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.
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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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.
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
Please note: The first 27 characters appear on the customer-account statement. You can view the full data in .
Beschreibung der gekauften Waren, Einzelpreise etc.
Bitte beachten Sie: Die ersten 27 Zeichen erscheinen auf dem Kontoauszug des Kunden. In The page DE:Wording was not found -- Please check/update the page name used in the MultiExcerpt-Include macro können Sie die kompletten Daten einsehen.
Complete URL which calls up if payment has been successful. The URL may be called up only via port 443. This URL may not contain parameters: In order to exchange values between and shop, please use the parameter UserData.
Common notes:
We recommend to use parameter "response=encrypted" to get an encrypted response by
However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.
Complete URL which calls up if payment has been unsuccessful. The URL may be called up only via port 443. This URL may not contain parameters: In order to exchange values between and shop, please use the parameter UserData.
Common notes:
We recommend to use parameter "response=encrypted" to get an encrypted response by
However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.
Complete URL which calls up in order to notify the shop about the payment result. The URL may be called up only via port 443. It may not contain parameters: Use the UserData parameter instead.
Common notes:
We recommend to use parameter "response=encrypted" to get an encrypted response by
However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.
To avoid double payments / actions, enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction / action is submitted again with the same ReqID, will not carry out the payment or new action, but will just return the status of the original transaction / action. Please note that the must have a finalized transaction status for the first initial action. Submissions with identical ReqID for an open status will be processed regularly.
"Custom"-parameter is added to the request data before encryption and is part of encrypted "Data" in request. By this they are protected against manipulation by a consumer.
The Custom-value is added to the response in plain text and the "|" is replaced by a "&". By this you can put a single value into Custom-parameter and get multiple key-value-pairs back in response for your own purpose.
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).
"Custom"-parameter is added to the request data before encryption and is part of encrypted "Data" in request. By this they are protected against manipulation by a consumer.
The Custom-value is added to the response in plain text and the "|" is replaced by a "&". By this you can put a single value into Custom-parameter and get multiple key-value-pairs back in response for your own purpose.