Pay with Bank Transfer - Nuvei Documentation (2024)

Table of Contents
Payment Withdrawal References

On this page:

  • Introduction
  • Supported Countries
  • Supported Currencies
  • Payment (Deposit) Flow
  • Payout (Withdrawal) Flow
  • User Experience
    • Payment
    • Withdrawal
  • Testing

Attributes Pay with Bank Transfer - Nuvei Documentation (1)

  • METHOD TYPEReal-Time Bank Transfer
  • PAYMENTSPay with Bank Transfer - Nuvei Documentation (2)
  • PAYOUTSPay with Bank Transfer - Nuvei Documentation (3)
  • REFUNDSPay with Bank Transfer - Nuvei Documentation (4)
  • RECURRINGPay with Bank Transfer - Nuvei Documentation (5)

Pay with Bank Transfer is an Open Banking-enabled payment method that allows customers of participating banks in the UK to make payments to merchants incorporated in the UK and in the EU.

  • United Kingdom
  • EU-incorporated merchants
  • GBP

Press tab to open…

  • REST API
  • Web SDK

Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a sessionToken

Press here for details.

2. Send a /paymentRequest

Perform the payment by sending a /paymentrequest with its mandatory parameters including:

  • userTokenId
  • amount
  • currency
  • paymentOption.alternativePaymentMethod block containing:
    • paymentMethod: “apmgw_PayWithBankTransfer
  • deviceDetails block containing: ipAddress
  • billingAddress block containing: firstName, lastName, country, email– country must be “GB
  • userDetails block containing:firstName, lastName, country, email – country must be “GB

If the merchant is an ecommerce goods business, the /payment request must include the shippingAddress block with its mandatory parameters.

Example/paymentRequest
{ "sessionToken": "<sessionToken from /getSessionToken>", "merchantId": "<your merchantId>", "merchantSiteId": "<your merchantSiteId>", "clientRequestId": "<unique request ID in merchant system>", "amount": "200", "currency": "GBP", "userTokenId": "<unique customer identifier in merchant system>", "clientUniqueId": "<unique transaction ID in merchant system>", "paymentOption": { "alternativePaymentMethod": { "paymentMethod": "apmgw_PayWithBankTransfer" } }, "deviceDetails": { "ipAddress": "<customer's IP address>" }, "billingAddress": { "firstName": "John", "lastName": "Smith", "country": "GB", "email": "john.smith@email.com" }, "userDetails": { "firstName": "John", "lastName": "Smith", "country": "GB", "email": "john.smith@email.com" }, "timeStamp": "<YYYYMMDDHHmmss>", "checksum": "<calculated checksum>"}

The response generates and returns a redirect URL (redirectUrl) to redirect the customer to the payment page, as well as a UPO (userPaymentOptionId) for use in future transactions.

Example/paymentResponse
{ "internalRequestId": 34652001, "status": "SUCCESS", "errCode": 0, "reason": "", "merchantId": "5634436935940029474", "merchantSiteId": "242181", "version": "1.0", "sessionToken": "fff50e0c-d9b0-4831-b221-4be0b1b072d0", "orderId": "41391841", "userTokenId": "DanielREST_20231102160637", "paymentOption": { "redirectUrl": "https://paywithbank-qa.americanexpress.com/payments/v1/link?ipwbt=eyJraWQiOiJpZF9TN1ZWeUhOMSIsImFsZyI6IkhTMjU2In0.eyJhdWQiOiJhbWV4X3Rlc3RfNWUzMTk3ZDg3ZDQzNGJiMGIyNWI5M2Y4MmYwZjU2N2MiLCJuYmYiOjE2OTg5MzQwMDEsImFkZGl0aW9uYWxfaW5mbyI6eyJjb3VudHJ5X2NvZGUiOiJHQiIsInRyYWNraW5nX2lkIjoiOTVjYmViMWIyYzA5NDRiYTkxNGZkMWUzYzA3M2Q1MzQiLCJzdWJfbWVyY2hhbnRfaWQiOiJhbWV4X3Rlc3RfNWUzMTk3ZDg3ZDQzNGJiMGIyNWI5M2Y4MmYwZjU2N2MifSwiaXNzIjoiQU1FWCIsImV4cCI6MTY5ODkzNDYwMSwiaWF0IjoxNjk4OTM0MDAxLCJqdGkiOiI1NjY5ZjY4YTJkYjk0NTdlYjhmYzYwZDNkOWU5MjIwNCJ9.P3Wf2Mx4whV-HyDhL4Hf0V0Z5uCtsvnpvlHjdQWOWC4", "userPaymentOptionId": "2153072181", "card": {} }, "transactionStatus": "REDIRECT"}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payment request.

