in the countries listed in the following table:

Country	Country Code
Austria	AT
Andorra	AD
Belgium	BE
Bulgaria	BG
Croatia	HR
Cyrpus	CY
Czech Republic	CZ
Denmark	DK
Estonia	EE
Finland	FI
France	FR
Germany	DE
Gibraltar	GI
Greece	GR
Hungary	HU
Iceland	IS
Ireland	IE
Italy	IT
Latvia	LV
Liechtenstein	LI
Lithuania	LT
Luxembourg	LU
Malta	MT
Monaco	MC
Netherlands	NL
Norway	NO
Poland	PL
Portugal	PT
Romania	RO
Slovakia	SK
Slovenia	SI
Spain	SI
Sweden	SE
Switzerland	CH
Vatican City	VA