BankPay enables customers to pay directly from their bank account using Open Banking in Europe or ACH in North America. Customers authenticate with their bank to authorize the payment.
Availability
BankPay is available on all browsers and devices, but requires bank support in the payer’s region. Contact our team to confirm if your target region is supported.
| Platform | Availability |
|---|
| Desktop browsers | Yes |
| Mobile browsers | Yes |
| iOS apps | Yes |
| Android apps | Yes |
const available = await engine.checkAvailability();
if (available.includes('BankPay')) {
// Show BankPay button
}
Requirements
BankPay requires:
// Server-side session creation
const session = {
operation: 'CHARGE',
paymentGatewayAccountId: 'your-psp-account',
allowedeWalletAccountIds: ['your-bankpay-account'],
allowedBrands: ['VISA', 'MASTERCARD', 'AMEX'],
amount: 25.00,
currencyCode: 'USD',
countryCode: 'US',
mode: 'LIVE'
};
<div id="bankpay-button"></div>
engine.payBy(
[{ name: 'BankPay', domEntitySelector: '#bankpay-button' }],
handleResult,
{ color: 'Dark', text: 'Pay' }
);
How It Works
- Customer clicks the BankPay button
- Customer selects their bank from a list
- Customer is redirected to their bank’s authentication page
- Customer logs in and authorizes the payment
- Bank redirects back to complete the flow
- On completion, results are returned to the client, ready to be sent to your server for validation
Supported Operations
| Operation | Supported | Description |
|---|
CHARGE | Yes | Process payment immediately |
TOKENIZE | No | Not supported |
CHARGE_AND_TOKENIZE | No | Not supported |
BankPay only supports immediate charges. Tokenization is not available for bank transfers.
Settlement Time
Bank transfers may take longer to settle than card payments:
- Open Banking (Europe): Usually instant or same-day
- ACH (US): Typically 1-3 business days