Follow these steps to perform a payment using Nuvei Web SDK integration.

1. Initiate a Session

Before you can submit payment using the client-side Nuvei Web SDK, you need to send the/openOrderAPI call.

2. Initialize the Web SDK

Instantiate the Web SDK with the sessionToken received from the server call to /openOrder.

3.Create an APM Payment

Send a createPayment() request with its mandatory parameters including:

  • paymentOption.alternativePaymentMethod block containing:
    • paymentMethod: “apmgw_PayWithBankTransfer
  • deviceDetails block containing: ipAddress
  • billingAddressblock containing: firstName, lastName, email, countrycountry must be “GB
  • userDetails block containing: firstName, lastName, email, countrycountry must be “GB

If the merchant is an ecommerce goods business, the createPayment() request must include the shippingAddress block with its mandatory parameters.

Example createPayment() Request
sfc.createPayment({ sessionToken: "<sessiontoken>", paymentOption: { alternativePaymentMethod: { paymentMethod: "apmgw_PayWithBankTransfer" } }, deviceDetails:{ ipAddress:"<customer's IP address>" }, billingAddress: { firstName: "John", lastName: "Smith", country: "GB", email: "john.smith@email.com" }, userDetails: { firstName: "John", lastName: "Smith", country: "GB", email: "john.smith@email.com" },}, function (res) { console.log(res);});

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /openOrderrequest.

REST API

Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a sessionToken

Press here for details.

2. Send a /paymentRequest

Perform the payment by sending a /paymentrequest with its mandatory parameters including:

  • userTokenId
  • amount
  • currency
  • paymentOption.alternativePaymentMethod block containing:
    • paymentMethod: “apmgw_PayWithBankTransfer
  • deviceDetails block containing: ipAddress
  • billingAddress block containing: firstName, lastName, country, email– country must be “GB
  • userDetails block containing:firstName, lastName, country, email – country must be “GB

If the merchant is an ecommerce goods business, the /payment request must include the shippingAddress block with its mandatory parameters.

Example/paymentRequest
{ "sessionToken": "<sessionToken from /getSessionToken>", "merchantId": "<your merchantId>", "merchantSiteId": "<your merchantSiteId>", "clientRequestId": "<unique request ID in merchant system>", "amount": "200", "currency": "GBP", "userTokenId": "<unique customer identifier in merchant system>", "clientUniqueId": "<unique transaction ID in merchant system>", "paymentOption": { "alternativePaymentMethod": { "paymentMethod": "apmgw_PayWithBankTransfer" } }, "deviceDetails": { "ipAddress": "<customer's IP address>" }, "billingAddress": { "firstName": "John", "lastName": "Smith", "country": "GB", "email": "john.smith@email.com" }, "userDetails": { "firstName": "John", "lastName": "Smith", "country": "GB", "email": "john.smith@email.com" }, "timeStamp": "<YYYYMMDDHHmmss>", "checksum": "<calculated checksum>"}

The response generates and returns a redirect URL (redirectUrl) to redirect the customer to the payment page, as well as a UPO (userPaymentOptionId) for use in future transactions.

