Table of Contents

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

Page properties

Type
Logo
Info

Excerpt
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.
Payments by Online Bank Transfer

Use cases

Supported use cases			Supported interface
Use case	Description	Simple process	S-2-S	HPP
Authorization + Capture	Merchant wants to authorize payment and capture on delivery	not supported use "Sale" instead to authorize and capture a payment within one step.
Sale (one-shot)	Merchant wants to collect money from customer via Instanea	Merchant's shop initiates Instanea payment request and receives URL to Instanea Merchant redirects customer to Instanea URL Customer enters bank account data (IBAN) and his name (account holder name) and confirms payment Merchant's shop gets a notification about successful payment
full or partial Credit	Merchant wants to credit some money back to customer after a payment has been successfully completed	not supported
full or partial Reversal	Merchant wants to cancel a payment which has not been completed	not supported

Process flow chart

draw.io Diagram

border	true

diagramName	Instanea Sale
simpleViewer	false
links	auto
tbstyle	top
lbox	true
diagramWidth	1109
revision	1

Instanea process flow

Multiexcerpt include
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MultiExcerptName Platform-Kurz
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interface

Multiexcerpt include

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MultiExcerptName	Definition
PageWithExcerpt	Definition EN

Calling the Instanea interface

To process a payment with online transfer with Instanea, call up the following URL:

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	BaseURL
PageWithExcerpt	Wording

https://paymentpage.axepta.bnpparibas/instanea.aspx

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Request_Intro
PageWithExcerpt	Reuse API

Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1623741378316_1056203061
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	request

Instanea type "sepa" is used

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1623741378318_-1881547046
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MerchantID
page	MerchantID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Key

Format

CND

Description

Beschreibung

RefNr

an..18

M

Reference is mandatory and must be unique for each payment, allowed characters: A..Za..z0..9.

Tip

The format depends on the available paymethods for your MerchantId and this parameter is the end to end reference for the payment methods.

We advise to choose a format that could be used for all paymethods implemented on your website.

We strongly recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.

More details : Data reconciliation : Key Data

Info
This field is the 'End to End ID'.

Warning

The RefNr must be unique for Instanea Payment (End to End ID).

If the merchant sends the same RefNr twice, the second transaction will be blocked.

Die Referenznummer des Zahlungsvorganges. Sie muss eindeutig und einmalig sein und darf nur aus folgenden Zeichen bestehen: A..Za..z0..9

Table Excerpt Include

static	true
name	Amount
page	Amount
type	page

Table Excerpt Include

static	true
name	Currency
page	Currency
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Key

Format

CND

Description

Beschreibung

PayType

a..11

O

Defines type of Instanea payment:

Value	Meaning

sepa

sepaInstant

Instanea type "sepaInstant" is used

default, if not specified

Definiert die Art der Instanea Zahlung:

Wert	Bedeutung
sepa	Instanea type "sepa
sepaInstant	Instanea type "sepaInstant" (default)

OrderDesc

ans..768

O

Description of purchased goods, unit prices etc.

Info
Please note: The first 27 characters appear on the customer-account statement. You can view the full data in

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Backoffice-Name
PageWithExcerpt	Wording

.

Axepta BackOffice.

Warning

The data sent in this parameter will be forwarded to your customer banks and some restrictions can be setup by banks on the size of this field.

Additional rule : The characters accepted are: A..Za..z0..9 / - ? : ( ) . , + BUT Diactrics such as äöüÄÖÜ, áéíóú, àèìòù, âêîôu, ... are not accepted

We strongly recommend to use the following format for the data sent in this parameter : ans..50.

Info
This field is the 'remittance information'

Beschreibung der gekauften Waren, Einzelpreise etc.

Bitte beachten Sie: Die ersten 27 Zeichen erscheinen auf dem Kontoauszug des Kunden. In

Multiexcerpt include

SpaceWithExcerpt	DE
MultiExcerptName	Backoffice-Name
PageWithExcerpt	DE:Wording

können Sie die kompletten Daten einsehen.

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

Table Excerpt Include

static	true
name	URLSuccess
page	URLSuccess
type	page

Table Excerpt Include

static	true
name	URLFailure
page	URLFailure
type	page

Table Excerpt Include

static	true
name	Response
page	Response
type	page

Table Excerpt Include

static	true
name	URLNotify
page	URLNotify
type	page

Table Excerpt Include

static	true
name	ReqId-ans..32
page	ReqId
type	page

Table Excerpt Include

static	true
name	Plain
page	Plain
type	page

Table Excerpt Include

static	true
name	Custom
page	Custom
type	page

Parameters for online transfers with Instanea

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Response_IntroURL
PageWithExcerpt	Reuse API

Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1623742037710_1376413864
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	response

page

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1623742037712_1947564843
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MID
page	mid
type	page

Table Excerpt Include

static	true
name	PayID
page	PayID
type	page

Table Excerpt Include

static	true
name	XID
page	XID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Table Excerpt Include

static

true

name

Status_OK_FAILED

page

Status

type

Key

Format

CND

Description

Beschreibung

Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

AUTHORIZE_REQUEST (URLSuccess)

Note

Please note that you can receive a Status = 'authorize" (Response code = 00000000) and Description=PENDING.

It may take up to an hour to get final status (depending on the bank)

OK (URLSuccess) oder FAILED (URLFailure)

AUTHORIZE_REQUEST (URLSuccess), Description=PENDING: es dauert bis zu einer Stunde bis zum finalen Status

Table Excerpt Include

static	true
name	Description
page	Description
type	page

Table Excerpt Include

static	true
name	Code
page	Code
type	page

Key	Format	CND	Description	Beschreibung
RefNr	ans..30	M	Reference is mandatory and must be unique for each payment, allowed characters: A..Za..z. Digits are not allowed!	Die Referenznummer des Zahlungsvorganges. Sie muss eindeutig und einmalig sein und darf nur aus folgenden Zeichen bestehen: A..Za..z. Ziffern sind nicht erlaubt!
TransactionID	ans..64	M	Unique transaction id returned by Instanea (transfer-id).	Eindeutige TransaktionsId von Instanea (transfer-id).

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Table Excerpt Include

static	true
name	Plain
page	Plain
type	page

Table Excerpt Include

static	true
name	Custom
page	Custom
type	page

Return parameters for URLSuccess, URLFailure and URLNotify with Instanea

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Versions Compared

Old Version 1

New Version Current

Key

available to BNP / Axepta merchants only

About Instanea

General

information about

Instanea

Use cases

Process flow chart

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface

Calling the Instanea interface

Help

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Versions Compared

Old Version 1

New Version Current

Key

available to BNP / Axepta merchants only

About Instanea

General

information about

Instanea

Use cases

Process flow chart

Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePlatform-KurzPageWithExcerptWording interface

Calling the Instanea interface

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface