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available to BNP / Axepta merchants only
About Instanea
General information about Instanea
Instanea is an acceptance solution based on payment initiation as defined by PSD2, which allows you to receive instant transfers.
Through this solution, your company and your customers benefit from all the advantages of instant transfers:
- Speed: Transfer executed in less than 10 seconds with immediate availability of funds.
- Convenience: 24/7 availability all year round and notification to the payor in the event of rejection of the transaction.
- Ease: Choice of the reference of the transfer, allowing you to make an automatic reconciliation
- Secure payment: no risk of chargeback with SEPA Instant
…And a simple user journey for your customers.
Whether for in-store sales or online on your website, the Instanea user experience is fluid and secure.
Your customer fills their shopping cart – online or in-store:
1. S/He chooses the “Pay by instant transfer” option from among the payment methods offered.
2. Your customer selects his/her bank and gives his/her consent for the transaction, then s/he is redirected to its Bank
3. S/He log in to its online banking
4. S/He validates the transaction using its strong authentication tool provided by its Bank.
When the customer buys in store, a link will be sent to him (via email/SMS). Please contact your Cash Management Relationship Manager for more information about the set up in store.
With Instanea, your customers pay for their purchases with ease. The advantages are numerous, for you and for your customers:
- You diversify the payment methods offered and improve your conversion rate.
- You offer payment with no impact on your customers' credit card limits.
- You reduce the risk of chargeback thanks to the instant transfer (irrevocable transaction).
- Your accounting reconciliation is facilitated and may be automatized thanks to the unique and customizable reference that you provide, to be found on each instant transfer received.
- You streamline your customer experience: no data to enter.
- You offer a means of payment adapted to consumer expectations, accessible on computers and smartphones
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Use cases
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Authorization + Capture | Merchant wants to authorize payment and capture on delivery |
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Sale (one-shot) | Merchant wants to collect money from customer via Instanea |
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full or partial Credit | Merchant wants to credit some money back to customer after a payment has been successfully completed |
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full or partial Reversal | Merchant wants to cancel a payment which has not been completed |
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Process flow chart
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Instanea process flow
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Calling the Instanea interface
To process a payment with online transfer with Instanea, call up the following URL:
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Parameters for online transfers with Instanea
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Return parameters for URLSuccess, URLFailure and URLNotify with Instanea