Example/paymentResponse
{ "internalRequestId": 34652001, "status": "SUCCESS", "errCode": 0, "reason": "", "merchantId": "5634436935940029474", "merchantSiteId": "242181", "version": "1.0", "sessionToken": "fff50e0c-d9b0-4831-b221-4be0b1b072d0", "orderId": "41391841", "userTokenId": "DanielREST_20231102160637", "paymentOption": { "redirectUrl": "https://paywithbank-qa.americanexpress.com/payments/v1/link?ipwbt=eyJraWQiOiJpZF9TN1ZWeUhOMSIsImFsZyI6IkhTMjU2In0.eyJhdWQiOiJhbWV4X3Rlc3RfNWUzMTk3ZDg3ZDQzNGJiMGIyNWI5M2Y4MmYwZjU2N2MiLCJuYmYiOjE2OTg5MzQwMDEsImFkZGl0aW9uYWxfaW5mbyI6eyJjb3VudHJ5X2NvZGUiOiJHQiIsInRyYWNraW5nX2lkIjoiOTVjYmViMWIyYzA5NDRiYTkxNGZkMWUzYzA3M2Q1MzQiLCJzdWJfbWVyY2hhbnRfaWQiOiJhbWV4X3Rlc3RfNWUzMTk3ZDg3ZDQzNGJiMGIyNWI5M2Y4MmYwZjU2N2MifSwiaXNzIjoiQU1FWCIsImV4cCI6MTY5ODkzNDYwMSwiaWF0IjoxNjk4OTM0MDAxLCJqdGkiOiI1NjY5ZjY4YTJkYjk0NTdlYjhmYzYwZDNkOWU5MjIwNCJ9.P3Wf2Mx4whV-HyDhL4Hf0V0Z5uCtsvnpvlHjdQWOWC4", "userPaymentOptionId": "2153072181", "card": {} }, "transactionStatus": "REDIRECT"}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payment request.

Web SDK

Follow these steps to perform a payment using Nuvei Web SDK integration.

1. Initiate a Session

Before you can submit payment using the client-side Nuvei Web SDK, you need to send the/openOrderAPI call.

2. Initialize the Web SDK

Instantiate the Web SDK with the sessionToken received from the server call to /openOrder.

3.Create an APM Payment

Send a createPayment() request with its mandatory parameters including:

  • paymentOption.alternativePaymentMethod block containing:
    • paymentMethod: “apmgw_PayWithBankTransfer
  • deviceDetails block containing: ipAddress
  • billingAddressblock containing: firstName, lastName, email, countrycountry must be “GB
  • userDetails block containing: firstName, lastName, email, countrycountry must be “GB

If the merchant is an ecommerce goods business, the createPayment() request must include the shippingAddress block with its mandatory parameters.

Example createPayment() Request
sfc.createPayment({ sessionToken: "<sessiontoken>", paymentOption: { alternativePaymentMethod: { paymentMethod: "apmgw_PayWithBankTransfer" } }, deviceDetails:{ ipAddress:"<customer's IP address>" }, billingAddress: { firstName: "John", lastName: "Smith", country: "GB", email: "john.smith@email.com" }, userDetails: { firstName: "John", lastName: "Smith", country: "GB", email: "john.smith@email.com" },}, function (res) { console.log(res);});

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /openOrderrequest.

