The Instant Bank Transfer Transaction API

There are two types of transaction: direct and interactive.

  • Interactive transactions: Interactive transactions are initiated from the Consumer’s web browser and may require the Consumer to enter their banking information.
  • Direct transactions: Direct transactions are server to server requests and don’t require the Consumer to interact with their web browser.

In response to payin requests and returned transactions, Merchant systems receive transaction notifications. These notifications include the transaction status, Merchant fees, and any applicable errors.