Bank Transfer

The following is an example of a bank transfer request:

POST /v1/orders/ HTTP/1.1
Authorization: Basic aHVudGVyMjo=
Content-Type: application/json
    
{
  "currency": "EUR",
  "amount": 995,
  "merchant_order_id": "EXAMPLE001",
  "description": "Example Bank Transfer order",
  "return_url": "https://www.example.com/",
  "webhook_url": "https://www.example.com/webhook/",
  "transactions": [
    {
      "payment_method": "bank-transfer"
    }
  ]
}

The field reference will be returned in the response, which the customer will need to mention in the description of the bank transfer for identification on our side.

{
  "amount": 995,
  "client": {
    "user_agent": "Testing API"
  },
  "created": "2016-07-04T11:41:53.734183+00:00",
  "currency": "EUR",
  "id": "e4d22966-fbba-4753-ab89-b1ec9997171e",
  "last_transaction_added": "2016-07-04T11:41:54.028067+00:00",
  "merchant_id": "7131b462-1b7d-489f-aba9-de2f0eadc9dc",
  "modified": "2016-07-04T11:41:54.609881+00:00",
  "project_id": "1ef558ed-d77d-470d-b43b-c0f4a131bcef",
  "return_url": "https://www.example.com/",
  "status": "processing",
  "transactions": [
    {
      "amount": 995,
      "balance": "internal",
      "created": "2016-07-04T11:41:54.028067+00:00",
      "credit_debit": "credit",
      "currency": "EUR",
      "events": [
        {
          "event": "new",
          "id": "8c7f2802-9eee-44d1-b691-95bea6a2dc32",
          "noticed": "2016-07-04T11:41:54.154965+00:00",
          "occurred": "2016-07-04T11:41:54.028067+00:00",
          "source": "set_status"
        },
        {
          "event": "pending",
          "id": "80e845b6-c9e2-403d-a8d4-e193ab246767",
          "noticed": "2016-07-04T11:41:54.568740+00:00",
          "occurred": "2016-07-04T11:41:54.568740+00:00",
          "source": "set_status"
        }
      ],
      "expiration_period": "P30D",
      "id": "c511a0ec-a023-49a6-a5bf-00bdcaef2f21",
      "merchant_id": "7131b462-1b7d-489f-aba9-de2f0eadc9dc",
      "modified": "2016-07-04T11:41:54.837387+00:00",
      "order_id": "e4d22966-fbba-4753-ab89-b1ec9997171e",
      "payment_method": "bank-transfer",
      "payment_method_brand": "sepa",
      "payment_method_details": {
        "consumer_bic": "",
        "consumer_iban": "",
        "consumer_name": "",
        "reference": "9210201636861572",
        "creditor_account_holder_city": "Amsterdam",
        "creditor_account_holder_country": "Netherlands",
        "creditor_account_holder_name": "EMS",
        "creditor_bic": "NL08ABNA0000000XXX",
        "creditor_iban": "ABNXXXXX",
      },
      "project_id": "1ef558ed-d77d-470d-b43b-c0f4a131bcef",
      "status": "pending"
    }
  ]
}

Because the status of a bank transfer is always decoupled and delayed, the only way to be notified when the status has changed is to make use of the webhook.

Testing

Bank transfers can be created in the test environment. Only it’s not possible to complete them since we don’t accept transfers in the test environment.