In its commitment to facilitating streamlined open banking payments, Total Processing has joined forces with Token.io, a renowned specialist in open banking technology within Europe. This integration capitalizes on Token.io's established infrastructure, simplifying the overall process and aligning it with conventional payment integration experiences.
The technical aspect of this partnership involves an asynchronous server-to-server REST API flow. A notable advantage of this integration is that it exempts our clients from handling sensitive banking details directly, thereby positioning the procedure outside the purview of PCI compliance requirements.
Before the gateway set up with total processing can be finalised, you will need to provide the below information to our support team.
Logo ( logo must be of good quality with a clear background)
Settlement Bank account details
The only ‘paymentType’ accepted at this current stage is DB(Debit), This allows for an instant transfer of funds from the customers bank account to your merchant bank account.
Note at this time, refunds and payouts are not supported by this solution, If a refund is requested then the funds will need to be returned by another means.
Open Banking are available across the UK and Europe, please advise which regions you wish to process within.
Set as : ACI_INSTANTPAY
Customers origin bank country
ISO Alphanumeric 2 digit code
Amount to pay for the product of service
Set to ‘DB’
Redirect endpoint to send the customer too after they complete their Open banking journey.
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In an asynchronous workflow a redirection takes place to allow the account holder to complete/verify the payment. After this the account holder is redirected back to the shopperResultUrl and the status of the payment can be queried.
Send payment Request
Redirect to the Open banking platform
Get Payment status
Send payment intent to the gateway with the required parameters and any additional parameters that you wish to be passed through the transaction cycle. Redirect Information will be returned in the response.
Redirect the shopper to the url provided, using the a GET request. Customer will be taken through the open banking
Once the customer has completed their their payment, the system will redirect to the shopperResultUrl where you can request the payment status of the transaction
1. Send Payment Request
The first step is to send a server-to-server initial payment request with the paymentBrand and shopperResultUrl. The shopperResultUrl must be url-encoded.
testMode=EXTERNAL : should be passed when hitting the test UAT endpoint ‘https://eu-test.oppwa.com/v1/payments’, this informs the system the to redirect to the external Token Test system.
The next step is to redirect the account holder. To do this you must parse the redirect object, that contains a url and a method, for this connection it will be consistently a GET request and no additional parameters will been to be passed. This behaviour may differ from other payment brands.
"descriptor":"Open Banking Test channel "
"ExtendedDescription":"Request created, operation in progress."