About Instanea

General information about Instanea

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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	not supported

Process flow chart

Instanea process flow

interface

Calling the Instanea interface

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

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

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.

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

This field is the 'End to End ID'.

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

Key

Format

CND

Description

Beschreibung

PayType

a..11

O

Defines type of Instanea payment:

Value

Meaning

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.

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

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.

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 können Sie die kompletten Daten einsehen.

Key

Format

CND

Description

Beschreibung

Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

AUTHORIZE_REQUEST (URLSuccess)

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

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).