Open Banking

To make payments through open banking, the Create request is used. The response to the request contains data necessary for making the payment.

Example of response data:

{
    "orders": [
        {
            "id": "93792353819537534",
            ...
            "alternative_payments": [
                {
                    "image": "<https://checkout.example/img/button_image.svg>",
                    "provider": "OpenBanking",
                    "url": "<https://checkout.example/v2/api/open_banking/start_session/95094499276523504>"
                }
            ]
            ...
        }
    ]
}

https://checkout.example/v2/api/open_banking/start_session/95094499276523504 - user redirect link.

Next, Merchant should display the button to the customer, which will spawn a POST request to the URL provided.

Example HTML code for displaying the button:

<form action="<https://checkout.example/v2/api/open_banking/start_session/95094499276523504>" method="POST">
    <div class="box-button-wrapper"><button type="submit" class="box-button box-open-banking-btn"><img
                src="<https://checkout.example/img/button_image.svg>" alt=""></button></div>
</form>

After clicking the button, the user is redirected to the bank's page in order to proceed the payment.

If the order is still in processing after the user is redirected back to the application, it will be completed once a webhook from the provider is received.

Notes

Enabling the ability to make payments via Open Banking is done by customization in the project, and is subject to Bizon Team approval.

Necessary Settings To apply the customer's country for the bank's domain selected on the Open Banking page, you need to pass the customer's country in the API to the /orders/create endpoint in the client.country field: string uppercase country code in ISO 3166-1 alpha-2 or in alpha-3 format For open banking method the following countries and local currencies are acceptable:

  • Aland Islands (AX) — EUR

  • Austria (AT) — EUR

  • Belgium (BE) — EUR

  • Croatia (HR) — EUR

  • Cyprus (CY) — EUR

  • Estonia (EE) — EUR

  • Finland (FI) — EUR

  • France (FR) — EUR

  • Germany (DE) — EUR

  • Greece (GR) — EUR

  • Ireland (IE) — EUR

  • Italy (IT) — EUR

  • Latvia (LV) — EUR

  • Lithuania (LT) — EUR

  • Luxembourg (LU) — EUR

  • Malta (MT) — EUR

  • Netherlands (NL) — EUR

  • Portugal (PT) — EUR

  • Slovakia (SK) — EUR

  • Slovenia (SI) — EUR

  • Spain (ES) — EUR

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