Real Time Bank Transfer

Last changes: 04-12-2019

You can capture the authorized amount in a single API request as depicted in the payment flow below.

1. Send an API Capture Request

The previously authorized transaction is identified by the "uniqueReference". Set at most the same amount as initially authorized under the "modifiedAmount" parameter in the API method 1.29 Capture.

Capture Request

Path:

POST {Base URL}/payment/BNkk4BRkQEufPSvgf9lDwA/capture

Header:

Content-Type: application/json
Accept-Language: en-US
X-Auth-Token: H4sIAAAAAAA{partial omission for brevity}EAN2bJ/6l2XX+A5kJqdP+MwAA

{
  "partnerReference": "DEV-SVR001-DE_CUSTID-KD97TH2FP6_CARTID-PYQRTGMCMQ_Y98CGTK2CJ",
  "modifiedAmount": 3.99,
  "modifiedAmountCurrCode": "EUR",
  "localDate": "2018-10-22",
  "localTime": "172047" 
}

2. Transfer to the Program Account

The payment service processes the payment and transfers the modified amount to Program Account of a Digital Marketplace. This account is also known as the clearing account, as all funds must pass through it as part of the conversion from fiat to electronic money. Accordingly the payment is transferred to the Program Account first.

3. Transfer to the Merchant Account

With the Account Number specified in the first step of the Authorization, the payment is subsequently transferred from the Program Account to the corresponding Merchant Account.

4. Receive an API Capture Response

In the last step, the payment platform sends an API response with the status of the payment to your server.

Capture Response

Status Code:

200 (OK)

Header:

Content-Type: application/json
Accept-Language: en-US

{
    "initiatorAccno": "1679541175",
    "accno": "1679797975",
    "uniqueReference": "BNkk4BRkQEufPSvgf9lDwA",
    "modifiedAmount": 3.99,
    "modifiedAmountCurrCode": "EUR",
    "processedAmount": 3.99,
    "processedCurrCode": "EUR",
    "custom1": "WVWZZZ3BZWE689725",
    "statusCode": "CAPTURED",
    "statusReason": "Request successfully processed in 'Merchant in Integrator Test Mode'",
    "partnerReference": "DEV-SVR001-DE_CUSTID-KD97TH2FP6_CARTID-PYQRTGMCMQ_Y98CGTK2CJ",
    "localDate": "2018-10-22",
    "localTime": "172047",
    "sysDate": "2018-10-22",
    "sysTime": "162048",
    "responseCode": "0000",
    "responseDescription": "Successful execution"
}

In the case of a successful completed Guest Payment the status code should return “CAPTURED” (see example above).

With that, the payment process is completed.