This payment method is currently on a supervised rollout phase. Please contact your Technical Account Manager if you are interested by Bancomat Pay.
Bancomat Pay is a leading payment solution in Italy, offering secure redirection payments via the Bancomat Pay app. Users require an active account and the mobile application for transaction authentication.
PRESENTATION
| Brand | Bancomat Pay |
|---|---|
| Payment Flow | Push notification in Bancomat app |
| Integration | Hosted Payments / Hosted Page / Order API |
| Product Code | bancomatpay |
| Country | Italy 🇮🇹 |
| Currency | EUR |
| Minimum amount | 0.01 |
| Maximum amount | Defined by the customer’s bank |
| 3DS | No |
| Authentication | Via push notification in BPay app |
| Refund / Dispute / Chargeback |
|
ESSENTIAL INFORMATION
USER EXPERIENCE
⚠️ The customer must have an active Bancomat Pay account and the mobile application installed. Steps:
- Customer selects Bancomat Pay on the merchant site.
- HiPay prepares the transaction.
- Customer receives a push notification via the Bancomat Pay app.
- Customer authenticates and validates the payment (max duration: 5 min).
- Bank sends the status to HiPay.
- HiPay notifies the merchant and confirms transaction to the customer.
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.
INTEGRATION
ENDPOINTS
| Environment | URL |
|---|---|
| Stage | https://stage-secure-gateway.hipay-tpp.com/rest/v1/order |
| Production | https://secure-gateway.hipay-tpp.com/rest/v1/order |
MANDATORY PARAMETERS
| Parameter | Description / Example |
|---|---|
payment_product | bancomatpay |
transaction_id | 1234567890 |
amount | 10.00 |
currency | EUR |
firstname | Mario |
lastname | Rossi |
phone | +393331234567 |
country | IT |
accept_url | https://merchant-website.com/accept |
EXAMPLE cURL REQUEST
curl --location 'https://stage-secure-gateway.hipay-tpp.com/rest/v1/order' \
--header 'Content-Type: application/json' \
--header 'Authorization: ******' \
--data-raw '{
"operation": {
"amount": "10.00",
"currency": "EUR",
"transaction_id": "1234567890"
},
"payment_mean": {
"payment_product": "bancomatpay",
"country": "IT",
"language": "it_IT",
"accept_url": "https://merchant-website.com/accept",
"customer_info": {
"firstname": "Mario",
"lastname": "Rossi",
"email": "[email protected]",
"phone": "+393331234567",
"street": "Via Roma 10",
"zipcode": "00100",
"city": "Roma",
"state": "Lazio",
"country": "IT"
}
}
}
EXAMPLE RESPONSE
{
"acquirer_response_code": 200,
"description_short": "Success",
"provider_transaction_id": "1234567890",
"acquirer_transaction_id": "1234567890",
"redirection_url": "https://sandbox-redirect.example.com/?redirection_token=**********",
"code": 100,
"status": 201000,
"authentication_data": {
"redirectSecret": "**********"
}
}
TRANSACTION STATUSES
| Status | Description |
|---|---|
| pending | Transaction in progress, customer redirected |
| accepted | Payment confirmed by the bank |
| refused | Transaction refused by the bank |
| cancelled | Customer cancelled the transaction |
| error | Technical error |
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