Example Payment DMN with Status=APPROVED
...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=41386381&userid=ScMigrationTest3&merchant_unique_id=97c10831-d399-48d7-8ea5-41f89619d2fa6&customData=anca.gheorghitanu&productId=test_name_1&first_name=John&last_name=Doe&email=ivanp%40abv.bg&currency=GBP&customField1=meccabingo.com&customField2=a2db82db-8186-44bb-a6d9-cb9f8f7ea25e&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=rnk_pr01&invoice_id=&address1=Test+Address&address2=&country=United+Kingdom&state=&city=Ontario&zip=M6T+1J1&phone1=%2B14161238888&phone2=&phone3=&client_ip=127.0.0.1&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=PayWithBankTransfer-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=GB&shippingState=&shippingCity=Ontario&shippingAddress=Test+Address&shippingZip=M6T+1J1&shippingFirstName=John&shippingLastName=Doe&shippingPhone=%2B14161238888&shippingCell=%2B14161238888&shippingMail=ivanp%40abv.bg&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=242181&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=en_US&unknownParameters=&payment_method=apmgw_PayWithBankTransfer&ID=&merchant_id=5634436935940029474&responseTimeStamp=2023-11-01.13%3A53%3A10&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=danieltest_5&user_token=auto&userPaymentOptionId=2153070691&TransactionID=2110000000011442655&externalTransactionId=7f632f3c7c1f4c3186cbd0eaa2489b40&APMReferenceID=9ADD2E6BD26BB9728E4CB5E104958252&orderTransactionId=22930921&totalAmount=13.00&dynamicDescriptor=static+test&item_name_1=test_name_1&item_number_1=&item_amount_1=13.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&cryptogram=&upoRegistrationDate=20231101&type=DEPOSIT&clientRequestId=&relatedTransactionId=&sessionId=b282a73e7a3fee49df5f326c2392&responsechecksum=129b2a2e90b804142f54b7b86f2651bb&advanceResponseChecksum=e911789f9ac8478779df41dec6eff089',
Example Payment DMN with Status=UPDATE
...'ppp_status=OK&Status=UPDATE&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=41392971&userid=DanielREST_20231102171527&merchant_unique_id=&customData=&productId=&first_name=John&last_name=Doe&email=ivanp%40abv.bg&currency=GBP&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=65%2C+Overlea+str&address2=&country=United+Kingdom&state=&city=test+shipping&zip=K0A+0A2&phone1=&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=PayWithBankTransfer-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=GB&shippingState=&shippingCity=test+city&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=242181&merchant_status=&action=&requestVersion=&message=UPDATE&merchantLocale=&unknownParameters=&payment_method=apmgw_PayWithBankTransfer&ID=&merchant_id=5634436935940029474&responseTimeStamp=2023-11-02.15%3A19%3A47&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=DanielREST_20231102171527&userPaymentOptionId=2153072351&TransactionID=2110000000011454480&externalTransactionId=a6a3afaa66d64e199dca8b5da47abcf1&APMReferenceID=8A76E3508DCE4D15DC0BA004B822D30E&orderTransactionId=22935701&totalAmount=76.00&dynamicDescriptor=static+test&item_name_1=NA&item_number_1=&item_amount_1=76.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&cryptogram=&upoRegistrationDate=20231102&type=DEPOSIT&clientRequestId=&relatedTransactionId=&sessionId=09a8265011e689f8d6b5e06c348e&responsechecksum=979e16501906bc75076d23f136681010&advanceResponseChecksum=b70b18b628a1e240fbfa7763d4d72069',
Example Payment DMN with Status=PENDING
