BANCOMAT Pay is a digital payment service offered in Italy. It allows consumers to make electronic payments and send money using their smartphone, typically linked to their current account or debit card. Learn more about BANCOMAT Pay.

Payment method properties


Markets (consumer)	`IT`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Authentication methods	`REDIRECT` `APP_NOTIFICATION`
Authentication timeout	5 minutes
Minimum payment amount	0.01 EUR
Maximum payment amount	Varies by bank
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	12 months
Disputes	Yes
Settlement risk	No

Make a BANCOMAT Pay payment

BANCOMAT Pay payments follow our standardized REDIRECT payment flow. We recommend including all relevant settings for any authentication methods you support.

To create an BANCOMAT Pay payment, you'll need to provide the following data at minimum when calling our payment charges endpoint:

Field	Description
`paymentMethod`	`BANCOMATPAY`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`EUR`
`consumer.country`	The country of residence of the consumer.
authenticationSettings: REDIRECT `settings.returnUrl`	Specify the URL to which the consumer should be redirected after completing the payment. This is required for the `REDIRECT` payment flow.

Request

POST /v1/payment-charges

{
  "paymentMethod": "BANCOMATPAY",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "country": "IT"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
  "id": "charge_Y3JVzvEaJpvG53xd2R2Zt",
  "paymentMethod": "BANCOMATPAY",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
  "currency": "EUR",
  "country": "IT",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "country": "IT"
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
      },
      {
      "type": "APP_NOTIFICATION"
      }
    ],
  "authorizations": [
    {
      "id": "authz_aPobet0FNZNU1bYqfexFd",
      "amount": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-06-21T08:34:20.766Z",
      "updatedAt": "2025-06-21T08:34:20.766Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "discards": [],
  "voids": [],
  "createdAt": "2025-06-21T08:34:20.114Z",
  "updatedAt": "2025-06-21T08:34:20.766Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/refunds"
    },
    "discards": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/discards"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

APP_NOTIFICATION

Ask your consumer for the required identifier needed to initiate the push notification, often a phone or bank account number.
For BANCOMAT Pay, provide the consumers phone number.
Issue the following request to POST /v1/payment-charges/{paymentChargeId}/authorizations

Request

{
  "authenticationResult": {
    "type": "APP_NOTIFICATION",
    "details": {
      "instrumentProviderIdentity": "+391122334455"
    }
  }
}

Response

{
  "id": "authz_CIJd8AYEFEp8aKibMaL4y",
  "amount": 1000,
  "status": "AUTHENTICATION_PENDING",
  "createdAt": "2025-08-22T12:08:41.197Z",
  "updatedAt": "2025-08-22T12:08:49.349Z",
  "_links": {
    "payment_charge": {
      "href": "/v1/payment-charges/charge_GUXUg5HSPU7SgjWCE1Fv5"
    }
  }
}

The consumer will receive a push notification to complete the payment process.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

APP_NOTIFICATION

The payment charge will remain in the AUTHENTICATION_PENDING state until the consumer confirms the payment.
Webhooks are sent to inform you of the payment outcome.
Alternatively, check the payment status by making a GET /v1/payment-charges/{paymentChargeId}. Use the Status that you received to display the payment outcome to the consumer.

Payment instrument

A BANK_ACCOUNT instrument will be created for BANCOMAT Pay, with no additional data provided.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_Asu0ig2PXXZSiNrhY44A5",
    "type": "BANK_ACCOUNT"
}

Payment method properties

Make a BANCOMAT Pay payment

Request

Response

Pick the desired authentication method

Request

Response

Handling the payment result

Payment instrument

Request

Response

Sandbox testing