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.

📘
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 alt-tansaction container, with the following:

Property	Type	Required
`amount`	decimal	required
`currency`	string	required
`local-bank-transfer-transaction`	container	required (refer to local-bank-transfer-transaction)
`merchant-transaction-id`	string	optional
`payer-info`	container	required if `vaulted-shopper-id` is not sent (refer to payer-info)
`product-description`	string	optional
`soft-descriptor`	string	optional
`tax-reference`	string	optional
`transaction-meta-data`	container	optional (refer to transaction-meta-data)
`vaulted-shopper-id`	integer	required if `payer-info` is not sent
`vendors-info`	container	required if using marketplace vendor(s) (refer to vendors-info)

Response Details

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

Property	Notes
`local-bank-transfer-transaction`	(refer to local-bank-transfer-transaction)
`processing-info`	(refer to processing-info)
`vaulted-shopper-id`

Examples

Request Examples

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/xml' \
-H 'Accept: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
<alt-transaction xmlns="http://ws.plimus.com">
    <amount>70</amount>
    <currency>USD</currency>
    <payer-info>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <country>us</country>
    </payer-info>
    <local-bank-transfer-transaction />
</alt-transaction>'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/xml' \
-H 'Accept: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
<alt-transaction xmlns="http://ws.plimus.com">
    <amount>70</amount>
    <currency>USD</currency>
    <payer-info>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <country>us</country>
    </payer-info>
    <local-bank-transfer-transaction />
    <soft-descriptor>ABC COMPANY</soft-descriptor>
    <transaction-meta-data>
        <meta-data>
            <meta-key>stateTaxAmount</meta-key>
            <meta-value>20.00</meta-value>
            <meta-description>State Tax Amount</meta-description>
        </meta-data>
        <meta-data>
            <meta-key>cityTaxAmount</meta-key>
            <meta-value>20.00</meta-value>
            <meta-description>City Tax Amount</meta-description>
        </meta-data>
    </transaction-meta-data>
    <merchant-transaction-id>abc123</merchant-transaction-id>
</alt-transaction>'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/xml' \
-H 'Accept: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
<alt-transaction xmlns="http://ws.plimus.com">
    <amount>70</amount>
    <currency>USD</currency>
    <payer-info>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <country>us</country>
    </payer-info>
    <local-bank-transfer-transaction />
    <vendors-info>
        <vendor-info>
            <vendor-id>10398032</vendor-id>
        </vendor-info>
    </vendors-info>
</alt-transaction>'

curl -v -X POST https://sandbox.bluesnap.com/services/2/alt-transactions/ \
-H 'Content-Type: application/xml' \
-H 'Accept: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d '
<alt-transaction xmlns="http://ws.plimus.com">
    <amount>75.60</amount>
    <currency>USD</currency>
    <tax-reference>048deff0-a285-47e1-bc39-42f79bf0095b</tax-reference>
    <payer-info>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <country>us</country>
    </payer-info>
    <local-bank-transfer-transaction />
</alt-transaction>'

Response Examples

<?xml version="1.0" encoding="UTF-8"?>
<alt-transaction xmlns="http://ws.plimus.com">
    <amount>70</amount>
    <currency>USD</currency>
    <payer-info>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <country>us</country>
    </payer-info>
    <vaulted-shopper-id>19584260</vaulted-shopper-id>
    <local-bank-transfer-transaction>
        <local-bank-transfer-info>
            <swift-code>RABOUS66XXX</swift-code>
            <payment-reference>410000825969</payment-reference>
            <account-holder>Global Collect BV</account-holder>
            <bank-code>ABA|122238420||Address|WESTLAKE VILLAGE, 2663 TOWNSGATE RD</bank-code>
            <bank-name>Rabobank N.A.</bank-name>
            <country-description>United States</country-description>
            <bank-city>Ontario USA</bank-city>
            <bank-account-number>0487369908</bank-account-number>
        </local-bank-transfer-info>
        <order-id>4002617</order-id>
    </local-bank-transfer-transaction>
    <processing-info>
        <processing-status>PENDING</processing-status>
        <transaction-region>US</transaction-region>
    </processing-info>
</alt-transaction>

