Attributes

• METHOD TYPEBank Transfer
• PAYMENTS
• PAYOUTS
• REFUNDS
• RECURRING

Introduction

BANCOMAT Pay allows its users to transfer money, buy goods and services both online and at the stores offline and to make payments towards the Public Administration through the PagoPA platform within Italy.

BANCOMAT Pay User Registration

For customer account registration and setup, visit the official BANCOMAT Pay website.

Supported Countries

• Italy

Supported Currencies

• EUR

Payment (Deposit) Flow

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{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "userTokenId": "<unique customer identifier in merchant system>",
  "paymentOption": {
    "alternativePaymentMethod": {
      "paymentMethod": "apmgw_BancomatPay",
      "bancomatPay_mobileNumber": "<mobileNumber>"
    }
  },
  "currency": "EUR",
  "amount": "100",
  "deviceDetails": {"ipAddress": "<customer's IP address>"},
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "email": "[email protected]",
    "country": "IT"
  },
  "userDetails": {
    "firstName": "John",
    "lastName": "Smith",
    "email": "[email protected]",
    "country": "IT",
   },
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>"
}

{
  "orderId": "39143501",
  "userTokenId": "<unique customer identifier in merchant system>",
  "paymentOption": {
    "redirectUrl": "https://r2.girogate.de/bancomatpay/S1468/I?tx=1268439229&rs=vxLXNpmHJXJUTGOXUP34zFGxCv8hW4iU&cs=ec22b1d332808982aa76ab5fc72cc029ad057bd6c10953d5fba1a874b1c3ef3d",
    "userPaymentOptionId": "2152905171",
    "card": {}
    },
  "transactionStatus": "REDIRECT",
  "sessionToken": "sessionToken from /getSessionToken",
  "internalRequestId": 26441241,
  "status": "SUCCESS",
  "errCode": 0,
  "reason": "",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "version": "1.0"
}

sfc.createPayment({
  sessionToken: "<sessiontoken>",
  paymentOption: {
    alternativePaymentMethod: {
      paymentMethod: "apmgw_BancomatPay",
      phone: document.getElementById("phone").value,
    }
  },
  deviceDetails: {
    ipAddress: "<customer's IP address>"
  },
  billingAddress: {
    firstName: "John",
    lastName: "Smith",
    email: "[email protected]",
    country: "IT"
  },
  userDetails: {
    firstName: "John",
    lastName: "Smith",
    email: "[email protected]",
    country: "IT"
  }
}, function(res) {
  console.log(res);
})

Example Payment DMN with status=APPROVED

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=39143501&userid=tokenmm111224&merchant_unique_id=&customData=&productId=&first_name=Enjjwcnnjy&last_name=Uxorfhkepk&email=sgkuy.tzizt%40eabeq.bq&currency=EUR&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=22+Automation+Str.&address2=&country=Italy&state=&city=Chiprovci&zip=32421&phone1=301-857-2175&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=PPRO-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=111111&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_BancomatPay&ID=&merchant_id=1111111111111111111&responseTimeStamp=2023-05-15.14%3A10%3A43&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=tokenmm111224&userPaymentOptionId=2152905171&TransactionID=2110000000009440539&externalTransactionId=1268439229&APMReferenceID=F6A134D1ADE77EAF98021847369D687A&orderTransactionId=19665811&totalAmount=112.00&dynamicDescriptor=Rank+Descriptor&item_name_1=NA&item_number_1=&item_amount_1=112.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20230515&type=DEPOSIT&clientRequestId=&relatedTransactionId=&apmPayerInfo=FundsState%3ANOT_EXPECTED%3B&sessionId=fbee99069cfa4f48a7d56050cb96&responsechecksum=38907bf051a1c11082422387b18ddd94&advanceResponseChecksum=754bee8e4bb6d7b0455bad36af5b7017',

Example Payment DMN with status=PENDING

...'ppp_status=PENDING&Status=PENDING&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=39333121&userid=tokenbancomat1&merchant_unique_id=&customData=&productId=&first_name=Enjjwcnnjy&last_name=Uxorfhkepk&email=sgkuy.tzizt%40eabeq.bq&currency=EUR&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=22%C2%A0Automation%C2%A0Str.&address2=&country=Italy&state=&city=Chiprovci&zip=32421&phone1=301-857-2175&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=PPRO-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=111111&merchant_status=&action=&requestVersion=&message=PENDING&merchantLocale=&unknownParameters=&payment_method=apmgw_BancomatPay&ID=&merchant_id=1111111111111111111&responseTimeStamp=2023-06-05.10%3A08%3A54&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=tokenbancomat1&userPaymentOptionId=2152924471&TransactionID=2110000000009671339&externalTransactionId=1199909343&APMReferenceID=66C0CA592D6977D2CA64E82DFC4B2274&orderTransactionId=19943891&totalAmount=100.00&dynamicDescriptor=Rank+Descriptor&item_name_1=NA&item_number_1=&item_amount_1=100.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20230605&type=DEPOSIT&clientRequestId=20230605130827&relatedTransactionId=&sessionId=b07875ad21c4a35b186ab67b9455&responsechecksum=cab201cf570350cb0fbf85411fcefdd6&advanceResponseChecksum=4bb4d146692facf1b6c50f531ca21e63',

Example Payment DMN with status=DECLINED

...'ppp_status=FAIL&Status=DECLINED&ExErrCode=0&ErrCode=1003&errApmCode=1003&errApmDescription=Transaction+is+aborted+by+user.&errScCode=1220&errScDescription=End+user+did+not+complete&Reason=End+user+did+not+complete&ReasonCode=1220&PPP_TransactionID=39333121&userid=tokenbancomat1&merchant_unique_id=&customData=&productId=&first_name=Enjjwcnnjy&last_name=Uxorfhkepk&email=sgkuy.tzizt%40eabeq.bq&currency=EUR&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=22%C2%A0Automation%C2%A0Str.&address2=&country=Italy&state=&city=Chiprovci&zip=32421&phone1=301-857-2175&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=PPRO-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=111111&merchant_status=&action=&requestVersion=&message=DECLINED&merchantLocale=&unknownParameters=&payment_method=apmgw_BancomatPay&ID=&merchant_id=1111111111111111111&responseTimeStamp=2023-06-05.10%3A08%3A55&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=tokenbancomat1&userPaymentOptionId=2152924471&TransactionID=2110000000009671339&externalTransactionId=1199909343&APMReferenceID=66C0CA592D6977D2CA64E82DFC4B2274&orderTransactionId=19943891&totalAmount=100.00&dynamicDescriptor=Rank+Descriptor&item_name_1=NA&item_number_1=&item_amount_1=100.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20230605&type=DEPOSIT&clientRequestId=20230605130827&relatedTransactionId=&apmPayerInfo=FundsState%3ANOT_EXPECTED%3B&sessionId=b07875ad21c4a35b186ab67b9455&responsechecksum=3c24cd0941ebb3182dde95480a7592ea&advanceResponseChecksum=5a9fbd5646478ff7071b75ab809544a4',

User Experience

1. The user is redirected to the BANCOMAT Pay website.
2. The user receives a BANCOMAT Pay app notification on their mobile phone.
   
3. The user opens BANCOMAT Pay App on their mobile phone.
   
4. The user views the transaction cost and either confirms or cancels the payment request. The confirmation process can use a fingerprint, PIN or face ID.
   After the payment is successfully completed, a confirmation message appears.