...'ppp_status=PENDING&Status=PENDING&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=41387671&userid=ScMigrationTest3&merchant_unique_id=97c10831-d399-48d7-8ea5-41f89619d2fa6&customData=anca.gheorghitanu&productId=test_name_1&first_name=John&last_name=Doe&email=ivanp%40abv.bg&currency=GBP&customField1=meccabingo.com&customField2=a2db82db-8186-44bb-a6d9-cb9f8f7ea25e&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=rnk_pr01&invoice_id=&address1=Test+Address&address2=&country=United+Kingdom&state=&city=Ontario&zip=M6T+1J1&phone1=%2B14161238888&phone2=&phone3=&client_ip=127.0.0.1&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=PayWithBankTransfer-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=GB&shippingState=&shippingCity=Ontario&shippingAddress=Test+Address&shippingZip=M6T+1J1&shippingFirstName=John&shippingLastName=Doe&shippingPhone=%2B14161238888&shippingCell=%2B14161238888&shippingMail=ivanp%40abv.bg&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=242181&merchant_status=&action=&requestVersion=&message=PENDING&merchantLocale=en_US&unknownParameters=&payment_method=apmgw_PayWithBankTransfer&ID=&merchant_id=5634436935940029474&responseTimeStamp=2023-11-01.15%3A48%3A23&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=danieltest_7&user_token=auto&userPaymentOptionId=2153070991&TransactionID=2110000000011443185&externalTransactionId=8d72ed840b8449a9893fd29e716d153d&APMReferenceID=D0C43E418ABF4EF03E7CD71DBD9509E6&orderTransactionId=22931991&totalAmount=70.00&dynamicDescriptor=static+test&item_name_1=test_name_1&item_number_1=&item_amount_1=70.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&cryptogram=&upoRegistrationDate=20231101&type=DEPOSIT&clientRequestId=&relatedTransactionId=&sessionId=b7ebf09b725fe42b865823beb117&responsechecksum=493f3a24a94526e66e66a63b9d465273&advanceResponseChecksum=37b32423a57b96a890fad454f8dc493b',
Example Payment DMN with Status=DECLINED
...'ppp_status=FAIL&Status=DECLINED&ExErrCode=0&ErrCode=1&errApmCode=1&errApmDescription=Payment+settlement+rejected+by+the+bank.&errScCode=10013&errScDescription=Declined&Reason=Declined&ReasonCode=10013&PPP_TransactionID=41387371&userid=ScMigrationTest3&merchant_unique_id=97c10831-d399-48d7-8ea5-41f89619d2fa6&customData=anca.gheorghitanu&productId=test_name_1&first_name=John&last_name=Doe&email=ivanp%40abv.bg&currency=GBP&customField1=meccabingo.com&customField2=a2db82db-8186-44bb-a6d9-cb9f8f7ea25e&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=rnk_pr01&invoice_id=&address1=Test+Address&address2=&country=United+Kingdom&state=&city=Ontario&zip=M6T+1J1&phone1=%2B14161238888&phone2=&phone3=&client_ip=127.0.0.1&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=PayWithBankTransfer-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=GB&shippingState=&shippingCity=Ontario&shippingAddress=Test+Address&shippingZip=M6T+1J1&shippingFirstName=John&shippingLastName=Doe&shippingPhone=%2B14161238888&shippingCell=%2B14161238888&shippingMail=ivanp%40abv.bg&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=242181&merchant_status=&action=&requestVersion=&message=DECLINED&merchantLocale=en_US&unknownParameters=&payment_method=apmgw_PayWithBankTransfer&ID=&merchant_id=5634436935940029474&responseTimeStamp=2023-11-01.15%3A27%3A47&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=danieltest_6&user_token=auto&userPaymentOptionId=2153070921&TransactionID=2110000000011443040&externalTransactionId=3604e6a4daff4581b582e693a79481ea&APMReferenceID=84576497C6E97E5AFA7E0D2903A23D82&orderTransactionId=22931661&totalAmount=40.00&dynamicDescriptor=static+test&item_name_1=test_name_1&item_number_1=&item_amount_1=40.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&cryptogram=&upoRegistrationDate=20231101&type=DEPOSIT&clientRequestId=&relatedTransactionId=&sessionId=b7ebf09b725fe42b865823beb117&responsechecksum=9b5593a4a700e75fd79df740fd9804ec&advanceResponseChecksum=48ffcfbdbe711d15d8d508989dcbfdc7',

