Attributes

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

Introduction

An offline bank transfer does not involve an immediate deposit of funds. Nuvei redirects users to a page with instructions for making the deposit, including a unique reference number, and they can deposit the funds at a later date. In some cases, the user can perform multiple deposits using the same reference number. In others, a different reference number is generated for each individual transaction.

Supported Countries

• Andorra
• Austria
• Belgium
• Bulgaria
• Croatia
• Cyprus
• Czech Republic
• Denmark
• Estonia
• Finland
• France
• Germany
• Greece
• Hungary
• Iceland
• Ireland
• Italy
• Latvia
• Liechtenstein
• Lithuania
• Luxembourg
• Malta
• Monaco
• Netherlands
• Norway
• Poland
• Portugal
• Romania
• San Marino
• Slovakia
• Slovenia
• Spain
• Sweden
• Switzerland
• Vatican City

Supported Currencies

• EUR

Payment (Deposit) Flow

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{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "clientRequestId": "<unique request ID in merchant system>",
  "amount": "10.30",
  "currency": "EUR",
  "userTokenId": "<unique customer identifier in merchant system>",
  "clientUniqueId": "<unique transaction ID in merchant system>",
  "paymentOption": {
    "alternativePaymentMethod": {
      "paymentMethod": "apmgw_BankPayin"
    }
  },
  "deviceDetails": {
    "ipAddress": "<customer's IP address>"
  },
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "email": "[email protected]",
    "country": "DE"
  },
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>"
}

{
  "internalRequestId": 1140482878,
  "status": "SUCCESS",
  "errCode": 0,
  "reason": "",
  "merchantId": "5833787323214383259",
  "merchantSiteId": "218548",
  "version": "1.0",
  "clientRequestId": "20240702153518",
  "sessionToken": "79645460-6f31-47bf-8c00-ef176a5ad2b9",
  "clientUniqueId": "20180327175242",
  "orderId": "464460078",
  "userTokenId": "TestToken02",
  "paymentOption": {
    "redirectUrl": "https://gw-apm-globalpayapi.nuvei.com/Home?PaymentToken=45DA22B4FCDBD61342B3CF13BC13D776.27188088",
    "userPaymentOptionId": "119498518",
    "card": {}
  },
  "transactionStatus": "REDIRECT"
}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payment request.

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=456579488&userid=TestToken01&merchant_unique_id=00000000123&customData=TEST&productId=&first_name=Test&last_name=Test&[email protected]&currency=EUR&clientUniqueId=00000000123&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=TestStreet12&address2=&country=Italy&state=&city=London&zip=00100&phone1=+395955544444&phone2=&phone3=&client_ip=127.0.0.1&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Smart2Pay-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=218548&merchant_status=&action=&requestVersion=&message=PENDING&merchantLocale=&unknownParameters=&payment_method=apmgw_BankPayin&ID=&merchant_id=5833787323214383259&responseTimeStamp=2024-06-12.05:53:36&buyButtonProductId=& appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=TestToken01&userPaymentOptionId=116347468&TransactionID=7110000000000201390&externalTransactionId=27170580&APMReferenceID=F78A13E59BAEDE8F6A86A465451F026A&orderTransactionId=1299872288&totalAmount=30.00&dynamicDescriptor=test&item_name_1=NA&item_number_1=&item_amount_1=30.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20240612&type=DEPOSIT&clientRequestId=e63fcf94-169d-4b7a-9c49-30d838d678f9&relatedTransactionId=&apmPayerInfo={"StatusInfo":"{+StatusCode:+,+info:+,+originalAmount:+30.0000,+ProcessedAmount:+3000,+originalCurrency:+EUR,+ProcessedCurrency:+EUR+}"}&sessionId=b013a2dba9458ef62b67dd38cf8d&responsechecksum=19752a655daf90907ef4138fc160f6ddc5bc7bfcbd938c4481815eec27ece3bd&advanceResponseChecksum=848764f556597c8d41ce593bd9527353a60569daa5557b895c837a90fd816b50',

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=456579488&userid=86&merchant_unique_id=00000000123customData=EUR&productId=&first_name=Test&last_name=Test&[email protected]&currency=EUR&clientUniqueId=00000000123&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=TestStreet12&address2=&country=Italy&state=&city=London&zip=00100&phone1=+395955544444&phone2=&phone3=&client_ip=127.0.0.1&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Smart2Pay-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=218548&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_BankPayin&ID=&merchant_id=5833787323214383259&responseTimeStamp=2024-06-12.13:50:23&buyButtonProductId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=86&userPaymentOptionId=116349668&TransactionID=7110000000000201390&externalTransactionId=27170580&APMReferenceID=F78A13E59BAEDE8F6A86A465451F026A&orderTransactionId=1299872288&totalAmount=30.00&dynamicDescriptor=test&item_name_1=NA&item_number_1=&item_amount_1=30.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20240612&type=DEPOSIT&clientRequestId=e63fcf94-169d-4b7a-9c49-30d838d678f9&relatedTransactionId=&apmPayerInfo={"StatusInfo":"{+StatusCode:+1000,+info:+.,+originalAmount:+30.0000,+ProcessedAmount:+30,+originalCurrency:+EUR,+ProcessedCurrency:+EUR+}","AdditionalTransactionBankId":"RQCKLH9MVG"}&sessionId=b013a2dba9458ef62b67dd38cf8d&responsechecksum=a6b2f8778f171065a18e643c8e08c9ec9dc39f66479d0c8171db23781abe93d4&advanceResponseChecksum=6c390b5350f176c1453df33ba888bff34dee44336d5e01d28ad9add928cef90f=&apmPayerInfo={"StatusInfo":"{+StatusCode:+,+info:+,+originalAmount:+30.0000,+ProcessedAmount:+3000,+originalCurrency:+EUR,+ProcessedCurrency:+EUR+}"}&sessionId=b013a2dba9458ef62b67dd38cf8d&responsechecksum=19752a655daf90907ef4138fc160f6ddc5bc7bfcbd938c4481815eec27ece3bd&advanceResponseChecksum=848764f556597c8d41ce593bd9527353a60569daa5557b895c837a90fd816b50',

User Experience

1. The user is redirected to a page with instructions for making the deposit, including a unique Reference Number.
   The screenshot is from a sandbox test environment. In production, the page can look different.
2. The user follows the instructions to transfer funds at a later date..

Testing

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