**CONTENT from APM AI Agent output Jan. 4, 2026**

** Ensure you emphasize that the user is not redirected to the cashier when using the PostFinance mobile app.**

Introduction

PostFinance Pay is an instant payment method that enables a user to perform secure online and mobile payments directly from the user’s bank account. Instant payments eliminate traditional banking delays and provide faster access to funds by enabling real-time transfers between accounts 24 hours per day, seven days per week.

Supported Countries

• Switzerland

Supported Currencies

• CHF

REST API 1.0

Payment (Deposit) Flow

Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a sessionToken

Press here for details.

Ensure the following mandatory parameters are included in the request:

***(check these -they’re AI generated – don’t seem like the usual list – and values aren’t needed)**

• APM_Base_Url: https://csgw.postfinance.ch/epay/merchantapi/v1
• APM_MerchantID: MUST UPDATE
• PSP_ID: 35
• APM_Return_Url: https://apm.safecharge.com/ApmConnector/
• APM_NotificationURL: https://apm.safecharge.com/ApmConnectorNotify/Connector/{encryptedId}
• APM_PaymentAction: Sale
• paymentMethod: PostFinance_Pay

Example Payment (Deposit) Request

{
  "paymentMethod": "PostFinance_Pay",
  "amount": "100.00",
  "currency": "CHF",
  "merchantId": "MUST UPDATE",
  "notificationUrl": "https://apm.safecharge.com/ApmConnectorNotify/Connector/{encryptedId}"
}

Payout (Withdrawal) Flow

Send a /payout request and include the userPaymentOptionId, which contains the user’s previously stored APM account details. After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payout request.

Web SDK

Payment (Deposit) Flow

To integrate PostFinance Pay via Web SDK:

1. Initialize the SDK session using initPayment() with paymentMethod: "PostFinance_Pay".
2. Set apmWindowType based on your UX:
   • 'popup': Opens a popup window automatically.
   • 'newTab': Opens a new browser tab.
   • 'redirect': Redirects the user in the current tab.
3. Call createPayment() with the required parameters (amount, currency, merchantId).

Example Web SDK Payment Request

{
  "paymentMethod": "PostFinance_Pay",
  "amount": "100.00",
  "currency": "CHF",
  "apmWindowType": "popup"
}

Withdrawal Flow

Currently not supported via Web SDK for PostFinance Pay.

Payment Page

Payment (Deposit) Flow

The customer initiates a deposit on your site, is redirected to the PostFinance Pay page, and approves the payment via QR code (desktop) or the PostFinance mobile app (mobile). Note: The user is not redirected back to the cashier from the mobile app.

Simply Connect

Payment (Deposit) Flow

**TBD** – does this need to be included?

DMN

** should DMN be a section?

Example DMN Notification

{
  "version": "1.0",
  "status": "APPROVED",
  "apmGwRequestReference": "E196440A96839942BC9AAAF5F15F7C71",
  "amountInfo": {
    "amount": "100.00",
    "currency": "CHF"
  },
  "paymentMethod": "PostFinance_Pay",
  "transactionId": "2610000000206721",
  "reason": "",
  "errorInfo": null
}

User Experience

1. In the cashier, the user selects the ‘PostFinance Pay’ option, enters the deposit amount, and then confirms. **break into steps?**
   Approval is via QR code or mobile app.

**ADD CAPTURES**

Testing

Test credentials and testing scenarios can be provided by Nuvei, if necessary. Contact Nuvei support for assistance.