Description

The Pay by Bank PayIn object allows platforms to process open banking payments, where the user authenticates directly with their bank to confirm the payment. Read more

Attributes

Id
string

The unique identifier of the object.

Tag
string

Max. length: 255 characters

Custom data that you can add to this object.
For transactions (pay-in, transfer, payout), you can use this parameter to identify corresponding information regarding the user, transaction, or payment methods on your platform.

CreationDate
timestamp

The date and time at which the object was created.

AuthorId
string

The unique identifier of the user at the source of the transaction.

DebitedFunds
object

Information about the debited funds.

CreditedFunds
object

Information about the credited funds (CreditedFunds = DebitedFunds - Fees).

Fees
object

Information about the fees.

Status
string

Returned values: CREATED, SUCCEEDED, FAILED

The status of the transaction.

ResultCode
string

The code indicating the result of the operation. This information is mostly used to handle errors or for filtering purposes.

ResultMessage
string

The explanation of the result code.

ExecutionDate
timestamp

The date and time at which the status changed to SUCCEEDED, indicating that the transaction occurred. The statuses CREATED and FAILED return an ExecutionDate of null.

Type
string

Returned values: PAYIN, TRANSFER, CONVERSION, PAYOUT

The type of the transaction.

Nature
string

Returned values: REGULAR, REPUDIATION, REFUND, SETTLEMENT

The nature of the transaction, providing more information about the context in which the transaction occurred:

  • REGULAR – Relative to most of the transactions (pay-ins, payouts, and transfers) in a usual workflow.
  • REPUDIATION – Automatic withdrawal of funds from the platform’s repudiation wallet as part of the dispute process (when the user has requested a chargeback).
  • REFUND – Reimbursement of a transaction to the user (pay-in refund), to a wallet (transfer refund), or of a payout (payout refund, only initiated by Mangopay).
  • SETTLEMENT – Transfer made to the repudiation wallet by the platform to settle a lost dispute.
CreditedWalletId
string

The unique identifier of the credited wallet.

CreditedUserId
string

Default value: The unique identifier of the owner of the credited wallet.

The unique identifier of the user whose wallet is credited.

PaymentType
string

Returned values: PAY_BY_BANK

The type of pay-in.

ExecutionType
string

Returned values: WEB

The execution type of the mandate.

ReturnURL
string

Max. length: 255 characters

The URL to which the user is returned after the payment, whether the transaction is successful or not.

RedirectURL
string

The URL to which to redirect the user to complete the payment.

Caution: This variable URL is specific to each payment. You must rely on the returned URL in full (host, path, and queries) and not hardcode any part of it.

StatementDescriptor
string

Max. length: 10 characters; only alphanumeric and spaces

Custom description to appear on the user’s bank statement along with the platform name. Different banks may show more or less information. See the Customizing bank statement references article for details.

Country
string

Allowed values: AT, DE, DK, EE, ES, FI, FR, GB, IE, IT, LV, LT, NL, NO, PL, PT.

The country of residence of the user.

BIC
string

The BIC of the user’s bank account, which is only returned if it was sent.

If both the IBAN and BIC are provided, one of the two authentication steps required by certain banks may be avoided.

IBAN
string

The IBAN of the user’s bank account, which is only returned if it was sent.

If both the IBAN and BIC are provided, one of the two authentication steps required by certain banks may be avoided.

PaymentFlow
string

Allowed values: WEB, APP

Default value: WEB

The platform environment of the post-payment flow. The PaymentFlow value combines with the ReturnURL to manage the redirection behavior after payment:

  • Set the value to APP to send the user to your platform’s mobile app
  • Set the value to WEB to send the user to a web browser

In both cases you need to provide the relevant ReturnURL, whether to your app or website.

BankName
string

Allowed values: One of the supported bank names.

The name of the bank, which is only returned if it was sent.

If the BankName is provided, the user doesn’t have to select their bank when they are redirected.

Culture
string

Allowed values: DA, CS, DE, EN, ET, ES, FI, FR, IT, LT, LV, NL, NO, PL, PT, SV

Default value: EN

The language in which the Tink open banking page is to be displayed.

Scheme
string

Allowed values: One of the supported schemes for the Country.

Default value: The listed instant scheme for the Country. If Country is DK, there is no default and the Scheme must be specified.

The scheme to use to process the payment. Note that some banks may charge additional fees to the user for instant payment schemes.

ProcessingStatus
string

Possible values: PENDING_SUCCEEDED

Parameter that is only returned once the bank wire has been successfully authenticated and initiated by the user but has not yet been received by Mangopay. When the funds are received, the Status changes from CREATED to SUCCEEDED and the ProcessingStatus is no longer returned.

For non-instant schemes, processing can take up to 72 hours but is typically completed within 2 days.