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<alt-transaction
    xmlns="http://ws.plimus.com">
    <merchant-transaction-id>abc123</merchant-transaction-id>
    <soft-descriptor>ABC COMPANY</soft-descriptor>
    <amount>70</amount>
    <currency>USD</currency>
    <payer-info>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <country>us</country>
    </payer-info>
    <vaulted-shopper-id>19584262</vaulted-shopper-id>
    <transaction-meta-data>
        <meta-data>
            <meta-key>cityTaxAmount</meta-key>
            <meta-value>20.00</meta-value>
            <meta-description>City Tax Amount</meta-description>
        </meta-data>
        <meta-data>
            <meta-key>stateTaxAmount</meta-key>
            <meta-value>20.00</meta-value>
            <meta-description>State Tax Amount</meta-description>
        </meta-data>
    </transaction-meta-data>
    <local-bank-transfer-transaction>
        <local-bank-transfer-info>
            <swift-code>RABOUS66XXX</swift-code>
            <payment-reference>410000825979</payment-reference>
            <account-holder>Global Collect BV</account-holder>
            <bank-code>ABA|122238420||Address|WESTLAKE VILLAGE, 2663 TOWNSGATE RD</bank-code>
            <bank-name>Rabobank N.A.</bank-name>
            <country-description>United States</country-description>
            <bank-city>Ontario USA</bank-city>
            <bank-account-number>0487369908</bank-account-number>
        </local-bank-transfer-info>
        <order-id>4002619</order-id>
    </local-bank-transfer-transaction>
    <processing-info>
        <processing-status>PENDING</processing-status>
    </processing-info>
</alt-transaction>

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<alt-transaction xmlns="http://ws.plimus.com">
    <vendors-info>
        <vendor-info>
            <vendor-id>10398032</vendor-id>
            <commission-percent>90.2</commission-percent>
        </vendor-info>
    </vendors-info>
    <amount>70</amount>
    <currency>USD</currency>
    <payer-info>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <country>us</country>
    </payer-info>
    <vaulted-shopper-id>27670687</vaulted-shopper-id>
    <local-bank-transfer-transaction>
        <local-bank-transfer-info>
            <swift-code>RABOUS66XXX</swift-code>
            <payment-reference>410000932249</payment-reference>
            <account-holder>Global Collect BV</account-holder>
            <bank-code>ABA&#x7c;122238420&#x7c;&#x7c;Address&#x7c;WESTLAKE VILLAGE, 2663 TOWNSGATE RD</bank-code>
            <bank-name>Rabobank N.A.</bank-name>
            <country-description>United States</country-description>
            <bank-city>Ontario USA</bank-city>
            <bank-account-number>0487369908</bank-account-number>
        </local-bank-transfer-info>
        <order-id>17649643</order-id>
    </local-bank-transfer-transaction>
    <processing-info>
        <processing-status>PENDING</processing-status>
    </processing-info>
</alt-transaction>

<?xml version="1.0" encoding="UTF-8"?>
<alt-transaction xmlns="http://ws.plimus.com">
    <amount>75.60</amount>
    <currency>USD</currency>
    <tax-reference>048deff0-a285-47e1-bc39-42f79bf0095b</tax-reference>
    <payer-info>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <country>us</country>
    </payer-info>
    <vaulted-shopper-id>19584260</vaulted-shopper-id>
    <local-bank-transfer-transaction>
        <local-bank-transfer-info>
            <swift-code>RABOUS66XXX</swift-code>
            <payment-reference>410000825969</payment-reference>
            <account-holder>Global Collect BV</account-holder>
            <bank-code>ABA|122238420||Address|WESTLAKE VILLAGE, 2663 TOWNSGATE RD</bank-code>
            <bank-name>Rabobank N.A.</bank-name>
            <country-description>United States</country-description>
            <bank-city>Ontario USA</bank-city>
            <bank-account-number>0487369908</bank-account-number>
        </local-bank-transfer-info>
        <order-id>4002617</order-id>
    </local-bank-transfer-transaction>
    <processing-info>
        <processing-status>PENDING</processing-status>
    </processing-info>
</alt-transaction>

📘
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 order-id for the transaction.

API Explorer

To test out a basic API request, click the "Try It!" button in the right-hand column to test using the default, pre-populated sample values. To test with your own values, edit the parameter fields below. You'll see them populate in the right-hand column and you can click the "Try It!" button to submit your test request and see a response.