To perform a Pay with Bank Transfer payout, you need to create a UPO, which represents the customer’s bank account details, with the /addUPOAPM method before sending the /payout request:

1. Register a userTokenId

A userTokenId is a field in the Nuvei system containing the user’s identifier in the merchant system.

If you do not have a userTokenId registered in the Nuvei system for this user, then register one by sending a /createUser request, including email, countryCode, firstName, and lastName. countryCode must be “UK“.

Example /createUser Request
{ "merchantId":"<your merchantId>", "merchantSiteId":"<your merchantSiteId>", "clientRequestId":"<unique request ID in merchant system>", "userTokenId":"<unique user identifier in merchant system>", "email":"john.smith@email.com", "countryCode":"UK","firstName":"John","lastName":"Smith", "timeStamp":"<YYYYMMDDHHmmss>", "checksum":"<calculated checksum>"}
Example /createUser Response
{ "userId":78403498, "internalRequestId":552360538, "status":"SUCCESS", "errCode":0, "reason":"", "merchantId":"2439523627382132721", "merchantSiteId":"224428", "version":"1.0", "clientRequestId":"20221108130736"}

The request registers the userTokenId (userId) in the Nuvei system, which is needed to generate a userPaymentOptionIdin the next step.

2. Create the UPO

Create a UPO by sending an /addUPOAPM request and include:

  • userTokenId– The unique user identifier in your system.
  • paymentMethodName: “apmgw_PayWithBankTransfer
Example /addUPOAPM Request
{ "merchantSiteId": "<your merchantSiteId>", "merchantId": "<your merchantId>", "userTokenId": "<unique customer identifier in merchant system>", "clientRequestId": "<unique request ID in merchant system>", "timeStamp": "<YYYYMMDDHHmmss>", "paymentMethodName": "apmgw_PayWithBankTransfer", "checksum": "<calculated checksum>"}

The request returns an encrypted userPaymentOptionIdrepresenting the user’s APM account details.

Example /addUPOAPM Response
{ "userPaymentOptionId":83458468, "internalRequestId":553078068, "status":"SUCCESS", "errCode":0, "reason":"", "merchantId":"2439523627382132721", "merchantSiteId":"224428", "version":"1.0", "clientRequestId":"20221109154215"}
3. Send a /payout Request

Send a/payoutrequest and include theuserPaymentOptionId, which contains the user’s previously stored APM account details. Press here for an example.

After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payoutrequest.

Payment

  1. The user is redirected to the Pay with Bank Transfer Review Payment page.
    Pay with Bank Transfer - Nuvei Documentation (6)
  2. After pressing Agree & Continue, the user selects a bank.
    Pay with Bank Transfer - Nuvei Documentation (7)
  3. The user selects a login method.
    Pay with Bank Transfer - Nuvei Documentation (8)
    • If the user scans the QR code, the bank’s mobile app opens. The user reviews and confirms the payment.
    • If the user presses Continue on Desktop:
      1. The user is redirected to the bank’s website.
        Pay with Bank Transfer - Nuvei Documentation (9)
      2. The user logs in to the website using two-factor account authentication.
        Pay with Bank Transfer - Nuvei Documentation (10)
        Pay with Bank Transfer - Nuvei Documentation (11)
      3. The user reviews and confirms the payment.
        Pay with Bank Transfer - Nuvei Documentation (12)
  4. The user is redirected back to the Nuvei Payment Page (Deposit) and the payment is confirmed.
    Pay with Bank Transfer - Nuvei Documentation (13)

Withdrawal

  1. On the Nuvei Payment Page (Withdrawal), the user selects an existing Pay by Bank payment method.
    Pay with Bank Transfer - Nuvei Documentation (14)
  2. The user specifies the withdrawal amount.
  3. A withdrawal request is created.
    Pay with Bank Transfer - Nuvei Documentation (15)

To test the Pay with Bank Transfer payment method, use the following data:

Bank: MV Bank
Username: mvtest
Password: test2019

Testing Amounts
AmountPayment Status
£ 10.00AcceptedSettlementInProcess
£ 30.00Pending
£ 40.00Rejected
£ 50.00Bad Request
£ 20 or any other amount (£ 13 works better)AcceptedSettlementCompleted
£ 13.00AcceptedSettlementCompleted and you will receive all of the account information required for payouts
Pay with Bank Transfer - Nuvei Documentation (2024)

References

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