Bancomat Pay

PRESENTATION

ESSENTIAL INFORMATION

POPULARITY AND AVAILABILITY

Bancomat Pay is a widely used mobile payment solution in Italy, heavily adopted for its speed, security, and direct integration with major Italian banks. It effectively meets the needs of online, mobile, and in-store transactions.

PAYMENT PROCESS

The payment is made via an automatic redirection. Once the customer selects Bancomat Pay, they are securely redirected to the Bancomat Pay app or their bank's portal to authenticate and validate the transaction directly on their device.

SECURITY AND COMPATIBILITY

Transactions are authenticated via the app, complying with security standards without storing sensitive data. Compatible across browsers and mobile devices.

CONFIGURATION AND COMPLIANCE

Ensure HiPay account is correctly configured. Only EUR transactions are supported. Use Redirect Pages Requirements.

USE CASES

Ideal for instant and secure payments, Bancomat Pay is perfectly suited for merchant sites targeting an Italian customer base. The direct/redirect solution is especially useful for providing a frictionless checkout and boosting conversion rates, particularly on mobile devices.

INTEGRATION

INTEGRATION METHODS

DIRECT VS REDIRECT FLOWS

Bancomat Pay supports two distinct authentication paths depending on the parameters sent in your request:

• Direct Flow: Triggered when the phone parameter is provided. The customer receives a push notification on their device.
• Redirect Flow: Triggered when the phone parameter is omitted. The API response will include a forward_url field. You must redirect the customer to this URL to complete the payment

USER EXPERIENCE

⚠️ The customer must have an active Bancomat Pay account and the mobile application installed.

1. Customer selects Bancomat Pay on the merchant site.
2. HiPay prepares the transaction.
3. Direct Flow: Customer receives a push notification directly on their Bancomat Pay app.
   Redirect Flow: Customer is redirected to a Bancomat Pay page to scan a QR code or open the app.
4. Customer authenticates and validates the payment (max duration: 5 min).
5. Bank sends the status to HiPay.
6. HiPay notifies the merchant and confirms transaction to the customer.

ORDER API INTEGRATION

MANDATORY PARAMETERS

SPECIFIC INPUT PARAMETERS (OPTIONAL BUT RECOMMENDED)

SPECIFIC OUTPUT PARAMETERS

ENDPOINTS

NOTE: Ensure that your HiPay account and redirection URLs are correctly configured to guarantee proper integration.

BANCOMAT PAY SAMPLE REQUEST

curl --location 'https://stage-secure-gateway.hipay-tpp.com/rest/v1/order' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization:*****'\
--data-urlencode 'payment_product=bancomatpay' \
--data-urlencode 'orderid=1769530975' \
--data-urlencode 'amount=1.50' \
--data-urlencode 'currency=EUR' \
--data-urlencode 'description=description Bancomat Pay' \
--data-urlencode 'firstname=John' \
--data-urlencode 'lastname=Doe' \
--data-urlencode 'country=IT' \
--data-urlencode 'phone=+393349276423'

Best practices

• Verify that the phone number is in international format
• Set a client-side timeout corresponding to the maximum validation duration (5 min)
• Use server-to-server notifications to track status changes in real time
• Test in the Stage environment before production
• Handle refunds within the allowed 13-month window
• Monitor disputes and respond within 15 calendar days with appropriate supporting documents
• Track chargebacks and account for associated fees
• Ensure the customer has an active Bancomat Pay account and the application installed
• Check error codes and technical messages (general): HiPay Error Messages