Integration type
Open bank transfer
Open bank transfer
This page keeps the public open-bank-transfer URL stable while pointing implementers to the current custom REST payment flow.
Primary amount field
amountCents
Buyer handoff
paymentUrl from the initializer response
Route focus
- Initialize the payment on your backend with `POST /payments/initialize`.
- Redirect the buyer to the returned `paymentUrl` for hosted checkout.
- For direct OBT, send `paymentMethod: open_bank_transfer`, `checkoutMode: direct_provider`, and redirect to `redirectUrl` or `sessionUrl`.
- Fetch bank details only when the checkout flow needs explicit transfer instructions.
Implementation guidance
- Treat `amountCents` as the canonical amount field.
- Keep Bearer API keys server-side only.
- Use `remittanceInfo` for a merchant-defined SEPA remittance reference.
- Record all identifiers returned by the initializer for support and reconciliation.
- Use webhooks or backend reconciliation as the durable source of final payment state.