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Bank Transfer

PF Integration option

Payment flow

  1. The customer initiates a payment.
  2. The merchant sends a payment request to MerchantPay.
  3. MerchantPay sends a response with the form object containing action parameter with a link to the payment page.
  4. The merchant redirects the customer to the URL specified in the form.action field from MerchantPay response.
  5. The customer makes a payment.
  6. Once the payment is completed, the customer is redirected to the page specified in return_url in the payment request.
  7. MerchantPay sends a webhook notification with the payment status to the merchant. The merchant may also request the payment status from MerchantPay with the status query.
  8. The merchant displays the payment status to the customer.

Payment

Request

Info

This integration option only supports INR currency.

Send a payment request with the following additional parameters:
object
return_url
required

 string
A URL to return the customer to when a transaction is completed.
object
A section of the payment method.
type
required

 string
bank_transfer
object
A section of information about the customer.
first_name
required
 string
The customer's first name.
last_name
required
 string
The customer's last name.
city
required
 string (100)
The customer's billing city.
state
required
 string (2)
The customer's billing state. Set as the 2 last symbols of the code in the ISO 3166-2 format.
zip
required
 string (6)
The post code of the customer's billing address.
address
required
 string
The customer's address.
country
required
 string (2)
The customer's billing country in the ISO 3166-1 Alpha-2 format. For example, IN.
phone
required
 string (10—14)
The customer's mobile or landline phone number. Examples: 1234567891 or +91-1234567891.
email
required
 string
The customer's email address.
Request example 
{
  "request": {
    "amount": 20000,
    "currency": "INR",
    "description": "description",        
    "return_url": "return_url",
    "test": true,
    "customer": {
      "first_name": "John",
      "last_name": "Doe",
      "city": "Bangalore",
      "state": "KA",
      "zip": "560002",
      "phone": "1234567891",
      "country": "IN",
      "email": "john@example.com",
      "address": "10 Sampige Road"
    },
    "method": {
      "type": "bank_transfer"
    }
  }
}
Response

The response section will have parameters copied from the request. Additionally, you'll get the form object with a URL to the payment page. Redirect the customer to the URL specified in form.action.

Response example 
{
  "transaction": {
    "uid": "c4af9ca3-daf3-40cf-a19d-22c501e530d7",
    "type": "payment",
    "status": "pending",
    "amount": 20000,
    "currency": "INR",
    "description": "description",
    "created_at": "2024-02-07T10:04:00Z",
    "updated_at": "2024-02-07T10:04:01Z",
    "method_type": "bank_transfer",
    "receipt_url": "https://backoffice.universepay.eu/customer/transactions/c4af9ca3-daf3-40cf-a19d-22c501e530d7/9e63423487284dc87e9104489a86174c07ba08ad4f014fdc10f66d1f85d1a27b",
    "payment": {
      "status": "pending",
      "gateway_id": 3698,
      "ref_id": "1548e1ca-0d7c-4552-8139-728a04ccd6f5",
      "message": "Transaction was initialized"
    },
    "bank_transfer": {
      "type": "bank_transfer"
    },
    "customer": {
      "first_name": "John",
      "last_name": "Doe",
      "email": "john@example.com",
      "country": "IN",
      "city": "Bangalore",
      "zip": "560002",
      "address": "10 Sampige Road",
      "phone": "91123456789",
      "state": "KA",
      "ip": null
    },
    "manually_corrected_at": null,
    "message": "Transaction was initialized",
    "test": true,
    "billing_address": {
      "first_name": "John",
      "last_name": "Doe",
      "email": "john@example.com",
      "country": "IN",
      "city": "Bangalore",
      "zip": "560002",
      "address": "10 Sampige Road",
      "phone": "91123456789",
      "state": "KA"
    },
    "additional_data": {
      "payment_method": {
        "type": "alternative"
      }
    },
    "gateway": {
      "iframe": false
    },
    "form": {
      "action": "redirect-url",
      "method": "GET",
      "fields": []
    }
  }
}