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v1.0

PAY/Connect API Reference​

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PAY/Connect is an Open Banking eCommerce payment solution that enables direct account-to-account (A2A) payments through SEPA transfers.

Authentication

PAY/Connect uses a two-step authentication flow:

  1. Get Access Token: Call POST /payconnect/backend/token with Basic Authentication (tenant credentials) to obtain an access token.
  2. Use Access Token: Include the access token as a Bearer token in the Authorization header for all subsequent API calls.

Integration Flow

  1. Your backend calls POST /backend/token with Basic Auth to get an access token
  2. Your backend calls POST /backend/transaction with Bearer token to create a transaction and get a session ID
  3. Your frontend embeds the PAY/Connect JS library and initializes it with the session ID
  4. After payment completion, verify the transaction status via GET /backend/transaction/{transactionId}

For detailed integration instructions and code examples, see the PAY/Connect Integration Guide.

Servers​

https://banksapi.io

Create a payment transaction​

POST
/payconnect/backend/transaction

Creates a new payment or verification transaction and returns a session ID for frontend integration.

After creating the transaction, pass the sessionId to your frontend to initialize the PAY/Connect JavaScript library.
The user will then complete the payment flow in an embedded UI.

Transaction Types:

  • PAYMENT: Standard account-to-account transfer. Requires recipientIban.
  • VERIFICATION: Account ownership verification with a fixed €0.01 transfer. Must use EUR currency and 0.01 amount.

Session Expiry: Sessions expire after 10 minutes of inactivity.

Parameters​

Header Parameters

Authorization*

Bearer token obtained from POST /payconnect/backend/token (format: Bearer <access-token>)

Type
string
Required

Request Body​

application/json
JSON
{
"transactionType": "string",
"recipient": "string",
"recipientIban": "string",
"recipientBic": "string",
"amount": "string",
"currency": "string",
"purpose": "string",
"callbackUrl": "string",
"endUserAccessToken": "string",
"senderIban": "string"
}

Responses​

Transaction created successfully. Returns session ID for frontend integration and transaction ID for status queries.

application/json
JSON
{
"sessionId": "string",
"transactionId": "string"
}

Playground​

Headers
Body

Samples​

cURL
JavaScript
PHP
Python
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